Broker Near Me

Raj Bhandari

NMLS 1822802
37600 Central Ct 264, NEWARK CA 94560

Get to know me

What sets me apart as a mortgage loan officer is my strong financial and credit expertise combined with a client-first approach. I look beyond approval to understand each client’s full financial picture, ensuring the loan structure supports both short-term affordability and long-term stability. My goal is to provide clear guidance and a smooth, stress-free mortgage experience tailored to each borrower’s unique needs.

My experience

Licensed in:

California
Texas

Loan Products:

Adjustable-Rate Mortgages (ARM)
Conforming Loans
Conventional Loans
Fannie Mae
FHA
Jumbo Loans
VA

Years of experience:

5

Languages spoken:

English
Hindi
Nepali

Brokerage info

What you can expect from me.

Find answers to my most-asked questions, covering everything from how I'll support you to what you need to start the process.

Clients can expect a clear, organized, and supportive experience, starting with a thorough review of their financial goals to create the right loan strategy. From pre-approval to closing, I provide pr

To start the process, clients typically need a photo ID, recent pay stubs, last two years of W-2s or tax returns, and bank statements showing funds for down payment and closing costs. If you’re self-e

I can provide accurate rate estimates using a soft credit review or no-pull scenario analysis, which allows clients to explore loan options without impacting their credit score. Once you’re comfortabl

I love helping first-time buyers, self-employed professionals, and clients who feel overwhelmed by the mortgage process. I make it easier by breaking everything down in simple terms, creating a clear

I typically connect with clients through referrals, social media, phone and video calls, and online applications. I make the process easy by meeting clients where they’re most comfortable—whether that