Make Your Dreams

Come true

A simple way to buy a home or refinance!

Get Prequalified today!

OUR SERVICES

Find Loan Products We Offer

01. BUYING A HOME

Whether you’re purchasing your first home, upgrading, or investing in a vacation property, we offer flexible mortgage options tailored to your financial goals. Our team will guide you through every step — from pre-approval to closing — ensuring a smooth and stress-free experience.

  • FHA with 3.5% Down'

  • Self-Employment Loans

  • Veterans Administration

  • Conventional

  • Jumbo Loans

02. REFINANCING

Refinancing can be a smart way to improve your financial situation — whether you want to reduce your monthly payments, shorten your loan term, or access your home’s equity. Let our experts help you find the best solution to fit your goals.

  • Lower Rates

  • Debt Consolidation

  • Cash-out

  • Change Terms

03. Investment Loans

Looking to grow your real estate portfolio? we specialize in both traditional and creative financing options for investors. Whether you’re purchasing a single rental property or expanding your portfolio, we can structure loans that work with your investment strategy.

  • DSCR

  • Conventional

  • Self Employed

  • Private Equity

We are passionate about achieving better results for our clients

What We Do

Help clients navigate the complex world of home financing. Choosing the right mortgage loan officer is essential for a successful homebuying experience. We help you select the right loan type, gather necessary paperwork, and provide expert advice throughout the journey.

CONTACT US

Feel free to contact me

Julie Chan

267-471-4408

NMLS # 965352

OUR SERVICES

Fast & Easy Application Process

STEP 1


Gather Your Financial Paperwork

Before applying for a mortgage, collect essential documents such as pay stubs, tax returns, bank statements, and proof of assets. Having these ready will expedite the process.

STEP 2


Know Basic Mortgage Loan Requirements


Income and Job History: Lenders assess your income stability and cash flow to determine your ability to repay the loan.

Credit Score: A higher credit score improves your chances of approval and access to better interest rates.

Debt-to-Income Ratio (DTI): This ratio compares your monthly debt payments to your gross income.

Property Type: The type of property you’re purchasing also matters.

STEP 3


Choose the Right Mortgage Type


Explore various mortgage options, such as fixed-rate, adjustable-rate, FHA, VA, or conventional loans. Select the one that aligns with your financial goals and circumstances..

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Thank you for choosing us. We are dedicated to helping you achieve your homeownership goals with personalized service and expert guidance. For more information or assistance, feel free to reach out to us anytime!

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1115 Professional Drive STE 9 Williamsburg, VA 23185

267-471-4408

Company NMLS # 2746256

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