Rachel Pham

About me

I am a dedicated and results-driven Mortgage Loan Officer committed to helping clients achieve their homeownership and investment goals with confidence and clarity. I specialize in guiding borrowers through every step of the mortgage process, ensuring they understand their options and feel supported from application to closing.

I have extensive experience working with first-time homebuyers, self-employed and 1099 borrowers, real estate investors, and families with complex financial profiles. My expertise includes Conventional, FHA, VA, Non-QM, DSCR, and Bank Statement loan programs, as well as handling credit challenges, rapid rescore situations, and time-sensitive transactions.

I am known for being detail-oriented, proactive, and highly responsive. I take pride in structuring loans that are realistic, sustainable, and tailored to each client’s unique financial situation. I work closely with borrowers, real estate agents, lenders, and title companies to ensure a smooth and efficient closing experience.

I am bilingual in English and Vietnamese, which allows me to serve a diverse client base and clearly communicate complex loan information in a way that is easy to understand. I believe that education, transparency, and trust are the foundation of every successful mortgage relationship.

Whether you are purchasing your first home, refinancing, or expanding your investment portfolio, I am committed to delivering a professional, stress-free mortgage experience with results you can rely on.