Steven Quach, Mortgage Loan Officer

We Specialize in Residential Home Loans
From buying your first house to tapping into your home's value for extra cash, we make home financing simple. Whether you’re self-employed, looking for a low down payment, or need flexible credit options, we offer everything from traditional mortgages and refinances to HELOCs and home equity loans tailored to your unique financial story.

The Easy Way to Get a Loan

1. Check Live Rates: See today’s competitive rates instantly.

2. Apply Online: Start your application from anywhere, at any time.

3. Get Pre-Approved: Receive a verified letter so you can shop with confidence.

4. Expert Support: We handle the underwriting and appraisal details for you.

5. Close the Deal: Sign your papers and move in with total peace of mind.
   

Ready to Buy or Refinance? Documents You'll Need To Gather

• Identification

  • Driver’s license

  • Social Security Number (submitted securely online or at appointment)

• Proof of Income

  • W-2 employees

    • Last 2 years W-2s

    • Most recent 30 days paystubs

    • Receive bonuses?: include last 2 years end-of-year paystubs

  • Self-employed / 1099 / business owners

    • Last 2 years personal tax returns (all pages)

    • Last 2 years business tax returns (if applicable)

  • Retired

    • Most recent pension/annuity award letter

    • Most recent Social Security award letter

• Financial Assets

  • Last 2 months bank statements showing primary reserves

  • Most recent mortgage statements for any existing properties

  • Property insurance declaration page for any existing properties

• Additional Items

  • Existing mortgage or HELOC statements (if applicable)

  • LLC entity documents (if applicable)

• Standard Cost Estimates When Calculating Monthly PITI Payments (Principal, Interest, Property Tax, and Insurance)

  • Property tax: assume ~1.25%/year

  • Hazard insurance: assume ~0.35%/year