Available
There's always a solution. David finds it.
Direct lending up to $10M, Prime Jumbo to Non-QM, with a team that speaks your language
Loan Program
GMCC Universe
No credit score, no income, and no employment verification required. Open to foreign nationals and all legal visa or EAD holders — your down payment can even be 100% gifted from funds outside the U.S. Ideal for buyers with strong assets: roughly 40–50% down for primary, second, or investment homes.
Loan Program
Borrower-Prepared P&L
Qualify with a profit & loss statement you prepare yourself — no tax returns or W-2s needed. Built for self-employed borrowers and business owners, with as little as 10% down, loan amounts up to $4M, and quick pre-approval.
Loan Program
GMCC Buy Without Sell
Move into your next home before selling your current one. Loans from $150K to $3M with 20% down plus 20% equity in your departure home, debt-to-income approved up to 55%, and the option to pair with a 3-2-1 buydown for lower initial payments.
Loan Program
Qualify on Your Assets
Qualify with your property's rental income — even Airbnb or VRBO — instead of a paycheck. No tax returns or employment info required, DSCR flexibility down to no-ratio, and loans from $100K to $4M for purchases and refinances that close in weeks.
Trusted Partners
Trusted by over 100+
Homebuyers.
“David and his team helped us achieve our goals and worked tirelessly to make it happen.”
Adam S.
Bay Area Homebuyer
Senior Loan Originator in San Jose with 10+ years of experience, 1,000+ clients served, and a perfect 5.0 rating from over 100 verified reviews. Clear communication, fast closings, zero stress.
David specializes in conventional, jumbo, non-QM, and reverse mortgages, as well as refinancing,
/02
0.00
0.00
Average rating across all reviews
/04
0+
0+
Clients and families helped purchase or refinance.
Trusted Partners
Trusted by over 100+
Homebuyers.
“David and his team helped us achieve our goals and worked tirelessly to make it happen.”
Adam S.
Bay Area Homebuyer
Senior Loan Originator in San Jose with 10+ years of experience, 1,000+ clients served, and a perfect 5.0 rating from over 100 verified reviews. Clear communication, fast closings, zero stress.
David specializes in conventional, jumbo, non-QM, and reverse mortgages, as well as refinancing,
/02
0.00
0.00
Average rating across all reviews
/04
0+
0+
Clients and families helped purchase or refinance.
Trusted Partners
Trusted by over 100+
Homebuyers.
Senior Loan Originator in San Jose with 10+ years of experience, 1,000+ clients served, and a perfect 5.0 rating from over 100 verified reviews. Clear communication, fast closings, zero stress.
David specializes in conventional, jumbo, non-QM, and reverse mortgages, as well as refinancing,
/02
0.00
0.00
Average rating across all reviews
/04
0+
0+
Clients and families helped purchase or refinance.
“The communication throughout the loan process was outstanding. I was kept informed every step of the way.”
Sunny W.
Homebuyer
Client Stories
A look at some testimonials from our happy clients (new homeowners!)
Client Stories
A look at some testimonials from our happy clients (new homeowners!)
Client Stories
A look at some testimonials from our happy clients (new homeowners!)
Loan Programs
2x
Business Growth
5x
Conversion Rate
David matched us with a program we didn’t know existed. Our tax returns stopped being a roadblock, the terms were clear, and we closed right on schedule.
Sunny W.
Self-Employed Homebuyer
GMCC Universe
No credit score, no income, and no employment verification required. Open to foreign nationals and all legal visa or EAD holders — your down payment can even be 100% gifted from funds outside the U.S. Ideal for buyers with strong assets: roughly 40–50% down for primary, second, or investment homes.
No Credit Score Needed
Foreign National
Asset Based
/002
Borrower-Prepared P&L
/003
GMCC Buy Without Sell
/004
Qualify on Your Assets
Loan Programs
2x
Business Growth
5x
Conversion Rate
David matched us with a program we didn’t know existed. Our tax returns stopped being a roadblock, the terms were clear, and we closed right on schedule.
Sunny W.
Self-Employed Homebuyer
GMCC Universe
No credit score, no income, and no employment verification required. Open to foreign nationals and all legal visa or EAD holders — your down payment can even be 100% gifted from funds outside the U.S. Ideal for buyers with strong assets: roughly 40–50% down for primary, second, or investment homes.
No Credit Score Needed
Foreign National
Asset Based
/002
Borrower-Prepared P&L
/003
GMCC Buy Without Sell
/004
Qualify on Your Assets
Loan Programs
2x
Business Growth
5x
Conversion Rate
David matched us with a program we didn’t know existed. Our tax returns stopped being a roadblock, the terms were clear, and we closed right on schedule.
Sunny W.
Self-Employed Homebuyer
GMCC Universe
/001
Borrower-Prepared P&L
/002
GMCC Buy Without Sell
/003
Qualify on Your Assets
/004
We facilitate the signing process from start to end and save you money by choosing the best offer for your situation
Determine your Max Loan Limit
Utilize our tools to find your most manageable monthly payment
End to End Delivery
We documentation, signing, and provide pre-qualification ensuring seemless loan funding and closing.
Clear Communication
Transparent timelines, realistic budgets, and regular updates at every stage.
Guaranteed Client Satisfaction
GMCC stands out among California lenders with competitive rates, flexible programs, and in-house underwriting that keeps closings on schedule.
Long Term Focus
Mortgage solutions catered to your unique financial situations and goals
We facilitate the signing process from start to end and save you money by choosing the best offer for your situation
Determine your Max Loan Limit
Utilize our tools to find your most manageable monthly payment
End to End Delivery
We documentation, signing, and provide pre-qualification ensuring seemless loan funding and closing.
Clear Communication
Transparent timelines, realistic budgets, and regular updates at every stage.
Guaranteed Client Satisfaction
GMCC stands out among California lenders with competitive rates, flexible programs, and in-house underwriting that keeps closings on schedule.
Long Term Focus
Mortgage solutions catered to your unique financial situations and goals
We facilitate the signing process from start to end and save you money by choosing the best offer for your situation
Determine your Max Loan Limit
Utilize our tools to find your most manageable monthly payment
End to End Delivery
We documentation, signing, and provide pre-qualification ensuring seemless loan funding and closing.
Clear Communication
Transparent timelines, realistic budgets, and regular updates at every stage.
Guaranteed Client Satisfaction
GMCC stands out among California lenders with competitive rates, flexible programs, and in-house underwriting that keeps closings on schedule.
Long Term Focus
Mortgage solutions catered to your unique financial situations and goals
Mortgage Calculator
Estimate your monthly payment — principal, interest, taxes, and extra costs — before you apply.
▾Extra Costs
Clients
105 Reviews on Experience.com
Trusted by over 100+
Homebuyers.
4.99
Average Client Rating
David is extremely knowledgable, helpful and a great communicator. He quickly let us know if anything was missing on our application and worked closely with us until the very end. David answered all our questions and made sure we were all on the same page. We have already recommended David to all our friends and will continue to work with him in the future!
Vivien Y
Houston, TXWe had an outstanding experience working with David throughout our home loan process. From the very beginning, David was incredibly professional, patient, and responsive. He took the time to explain every step of the mortgage process in detail, making sure we fully understood all of our options and felt confident in every decision. Whenever we had questions or encountered any issues, David was always quick to respond and worked diligently to find solutions. His knowledge, attention to detail, and commitment to helping us made what could have been a stressful experience feel smooth and manageable. Thanks to David’s guidance and dedication, our loan was approved successfully and closed on time. We truly appreciate his exceptional service and would highly recommend him to anyone looking for a trustworthy, knowledgeable, and reliable lender. Thank you, David, for making our home-buying journey such a positive experience!
Vina W
Frisco, TXI want to give high praise to my loan officer, David Guo. He is extremely professional, detail-oriented, and highly efficient. His deep understanding of market dynamics and interest rate movements allowed him to accurately anticipate potential rapid rate changes and help me lock in my rate at the right time. He is also incredibly responsive—always quick to reply and proactive throughout the entire process. The entire refinance process moved very fast, taking only about 10 days, and everything was handled with precision and clarity. There were no errors, and all numbers and terms were clearly communicated. This was by far the best experience I’ve had with a loan officer. I would absolutely work with David again for any future refinancing and highly recommend him to others.
Hanyuan C
Bellevue, WADavid is extremely knowledgable, helpful and a great communicator. He quickly let us know if anything was missing on our application and worked closely with us until the very end. David answered all our questions and made sure we were all on the same page. We have already recommended David to all our friends and will continue to work with him in the future!
Vivien Y
Houston, TXWe had an outstanding experience working with David throughout our home loan process. From the very beginning, David was incredibly professional, patient, and responsive. He took the time to explain every step of the mortgage process in detail, making sure we fully understood all of our options and felt confident in every decision. Whenever we had questions or encountered any issues, David was always quick to respond and worked diligently to find solutions. His knowledge, attention to detail, and commitment to helping us made what could have been a stressful experience feel smooth and manageable. Thanks to David’s guidance and dedication, our loan was approved successfully and closed on time. We truly appreciate his exceptional service and would highly recommend him to anyone looking for a trustworthy, knowledgeable, and reliable lender. Thank you, David, for making our home-buying journey such a positive experience!
Vina W
Frisco, TXI want to give high praise to my loan officer, David Guo. He is extremely professional, detail-oriented, and highly efficient. His deep understanding of market dynamics and interest rate movements allowed him to accurately anticipate potential rapid rate changes and help me lock in my rate at the right time. He is also incredibly responsive—always quick to reply and proactive throughout the entire process. The entire refinance process moved very fast, taking only about 10 days, and everything was handled with precision and clarity. There were no errors, and all numbers and terms were clearly communicated. This was by far the best experience I’ve had with a loan officer. I would absolutely work with David again for any future refinancing and highly recommend him to others.
Hanyuan C
Bellevue, WADavid is extremely knowledgable, helpful and a great communicator. He quickly let us know if anything was missing on our application and worked closely with us until the very end. David answered all our questions and made sure we were all on the same page. We have already recommended David to all our friends and will continue to work with him in the future!
Vivien Y
Houston, TXWe had an outstanding experience working with David throughout our home loan process. From the very beginning, David was incredibly professional, patient, and responsive. He took the time to explain every step of the mortgage process in detail, making sure we fully understood all of our options and felt confident in every decision. Whenever we had questions or encountered any issues, David was always quick to respond and worked diligently to find solutions. His knowledge, attention to detail, and commitment to helping us made what could have been a stressful experience feel smooth and manageable. Thanks to David’s guidance and dedication, our loan was approved successfully and closed on time. We truly appreciate his exceptional service and would highly recommend him to anyone looking for a trustworthy, knowledgeable, and reliable lender. Thank you, David, for making our home-buying journey such a positive experience!
Vina W
Frisco, TXI want to give high praise to my loan officer, David Guo. He is extremely professional, detail-oriented, and highly efficient. His deep understanding of market dynamics and interest rate movements allowed him to accurately anticipate potential rapid rate changes and help me lock in my rate at the right time. He is also incredibly responsive—always quick to reply and proactive throughout the entire process. The entire refinance process moved very fast, taking only about 10 days, and everything was handled with precision and clarity. There were no errors, and all numbers and terms were clearly communicated. This was by far the best experience I’ve had with a loan officer. I would absolutely work with David again for any future refinancing and highly recommend him to others.
Hanyuan C
Bellevue, WADavid is extremely knowledgable, helpful and a great communicator. He quickly let us know if anything was missing on our application and worked closely with us until the very end. David answered all our questions and made sure we were all on the same page. We have already recommended David to all our friends and will continue to work with him in the future!
Vivien Y
Houston, TXWe had an outstanding experience working with David throughout our home loan process. From the very beginning, David was incredibly professional, patient, and responsive. He took the time to explain every step of the mortgage process in detail, making sure we fully understood all of our options and felt confident in every decision. Whenever we had questions or encountered any issues, David was always quick to respond and worked diligently to find solutions. His knowledge, attention to detail, and commitment to helping us made what could have been a stressful experience feel smooth and manageable. Thanks to David’s guidance and dedication, our loan was approved successfully and closed on time. We truly appreciate his exceptional service and would highly recommend him to anyone looking for a trustworthy, knowledgeable, and reliable lender. Thank you, David, for making our home-buying journey such a positive experience!
Vina W
Frisco, TXI want to give high praise to my loan officer, David Guo. He is extremely professional, detail-oriented, and highly efficient. His deep understanding of market dynamics and interest rate movements allowed him to accurately anticipate potential rapid rate changes and help me lock in my rate at the right time. He is also incredibly responsive—always quick to reply and proactive throughout the entire process. The entire refinance process moved very fast, taking only about 10 days, and everything was handled with precision and clarity. There were no errors, and all numbers and terms were clearly communicated. This was by far the best experience I’ve had with a loan officer. I would absolutely work with David again for any future refinancing and highly recommend him to others.
Hanyuan C
Bellevue, WA
Clients
105 Reviews on Experience.com
Trusted by over 100+
Homebuyers.
4.99
Average Client Rating
David is extremely knowledgable, helpful and a great communicator. He quickly let us know if anything was missing on our application and worked closely with us until the very end. David answered all our questions and made sure we were all on the same page. We have already recommended David to all our friends and will continue to work with him in the future!
Vivien Y
Houston, TXWe had an outstanding experience working with David throughout our home loan process. From the very beginning, David was incredibly professional, patient, and responsive. He took the time to explain every step of the mortgage process in detail, making sure we fully understood all of our options and felt confident in every decision. Whenever we had questions or encountered any issues, David was always quick to respond and worked diligently to find solutions. His knowledge, attention to detail, and commitment to helping us made what could have been a stressful experience feel smooth and manageable. Thanks to David’s guidance and dedication, our loan was approved successfully and closed on time. We truly appreciate his exceptional service and would highly recommend him to anyone looking for a trustworthy, knowledgeable, and reliable lender. Thank you, David, for making our home-buying journey such a positive experience!
Vina W
Frisco, TXI want to give high praise to my loan officer, David Guo. He is extremely professional, detail-oriented, and highly efficient. His deep understanding of market dynamics and interest rate movements allowed him to accurately anticipate potential rapid rate changes and help me lock in my rate at the right time. He is also incredibly responsive—always quick to reply and proactive throughout the entire process. The entire refinance process moved very fast, taking only about 10 days, and everything was handled with precision and clarity. There were no errors, and all numbers and terms were clearly communicated. This was by far the best experience I’ve had with a loan officer. I would absolutely work with David again for any future refinancing and highly recommend him to others.
Hanyuan C
Bellevue, WADavid is extremely knowledgable, helpful and a great communicator. He quickly let us know if anything was missing on our application and worked closely with us until the very end. David answered all our questions and made sure we were all on the same page. We have already recommended David to all our friends and will continue to work with him in the future!
Vivien Y
Houston, TXWe had an outstanding experience working with David throughout our home loan process. From the very beginning, David was incredibly professional, patient, and responsive. He took the time to explain every step of the mortgage process in detail, making sure we fully understood all of our options and felt confident in every decision. Whenever we had questions or encountered any issues, David was always quick to respond and worked diligently to find solutions. His knowledge, attention to detail, and commitment to helping us made what could have been a stressful experience feel smooth and manageable. Thanks to David’s guidance and dedication, our loan was approved successfully and closed on time. We truly appreciate his exceptional service and would highly recommend him to anyone looking for a trustworthy, knowledgeable, and reliable lender. Thank you, David, for making our home-buying journey such a positive experience!
Vina W
Frisco, TXI want to give high praise to my loan officer, David Guo. He is extremely professional, detail-oriented, and highly efficient. His deep understanding of market dynamics and interest rate movements allowed him to accurately anticipate potential rapid rate changes and help me lock in my rate at the right time. He is also incredibly responsive—always quick to reply and proactive throughout the entire process. The entire refinance process moved very fast, taking only about 10 days, and everything was handled with precision and clarity. There were no errors, and all numbers and terms were clearly communicated. This was by far the best experience I’ve had with a loan officer. I would absolutely work with David again for any future refinancing and highly recommend him to others.
Hanyuan C
Bellevue, WADavid is extremely knowledgable, helpful and a great communicator. He quickly let us know if anything was missing on our application and worked closely with us until the very end. David answered all our questions and made sure we were all on the same page. We have already recommended David to all our friends and will continue to work with him in the future!
Vivien Y
Houston, TXWe had an outstanding experience working with David throughout our home loan process. From the very beginning, David was incredibly professional, patient, and responsive. He took the time to explain every step of the mortgage process in detail, making sure we fully understood all of our options and felt confident in every decision. Whenever we had questions or encountered any issues, David was always quick to respond and worked diligently to find solutions. His knowledge, attention to detail, and commitment to helping us made what could have been a stressful experience feel smooth and manageable. Thanks to David’s guidance and dedication, our loan was approved successfully and closed on time. We truly appreciate his exceptional service and would highly recommend him to anyone looking for a trustworthy, knowledgeable, and reliable lender. Thank you, David, for making our home-buying journey such a positive experience!
Vina W
Frisco, TXI want to give high praise to my loan officer, David Guo. He is extremely professional, detail-oriented, and highly efficient. His deep understanding of market dynamics and interest rate movements allowed him to accurately anticipate potential rapid rate changes and help me lock in my rate at the right time. He is also incredibly responsive—always quick to reply and proactive throughout the entire process. The entire refinance process moved very fast, taking only about 10 days, and everything was handled with precision and clarity. There were no errors, and all numbers and terms were clearly communicated. This was by far the best experience I’ve had with a loan officer. I would absolutely work with David again for any future refinancing and highly recommend him to others.
Hanyuan C
Bellevue, WADavid is extremely knowledgable, helpful and a great communicator. He quickly let us know if anything was missing on our application and worked closely with us until the very end. David answered all our questions and made sure we were all on the same page. We have already recommended David to all our friends and will continue to work with him in the future!
Vivien Y
Houston, TXWe had an outstanding experience working with David throughout our home loan process. From the very beginning, David was incredibly professional, patient, and responsive. He took the time to explain every step of the mortgage process in detail, making sure we fully understood all of our options and felt confident in every decision. Whenever we had questions or encountered any issues, David was always quick to respond and worked diligently to find solutions. His knowledge, attention to detail, and commitment to helping us made what could have been a stressful experience feel smooth and manageable. Thanks to David’s guidance and dedication, our loan was approved successfully and closed on time. We truly appreciate his exceptional service and would highly recommend him to anyone looking for a trustworthy, knowledgeable, and reliable lender. Thank you, David, for making our home-buying journey such a positive experience!
Vina W
Frisco, TXI want to give high praise to my loan officer, David Guo. He is extremely professional, detail-oriented, and highly efficient. His deep understanding of market dynamics and interest rate movements allowed him to accurately anticipate potential rapid rate changes and help me lock in my rate at the right time. He is also incredibly responsive—always quick to reply and proactive throughout the entire process. The entire refinance process moved very fast, taking only about 10 days, and everything was handled with precision and clarity. There were no errors, and all numbers and terms were clearly communicated. This was by far the best experience I’ve had with a loan officer. I would absolutely work with David again for any future refinancing and highly recommend him to others.
Hanyuan C
Bellevue, WA
Clients
105 Reviews on Experience.com
Trusted by over 100+
Homebuyers.
4.99
Average Client Rating
David is extremely knowledgable, helpful and a great communicator. He quickly let us know if anything was missing on our application and worked closely with us until the very end. David answered all our questions and made sure we were all on the same page. We have already recommended David to all our friends and will continue to work with him in the future!
Vivien Y
Houston, TXWe had an outstanding experience working with David throughout our home loan process. From the very beginning, David was incredibly professional, patient, and responsive. He took the time to explain every step of the mortgage process in detail, making sure we fully understood all of our options and felt confident in every decision. Whenever we had questions or encountered any issues, David was always quick to respond and worked diligently to find solutions. His knowledge, attention to detail, and commitment to helping us made what could have been a stressful experience feel smooth and manageable. Thanks to David’s guidance and dedication, our loan was approved successfully and closed on time. We truly appreciate his exceptional service and would highly recommend him to anyone looking for a trustworthy, knowledgeable, and reliable lender. Thank you, David, for making our home-buying journey such a positive experience!
Vina W
Frisco, TXI want to give high praise to my loan officer, David Guo. He is extremely professional, detail-oriented, and highly efficient. His deep understanding of market dynamics and interest rate movements allowed him to accurately anticipate potential rapid rate changes and help me lock in my rate at the right time. He is also incredibly responsive—always quick to reply and proactive throughout the entire process. The entire refinance process moved very fast, taking only about 10 days, and everything was handled with precision and clarity. There were no errors, and all numbers and terms were clearly communicated. This was by far the best experience I’ve had with a loan officer. I would absolutely work with David again for any future refinancing and highly recommend him to others.
Hanyuan C
Bellevue, WADavid is extremely knowledgable, helpful and a great communicator. He quickly let us know if anything was missing on our application and worked closely with us until the very end. David answered all our questions and made sure we were all on the same page. We have already recommended David to all our friends and will continue to work with him in the future!
Vivien Y
Houston, TXWe had an outstanding experience working with David throughout our home loan process. From the very beginning, David was incredibly professional, patient, and responsive. He took the time to explain every step of the mortgage process in detail, making sure we fully understood all of our options and felt confident in every decision. Whenever we had questions or encountered any issues, David was always quick to respond and worked diligently to find solutions. His knowledge, attention to detail, and commitment to helping us made what could have been a stressful experience feel smooth and manageable. Thanks to David’s guidance and dedication, our loan was approved successfully and closed on time. We truly appreciate his exceptional service and would highly recommend him to anyone looking for a trustworthy, knowledgeable, and reliable lender. Thank you, David, for making our home-buying journey such a positive experience!
Vina W
Frisco, TXI want to give high praise to my loan officer, David Guo. He is extremely professional, detail-oriented, and highly efficient. His deep understanding of market dynamics and interest rate movements allowed him to accurately anticipate potential rapid rate changes and help me lock in my rate at the right time. He is also incredibly responsive—always quick to reply and proactive throughout the entire process. The entire refinance process moved very fast, taking only about 10 days, and everything was handled with precision and clarity. There were no errors, and all numbers and terms were clearly communicated. This was by far the best experience I’ve had with a loan officer. I would absolutely work with David again for any future refinancing and highly recommend him to others.
Hanyuan C
Bellevue, WADavid is extremely knowledgable, helpful and a great communicator. He quickly let us know if anything was missing on our application and worked closely with us until the very end. David answered all our questions and made sure we were all on the same page. We have already recommended David to all our friends and will continue to work with him in the future!
Vivien Y
Houston, TXWe had an outstanding experience working with David throughout our home loan process. From the very beginning, David was incredibly professional, patient, and responsive. He took the time to explain every step of the mortgage process in detail, making sure we fully understood all of our options and felt confident in every decision. Whenever we had questions or encountered any issues, David was always quick to respond and worked diligently to find solutions. His knowledge, attention to detail, and commitment to helping us made what could have been a stressful experience feel smooth and manageable. Thanks to David’s guidance and dedication, our loan was approved successfully and closed on time. We truly appreciate his exceptional service and would highly recommend him to anyone looking for a trustworthy, knowledgeable, and reliable lender. Thank you, David, for making our home-buying journey such a positive experience!
Vina W
Frisco, TXI want to give high praise to my loan officer, David Guo. He is extremely professional, detail-oriented, and highly efficient. His deep understanding of market dynamics and interest rate movements allowed him to accurately anticipate potential rapid rate changes and help me lock in my rate at the right time. He is also incredibly responsive—always quick to reply and proactive throughout the entire process. The entire refinance process moved very fast, taking only about 10 days, and everything was handled with precision and clarity. There were no errors, and all numbers and terms were clearly communicated. This was by far the best experience I’ve had with a loan officer. I would absolutely work with David again for any future refinancing and highly recommend him to others.
Hanyuan C
Bellevue, WADavid is extremely knowledgable, helpful and a great communicator. He quickly let us know if anything was missing on our application and worked closely with us until the very end. David answered all our questions and made sure we were all on the same page. We have already recommended David to all our friends and will continue to work with him in the future!
Vivien Y
Houston, TXWe had an outstanding experience working with David throughout our home loan process. From the very beginning, David was incredibly professional, patient, and responsive. He took the time to explain every step of the mortgage process in detail, making sure we fully understood all of our options and felt confident in every decision. Whenever we had questions or encountered any issues, David was always quick to respond and worked diligently to find solutions. His knowledge, attention to detail, and commitment to helping us made what could have been a stressful experience feel smooth and manageable. Thanks to David’s guidance and dedication, our loan was approved successfully and closed on time. We truly appreciate his exceptional service and would highly recommend him to anyone looking for a trustworthy, knowledgeable, and reliable lender. Thank you, David, for making our home-buying journey such a positive experience!
Vina W
Frisco, TXI want to give high praise to my loan officer, David Guo. He is extremely professional, detail-oriented, and highly efficient. His deep understanding of market dynamics and interest rate movements allowed him to accurately anticipate potential rapid rate changes and help me lock in my rate at the right time. He is also incredibly responsive—always quick to reply and proactive throughout the entire process. The entire refinance process moved very fast, taking only about 10 days, and everything was handled with precision and clarity. There were no errors, and all numbers and terms were clearly communicated. This was by far the best experience I’ve had with a loan officer. I would absolutely work with David again for any future refinancing and highly recommend him to others.
Hanyuan C
Bellevue, WA
The right loan for your situation flexible loans built around your profile and goals
Conventional Loans
The standard path to homeownership, with competitive rates and flexible terms for buyers with established income and credit history.
FHA · VA · USDA
Lower down payments and more forgiving credit requirements through federally backed programs for first-time buyers, veterans, and rural properties.
Asset-Based
Fast, asset-based financing for time-sensitive purchases, fix-and-flips, and opportunities where conventional timelines won't work.
The right loan for your situation flexible loans built around your profile and goals
Conventional Loans
The standard path to homeownership, with competitive rates and flexible terms for buyers with established income and credit history.
FHA · VA · USDA
Lower down payments and more forgiving credit requirements through federally backed programs for first-time buyers, veterans, and rural properties.
Asset-Based
Fast, asset-based financing for time-sensitive purchases, fix-and-flips, and opportunities where conventional timelines won't work.
The right loan for your situation flexible loans built around your profile and goals
Conventional Loans
The standard path to homeownership, with competitive rates and flexible terms for buyers with established income and credit history.
FHA · VA · USDA
Lower down payments and more forgiving credit requirements through federally backed programs for first-time buyers, veterans, and rural properties.
Asset-Based
Fast, asset-based financing for time-sensitive purchases, fix-and-flips, and opportunities where conventional timelines won't work.
Frequently Asked Questions
Questions? We have answers. Here’s what you need to know about working with us.
Need to ask something else?
Hi, I’m David,
Senior Loan Originator · NMLS #1245304
Reach out anytime.
What types of loans do you offer?
Conventional, Non-QM, government-backed and asset-based financing, alongside GMCC specialty programs like Universe and Buy Without Sell.
Do you have loans offered for foreigners?
How involved will I be in the process?
Do you help with inspections and post-closing?
How long does it typically take to finalize a loan?
Frequently Asked Questions
Questions? We have answers. Here’s what you need to know about working with us.
Need to ask something else?
Hi, I’m David,
Senior Loan Originator · NMLS #1245304
Reach out anytime.
What types of loans do you offer?
Conventional, Non-QM, government-backed and asset-based financing, alongside GMCC specialty programs like Universe and Buy Without Sell.
Do you have loans offered for foreigners?
How involved will I be in the process?
Do you help with inspections and post-closing?
How long does it typically take to finalize a loan?
Frequently Asked Questions
Questions? We have answers. Here’s what you need to know about working with us.
Need to ask something else?
Hi, I’m David,
Senior Loan Originator · NMLS #1245304
Reach out anytime.
What types of loans do you offer?
Conventional, Non-QM, government-backed and asset-based financing, alongside GMCC specialty programs like Universe and Buy Without Sell.
Do you have loans offered for foreigners?
How involved will I be in the process?
Do you help with inspections and post-closing?
How long does it typically take to finalize a loan?
Got a Project? Let’s Talk
We'll get back to you ASAP.
Business Inquiry
Got a Project? Let’s Talk
We'll get back to you ASAP.
Business Inquiry
Got a Project? Let’s Talk
We'll get back to you ASAP.
Business Inquiry
Let us help you get your home today.
Not sure? Consultation available
Clear response within 24 hours.
Hi, I’m David,
Senior Loan Originator · NMLS #1245304
Reach out anytime.
Looking to buy?
Let’s get started
We'll schedule a call to discuss your options. Following these sessions, we'll make sure you get the perfect loan for your situation.
Let us help you get your home today.
Not sure? Consultation available
Clear response within 24 hours.
Hi, I’m David,
Senior Loan Originator · NMLS #1245304
Reach out anytime.
Looking to buy?
Let’s get started
We'll schedule a call to discuss your options. Following these sessions, we'll make sure you get the perfect loan for your situation.
Let us help you get your home today.
Not sure? Consultation available
Clear response within 24 hours.
Hi, I’m David,
Senior Loan Originator · NMLS #1245304
Reach out anytime.
Looking to buy?
Let’s get started
We'll schedule a call to discuss your options. Following these sessions, we'll make sure you get the perfect loan for your situation.