The questions I get most
Don't see yours? Just ask.
Does exploring my options affect my credit score?
No. When you explore options, I don't pull your credit. Credit is only checked when you formally apply for a loan.
How much down payment do I need?
Less than you think. Many programs need 3–3.5%, VA loans can be 0%, and down payment assistance exists.
I work in nails / a restaurant / get paid cash — can I qualify?
Yes. Bank statement loans qualify your income on 12–24 months of deposits instead of tax returns.
What if my credit score is low?
Some loans accept mid-range scores. If you're not there yet, I'll map out a concrete plan to improve it in a few months.
I want to buy an Airbnb rental — what loan do I need?
Usually a DSCR loan, which qualifies on the property's rental cash flow rather than your personal income.
Are the loan documents in Vietnamese?
I explain everything in Vietnamese, but by regulation the official loan file is in English. I walk you through every page.
Which states can you lend in?
California, Illinois, Kentucky, Maryland, Michigan, New Hampshire, Ohio, Texas, Washington.
What does a consultation cost?
The initial consultation and file review are free.
Ready to get started?
It takes a few minutes. No credit check to explore your options, and you get straight answers — in English or Vietnamese.
Exploring your options does NOT affect your credit score.