My name is Tam, and I am a dedicated loan officer passionate about helping clients navigate the complexities of the mortgage and commercial loan landscape. With years of experience in the industry, I have honed my skills in offering a wide range of financial solutions tailored to each client's unique needs.
Traditional Home Mortgages:
VA Loans: Tailored for veterans, active-duty service members, and their families, VA loans offer competitive interest rates, no down payment options, and flexible qualification requirements. I am committed to helping our heroes achieve homeownership with ease.
USDA Loans: Ideal for those looking to purchase homes in eligible rural areas, USDA loans provide low to no down payment options and affordable interest rates. I can guide you through the eligibility requirements and application process to make rural living a reality.
FHA Loans: Perfect for first-time homebuyers or those with less-than-perfect credit, FHA loans offer lower down payment requirements and more lenient credit standards. I will assist you in understanding the benefits and requirements of FHA loans to help you achieve homeownership.
Reverse Mortgages: Designed for homeowners aged 62 and older, reverse mortgages allow you to convert part of the equity in your home into cash. I will help you explore how a reverse mortgage can supplement your retirement income while you continue to live in your home.
Conventional Loans: Offering competitive interest rates and flexible terms, conventional loans are a popular choice for many homebuyers. Whether you are buying your first home or refinancing an existing mortgage, I can help you find the right conventional loan to meet your needs.
ITIN Loans: These loans cater to individuals with an Individual Taxpayer Identification Number (ITIN) who may not have a Social Security Number. ITIN loans provide opportunities for non-U.S. citizens to invest in real estate.
Non-Traditional Home Mortgages:
Bank Statement Loans: Ideal for self-employed individuals, these loans allow you to qualify based on your bank statement deposits rather than traditional income documentation. This option can provide a clearer picture of your financial health and increase your chances of loan approval.
1099 Loans: Perfect for independent contractors and freelancers, 1099 loans consider your 1099 income forms instead of W-2s and pay stubs. This flexibility helps those with nontraditional employment secure the financing they need for homeownership.
Profit and Loss Statement Loans: Designed for business owners, these loans allow you to qualify based on your company's profit and loss statements. This option is particularly useful for those whose tax returns may not fully reflect their incomes
Investor Loan Programs:
Fix and Flip Loans: Designed for investors who purchase properties to renovate and sell quickly, fix and flip loans provide the necessary funding to acquire and improve properties, maximizing your profit potential.
Ground-up Construction Loans: These loans are ideal for investors looking to build new properties from the ground up. Whether you're constructing residential or commercial buildings, I can provide the financing needed to bring your project to life.
Bridge Loans: Perfect for those needing short-term financing, bridge loans help investors quickly secure funding for property purchases or renovations while waiting for long-term financing or property sales to be finalized.
ITIN Loans: These loans cater to individuals with an Individual Taxpayer Identification Number (ITIN) who may not have a Social Security Number. ITIN loans provide opportunities for non-U.S. citizens to invest in real estate.
Foreign National Loans: Designed for international investors, these loans offer financing options for non-U.S. citizens looking to purchase properties in the United States, making it easier to invest in the lucrative American real estate market.
DSCR Loans: Debt Service Coverage Ratio (DSCR) loans are tailored for investors who want to qualify based on the cash flow of the property rather than their personal income. This option is ideal for rental property investors who want to leverage the income-generating potential of their investments.
Commercial Loan Programs:
Acquisition Loans: Whether you're purchasing an existing business or commercial property, acquisition loans provide the necessary funding to secure your investment. I will work with you to structure a loan that aligns with your financial goals and ensures a smooth transaction.
Refinance Loans: Refinancing your commercial loan can help you achieve better terms, lower interest rates, or access equity for other business needs. I can help you evaluate your current loan and explore refinancing options that can improve your cash flow and overall financial position.
Construction Loans: If you're planning a new construction project, construction loans offer the flexibility and funding needed to bring your vision to life. From initial site acquisition to the final build-out, I can provide financing solutions that support every phase of your project.
Equipment Financing: For businesses needing to purchase or lease equipment, equipment financing loans offer flexible terms and competitive rates. This financing solution helps you acquire the necessary tools and machinery to grow and operate your business efficiently.
Working Capital Loans: Maintaining adequate working capital is crucial for business operations. Working capital loans provide the funds needed to cover day-to-day expenses, manage cash flow, and support business growth during periods of expansion or unexpected challenges.
Real Estate Loans: Commercial real estate loans cater to businesses looking to purchase, refinance, or expand their real estate holdings. Whether it's office space, retail locations, or industrial properties, I can help you secure the financing needed to meet your real estate investment goals.
SBA Loan Programs:
SBA 7(a) Loans: The most common SBA loan program, 7(a) loans provide financing for a wide range of business purposes, including working capital, expansion, equipment purchases, and real estate acquisition. These loans offer competitive interest rates and longer repayment terms, making them an excellent choice for small businesses looking to grow.
SBA 504 Loans: Designed for businesses seeking to purchase fixed assets such as real estate or machinery, 504 loans offer long-term, fixed-rate financing. These loans are ideal for businesses looking to expand their physical footprint or invest in significant capital improvements.
SBA Microloans: For small businesses and startups needing smaller loan amounts, microloans provide up to $50,000 for working capital, inventory, or equipment purchases. These loans are perfect for businesses that may not qualify for larger loans but still need funding to achieve their goals.
SBA Disaster Loans: In times of crisis, SBA disaster loans offer financial relief to businesses affected by natural disasters. These loans provide low-interest financing to help businesses recover and rebuild after experiencing significant damage or economic disruption.
SBA Express Loans: Offering a faster turnaround time than traditional SBA loans, Express loans provide up to $350,000 for working capital, equipment purchases, or real estate. The expedited process allows businesses to access the funds they need quickly, making them ideal for urgent financing needs.