Come home to the expert.
Mortgages for first-time buyers, growing families and investors — with clear guidance from pre-approval to closing, in English or 한국어.
Or ask about pre-approval:
Prefer a form? Send a quick note ↓
Hi, I'm Jae.
I help individuals and families achieve their dream of owning a home. My goal is to make the mortgage process smooth and straightforward — whether you're a first-time buyer or a seasoned homeowner, I'll guide you through each step, answer your questions and help you make informed decisions.
Every client's situation is different, so I tailor my approach to your needs and financial goals.
A loan option for every situation
From your first home to your next investment property, I'll match you with the program that fits your goals and budget.
Buy a home
Low down payment and first-time buyer options.
- Conventional
- FHA
- VA
- USDA
- Jumbo
- Condo
Refinance
Lower your rate, change your term, or tap your equity.
- Cash-out refinance
- HELOC
- Adjustable-rate (ARM)
Invest & self-employed
Flexible qualifying for investors and business owners.
- DSCR (investor)
- Bank statement
- Second home
- Investment property
- Delayed financing
Ready to take the step toward owning a home?
Here's what working together looks like.
Personalized solutions
I learn your goals and finances, then tailor a mortgage to fit your situation and budget.
Fast pre-approval
Know your budget and shop with confidence — a quick pre-approval gives you an edge with sellers.
Competitive rates
Access to a wide range of loan options, so we can compare rates and terms side by side.
Guidance every step
From application to closing, I answer your questions and keep the process moving.
Clear communication
You'll always know where things stand and what comes next.
Run the numbers
Free calculators to estimate your payment, budget and savings before we talk.
Prefer your phone? These calculators and more are in my free iPhone app, Mortgage Agent.
App Store
Expertise, a personal approach, and someone who picks up the phone
Lending expertise
A deep understanding of loan programs and guidelines, so you get options that actually fit.
Built around you
No one-size-fits-all loans — I recommend what matches your circumstances and plans.
Straight answers
Open, honest communication, so you understand the details and decide with confidence.
Market knowledge
I keep up with rates, trends and lending rules, and share what they mean for you.
Available when you need me
Questions come up at all hours of a home purchase. I'm easy to reach and quick to respond.
A long-term partner
Your first home, a refinance, or an investment property later — I'm here for what's next.
Before you start shopping
Get pre-approved first
A pre-approval letter shows sellers and agents you're a serious buyer and gives you an advantage over competing offers.
Know your loan-to-value (LTV)
LTV is your loan amount divided by the property's value. At 80% or lower, you generally qualify for better terms — and can avoid PMI on a conventional loan.
Jumbo loans
Fixed-rate jumbo financing with competitive pricing and qualifications tailored to your situation.
Condo financing
Condo loan options so you can enjoy the convenience and savings of condo living. Ask about your building's eligibility.
Start with a quick note
It takes about a minute. I'll reach out personally, the way you prefer.
- No credit check to send this form
- No obligation — just a conversation
- I'll call, text or email — your choice
Ready to get pre-approved?
Apply online, or call, text or email me and we'll talk it through.