Originates purchase, refinance, and home equity loans across the studio's licensed states. Direct line, considered files, no hand-offs after the first call.
A loan file is a financial portrait - assets, income, intent. Lieng treats each one as a problem to solve, not a transaction to push.
I'm a mortgage banking professional with more than 30 years of experience specializing in residential and construction loans. Over those decades I've built a proven track record in loan origination, processing, and closing, with a strong ability to manage complex transactions from start to finish.
I'm known for maintaining the highest level of confidentiality while delivering efficient, detail-oriented service in fast-paced environments.
Bilingual in English and Vietnamese, I'm dedicated to serving diverse communities and building lasting client relationships.
These are the loan types Lieng runs day to day. The studio supports every program below - what's listed here is the daily mix.
Conventional, FHA, VA, USDA, and Jumbo. First-time buyers through move-up families. Pre-qual that actually pencils with real DU/LP runs.
Rate & term math when the breakeven pencils. Cash-out only when the use of funds justifies the cost of capital.
Balances above the conforming limit. Two-appraisal scenarios, asset-depletion files, complex income structures.
Two years of tax returns, P&L analysis, bank statement programs when the standard underwriting box doesn't fit.
DSCR loans, rental income qualification, portfolio building strategy for first and tenth doors alike.
HELOCs and equity loans for clients who want flexibility without disturbing a low first-lien rate.
The way Lieng runs a file - same as the studio, with Lieng's fingerprints on it.
No warm hand-off to a processor at week two. Lieng is the loan officer on day one and the loan officer at closing. Same number, same email, every step.
Income runs through real DU/LP. Assets get sourced. If a file isn't ready, you hear it on the first call - not at week six when the rate lock is burning.
If the deal doesn't make sense, Lieng says so. The job isn't to close every file - it's to close the ones that actually pencil for the borrower.
Each state is its own license, its own continuing education, its own regulatory environment. Lieng is currently licensed and originating in the following:
For purchase, refinance, or any file that needs a direct line to a loan officer - call, email, or apply online. First response within one business day.
