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. Mona treats each one as a problem to solve, not a transaction to push.
With 30 years of experience in the mortgage industry and 20 years as a dedicated loan originator, I bring a rare depth of expertise and a steady hand to every transaction. Having navigated multiple market cycles, I understand what it takes to guide borrowers through one of the most significant financial decisions of their lives.
I am fluent in both English and Cantonese, which allows me to serve a diverse range of clients and ensure that complex mortgage concepts are clearly communicated.
I am known for attention to detail, transparent communication, and a genuine commitment to my clients' long-term financial wellbeing. I built my reputation one loan at a time - through referrals, repeat business, and trust earned over decades.
Whether you're a first-time buyer, rebuilding your credit, or refinancing an existing property, I have the knowledge, patience, and resources to find the right solution for you.
These are the loan types Mona 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 Mona runs a file - same as the studio, with Mona's fingerprints on it.
No warm hand-off to a processor at week two. Mona 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, Mona 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. Mona 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.
