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. Trucly treats each one as a problem to solve, not a transaction to push.
With years of experience in the mortgage industry, I'm a dedicated Loan Officer committed to helping clients achieve their homeownership and financial goals. I specialize in a wide range of loan programs, including conventional, FHA, VA, and refinancing solutions. Highly detail-oriented and responsive, my approach is centered on clear communication, transparency, and personalized service - ensuring every client understands their options and feels confident throughout the loan process.
I'm also bilingual in English and Vietnamese, which allows me to better support a broader range of clients and families.
I take pride in building long-term relationships based on trust and results. Whether you're a first-time homebuyer or a seasoned investor, I work diligently to find the best financing solutions tailored to your unique needs. My goal is to make the lending journey smooth, efficient, and stress-free from application to closing.
These are the loan types Trucly 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 Trucly runs a file - same as the studio, with Trucly's fingerprints on it.
No warm hand-off to a processor at week two. Trucly 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, Trucly 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. Trucly 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.
