Business Details
22 Years
experience
Your Trusted Mortgage Partner in Burlingame, CA
Catherine Sun has been serving California homeowners, homebuyers, and investors for over two decades. Founded in 2004, our team of seasoned professionals specializes in residential mortgage solutions, leveraging in-house underwriting capabilities and access to over 100 investor partners. We combine deep industry expertise with personalized service, offering a comprehensive range of loan programs including conventional, FHA, VA, jumbo, and portfolio loans. Our direct lending model enables tailored financing solutions for primary residences, investment properties, and portfolio expansion.With NMLS #254895 certification and California Real Estate Broker license #01509029, we maintain strict compliance with regulatory standards while prioritizing client education throughout the loan process. Our mortgage specialists bring combined decades of experience navigating complex transactions, ensuring clients receive accurate guidance from pre-qualification through closing. We differentiate ourselves through transparent communication, competitive rate negotiation, and post-closing support that builds lasting client relationships.
Services
Residential Mortgage Loans
Refinancing
Investment Property Loans
Loan Pre-Approval
Jumbo Loans
FHA Loans
VA Loans
Conventional Loans
Portfolio Loans
Adjustable Rate Mortgages
Details
- Year established: 2004
Highlights and features
- We offer 15+ years of mortgage industry experience with personalized service
- Direct lender with in-house underwriting capabilities
- Access to 100+ investor partners for competitive rate options
- Specialized programs for first-time homebuyers and investors
- 24/7 client communication with rapid response times
What people say
Excellent service
Quick responses
Competitive rates
Smooth transactions
Personalized attention
Services
Residential Mortgage Loans
We specialize in residential mortgage solutions for primary residences. Our services include conventional loans with low down payment options, fixed-rate mortgages, and adjustable-rate programs. Clients benefit from personalized consultations to determine optimal financing structures based on individual financial profiles and homeownership goals. Our team navigates complex documentation requirements while maintaining transparent communication throughout the loan lifecycle.
Refinancing
Our refinancing experts help homeowners reduce monthly payments, shorten loan terms, or access equity through rate-and-term or cash-out refinancing. We analyze current market conditions and client financial situations to identify cost-saving opportunities. The process includes comprehensive rate comparisons across 100+ investor partners and streamlined documentation to expedite closing timelines while ensuring regulatory compliance.
Investment Property Loans
We provide specialized financing for real estate investors seeking to expand property portfolios. Services include portfolio loan programs with flexible qualification criteria, jumbo loans for high-value properties, and tailored underwriting for multi-unit investments. Our team understands unique investor needs, offering cash flow analysis-based approvals and competitive rates for clients with existing rental property portfolios.
FHA Loans
Our FHA loan program assists first-time homebuyers with low down payment requirements (as low as 3.5%) and accessible credit score thresholds. We guide clients through HUD requirements, including property condition assessments and mortgage insurance considerations. Our specialists ensure compliance with FHA appraisal standards while maintaining efficient processing timelines for purchase and refinance transactions.
VA Loans
We offer VA-guaranteed loans with zero down payment options for eligible veterans and service members. Our process includes verification of Certificate of Eligibility, assessment of funding fee requirements, and specialized underwriting that considers military-specific financial circumstances. We maintain expertise in VA appraisal standards and streamline documentation requirements to expedite loan approvals while ensuring compliance with Department of Veterans Affairs guidelines.
People
Catherine Sun
Mortgage Loan Specialist
Catherine Sun, NMLS #238926 licensed professional with 15+ years of mortgage industry experience, specializes in residential financing solutions. She holds an MBA and California Real Estate Broker license #01368972. Catherine excels in guiding clients through complex loan processes, maintaining 24/7 availability for client consultations while achieving rapid response times. Her expertise includes navigating regulatory requirements for conventional, FHA, and VA loan programs.
Questions
What documents are required for loan pre-approval?
Salaried borrowers need recent pay stubs, W-2s, and bank statements. Self-employed applicants require tax returns, profit/loss statements, and business bank records. Valid ID and property-specific documentation are also necessary.
How long does the mortgage process take?
Typical transactions complete in 14-30 business days for well-qualified borrowers. Complex cases or additional documentation requests may extend timelines, with regular progress updates provided throughout the process.
Do you offer first-time homebuyer programs?
Yes, we offer FHA loans with 3.5% down payments and conventional options with 3% minimum down payments. Our specialists provide guidance on down payment assistance programs and first-time buyer eligibility requirements.
Can I refinance an investment property?
We offer investment property refinancing options including cash-out and rate-and-term programs. Portfolio loan solutions provide flexible qualification criteria for clients with multiple rental properties.
What credit score is needed for best rates?
Borrowers with scores above 680 typically qualify for optimal rates. Our team works with clients to improve credit profiles through strategic financial planning and lender-specific underwriting guidance.
