Business Details
19 Years
experience
Your Trusted Mortgage Broker in San Jose, CA
GoldenPoint Finance, established in May 2007, is a mortgage brokerage firm located in the Bay Area, California. Our mission is to help clients secure loan programs tailored to their financial goals, prioritizing customer satisfaction through a fast, easy, and hassle-free process. With over 18 years of industry experience, our founder Trisha La combines expertise in real estate and mortgage services to stay ahead of market trends and regulatory changes. We maintain relationships with reputable lenders to offer competitive residential and commercial loan products, including fixed-rate mortgages, FHA/VA loans, and commercial financing for multifamily properties.Our team of licensed professionals, including senior loan consultants and processors, provides personalized support and transparent communication throughout the lending journey. We serve clients across California, emphasizing ethical practices, no hidden fees, and timely closings. As active community members, we also support charitable initiatives through our involvement with BeCause for Hope. Our commitment to excellence has earned us consistent client referrals and positive testimonials highlighting our responsiveness and dedication to client success.
Services
Residential Loans
Commercial Loans
Fixed-Rate Mortgages
Adjustable Rate Mortgages
FHA Loans
VA Loans
Jumbo Loans
Hybrid ARMs
HARP 2.0 Refinancing
Interest-Only Mortgages
Details
- Year established: 2007
Highlights and features
- We offer 18+ years of mortgage industry expertise with personalized service
- Hassle-free digital loan process with transparent terms and no hidden fees
- Access to diverse loan products including specialized commercial financing options
- Proven track record of timely closings and competitive rate negotiations
- Team maintains active real estate licenses and industry designations
What people say
Great to work with
Professional and caring
Transparent and hard working
Always available
Smooth paperwork process
Services
Residential Loans
We provide comprehensive residential mortgage solutions including fixed-rate, adjustable-rate, and government-backed loans. Our process simplifies home financing with competitive rates and personalized guidance. Clients benefit from our extensive lender network and expertise in navigating complex loan requirements.
Commercial Loans
Our commercial lending services cover multifamily properties, mixed-use developments, and construction projects. We specialize in SBA loans and private/hard money options for investors. Our team offers tailored financing strategies to support business growth and real estate investments.
FHA Loans
We facilitate FHA-insured mortgages that enable low down payments and favorable terms. Our experts guide borrowers through the qualification process and documentation requirements. These loans are ideal for first-time homebuyers seeking affordable financing options.
VA Loans
We specialize in VA-guaranteed loans for military veterans and active-duty personnel. Our process maximizes zero-down payment benefits and competitive interest rates. We provide dedicated support for veterans navigating the unique requirements of VA financing.
Jumbo Loans
We offer jumbo loan solutions for high-value properties exceeding conventional loan limits. Our competitive pricing and flexible terms cater to luxury home buyers. We maintain relationships with specialized lenders to accommodate unique financing needs.
People
Trisha La
Broker / Owner
With 18+ years in real estate and mortgage industries, Trisha founded GoldenPoint Finance in 2007. She holds realtor licenses, CDPE and GRI designations, and chairs BeCause for Hope charity. Her expertise spans residential/commercial lending and investor financing solutions.
Moy S. Truong
Sr. Loan Consultant
Senior loan consultant with extensive experience in mortgage origination. Provides expert guidance on loan programs and qualification requirements. Maintains active NMLS licensing and focuses on client education throughout the lending process.
Van Tran
Sr. Loan Consultant
Experienced mortgage professional specializing in residential loan products. Assists clients with pre-approvals, documentation preparation, and rate comparisons. Holds NMLS certification and emphasizes clear communication during transactions.
Rich Kowk
Sr. Loan Consultant
Senior consultant with expertise in complex loan scenarios and investor financing. Provides tailored solutions for conventional and government-backed mortgages. Maintains current industry knowledge to address evolving lending regulations.
Ivy Doan
Sr. Loan Processor
Experienced loan processor managing documentation and underwriting requirements. Ensures timely submission of complete loan packages. Coordinates with lenders and clients to maintain efficient closing timelines.
Questions
What types of mortgage loans do you offer?
We provide fixed-rate, adjustable-rate, FHA, VA, jumbo, hybrid ARM, HARP 2.0, and interest-only mortgages for residential properties, plus commercial loans for multifamily and investment properties.
How quickly can you close a mortgage loan?
Our average closing timeline ranges from 30-45 days depending on loan complexity, documentation completeness, and appraisal scheduling. We prioritize timely closings through proactive coordination with all parties.
What are your current mortgage rates?
Rates fluctuate daily based on market conditions. We provide personalized rate quotes after reviewing your financial profile and loan requirements during a free consultation.
Do you offer online mortgage applications?
Yes, we provide secure digital application options and electronic document submission. Our entire loan process can be completed remotely with secure digital signatures and virtual communication.
What credit score do I need for a mortgage?
Minimum credit requirements vary by loan type: FHA loans typically require 580+, conventional loans 620+, and jumbo loans usually 680+. We help clients understand their options based on current credit profiles.
Can I get pre-approved before house hunting?
Yes, we strongly recommend obtaining pre-approval before starting your home search. This process verifies your borrowing capacity and strengthens your offers in competitive markets.
