Business Details
22 Years
experience
Trusted Mortgage Lending Services in Burlingame
Founded in 2004 Catherine Sun has established itself as a trusted direct lender serving California homeowners investors and first-time buyers. Our team of seasoned professionals utilizes in-house underwriting and partnerships with over 100 investors to deliver tailored financing solutions. With expertise in conventional jumbo portfolio FHA and VA loan programs we prioritize transparency and education to simplify complex processes.Our NMLS-certified specialists guide clients through pre-approval documentation and closing while maintaining compliance with state and federal regulations. The company maintains a strong reputation for responsive service as evidenced by numerous client testimonials praising our communication and loan customization capabilities.
Services
Conventional Loans
Jumbo Loans
Portfolio Loans
FHA Loans
VA Loans
Fixed Rate Mortgages
Adjustable Rate Mortgages
Investor Financing
First-Time Buyer Programs
Refinancing Options
Details
- Year established: 2004
Highlights and features
- We offer 15+ years of mortgage expertise with a client-first approach
- Our in-house underwriting expedites loan approval processes
- Access to 100+ investors for competitive rate comparisons
- We specialize in niche financing programs for unique situations
- Our team maintains NMLS certification and state licensing compliance
Associations and certifications
- California Department of Real Estate
- NMLS #254895
What people say
Fantastic service
Very knowledgeable
Prompt responses
Excellent rate
Personalized attention
Services
Conventional Loans
Conventional loan programs following Fannie Mae and Freddie Mac guidelines offer flexible terms from 10-30 years. Qualified buyers can secure as low as 3% down payment for first-time homebuyers or 5% for other purchasers. These fixed and adjustable-rate options provide predictable monthly payments with potential for equity building while adhering to standard credit requirements.
Jumbo Loans
Jumbo loan programs accommodate high-value property financing exceeding conforming loan limits. Available in fixed and adjustable rate options from 10-30 years these loans require stricter credit criteria and financial reserves. Ideal for luxury home purchases in premium California markets where conventional loan limits prove insufficient for property valuations.
FHA Loans
FHA-insured mortgage programs enable low-down-payment financing with minimum 3.5% requirements and credit score thresholds starting at 620. These fixed-rate options provide accessible homeownership opportunities while requiring mortgage insurance premiums and specific property eligibility criteria for both purchase and refinance transactions.
VA Loans
VA-guaranteed loan programs offer zero-down payment financing for eligible veterans and service members. Available in fixed and adjustable rate structures these loans feature competitive rates and reduced funding fees while requiring proper documentation of military service history through DD-214 forms and VA certificate validation.
Portfolio Loans
Portfolio loan programs provide flexible underwriting solutions for unique financial situations including asset depletion and stated income verification. Available in 15-30 year fixed or adjustable rate formats these loans accommodate investment properties and non-traditional income documentation while typically carrying higher interest rates compared to conventional alternatives.
People
Catherine Sun
Mortgage Loan Specialist
With 15+ years of mortgage industry experience Catherine Sun holds an MBA and NMLS #238926 certification. Specializing in California market financing she provides personalized loan solutions while maintaining BRE License #01368972. Her expertise spans conventional jumbo portfolio and government-backed loan programs.
Questions
What types of mortgage programs do you offer?
We provide conventional jumbo portfolio FHA and VA loan programs with fixed and adjustable rate options ranging from 10-30 years. Our in-house underwriting supports specialized financing solutions for unique financial situations.
How much down payment do I need for a conventional loan?
Conventional loans require as low as 3% down payment for first-time homebuyers with 620+ credit scores and 5% for other qualified buyers. Loan-to-value ratios determine exact requirements based on property type and financial profile.
Do you offer government-backed loan programs?
Yes we specialize in FHA loans (3.5% minimum down payment) and VA loans (zero down payment for eligible veterans). These programs feature competitive rates and specialized underwriting requirements for qualified applicants.
How long does the mortgage process take?
Average loan processing takes 14-30 business days depending on credit profile complexity and documentation completeness. Pre-approvals typically complete within 3-5 business days once all financial documents are submitted.
What documents are required for loan approval?
Salaried applicants need two years of W-2s pay stubs and bank statements. Self-employed borrowers provide tax returns profit/loss statements and business bank records. Additional documents include ID mortgage statements and insurance documentation.
Can I refinance my existing mortgage?
Refinancing options include rate/term adjustments and cash-out refinances. Our clients have secured average rate reductions of 0.5-1.5% with typical processing times under 30 days using streamlined documentation requirements.
