Home Purchase Loans
购房贷款
Conventional, FHA, VA and eligible Non-QM paths for primary homes, second homes and qualifying buyers.
CALIFORNIA MORTGAGE LOANS · 加州房贷
Mortgage options built around your full picture.
Maggie Bao works with multiple lending sources to compare qualifying directions for purchases, refinances, self-employed borrowers, investors and complex scenarios.
Request a loan review · 预约分析
LOAN PROGRAMS · 贷款方案
Start with the borrower—not a product box.
贷款资格、利率、费用与文件要求取决于信用、收入、资产、房屋用途和承保标准。以下是常见分析方向，不构成贷款批准承诺。
Mortgage Refinance
房屋再贷款
Rate-and-term and cash-out refinance analysis focused on costs, break-even timing and long-term cash flow.
Self-Employed & Non-QM
自雇与特殊收入
Alternative documentation may include bank statements, business cash flow or other eligible income methods.
Investment Property Loans
投资房贷款
Rental-property, DSCR and portfolio-focused analysis based on property economics and borrower goals.
Jumbo & Foreign National
高额与海外买家
Guidance for higher loan amounts and eligible overseas buyers with specialized asset and documentation needs.
CALIFORNIA SERVICE AREA
Local understanding across Northern California and beyond.
Maggie 提供加州范围内的房贷咨询，并熟悉 Sacramento、Davis、Woodland、Elk Grove、San Francisco 及周边市场中常见的购房与投资情形。
服务包括首次购房预算、Pre-Approval、自雇收入分析、投资房现金流、再贷款以及高额贷款规划。
Continue your research
Meet Maggie Bao, California loan officer 了解专业背景与服务方式 →Read bilingual mortgage guides 查看常见问题与市场知识 →Mortgage FAQ · 房贷常见问题 查看首付、信用、费用和审批解释 →START WITH A CONVERSATION · 一对一咨询
Tell Maggie what you are trying to finance.
购房、再贷款、自雇收入、投资房或海外买家情况，都可以从一次清晰的初步分析开始。