Purchase, refinance, jumbo, non-QM, or reverse mortgage — whatever your situation, I'll walk you through it personally. Serving clients throughout California, not just the Bay Area. No call center, no credit pull to start.
A complete, plain-English walkthrough of buying or refinancing a home in California — every step, every term, nothing assumed. Built so a friend or your realtor could send you here and it explains everything, even if we haven't talked yet.
Pick the one that matches your situation — each path is built differently on purpose.
Conventional, FHA, or jumbo — buying at any price point. If you're above your county's conforming limit, I'll help with that too.
See my limit →Access equity or lower your rate — including interest-only structures that keep payments low.
Start my refinance →Asset depletion, DSCR, and P&L qualification for borrowers a W-2 file wasn't built for.
See what qualifies → Denied for write-offs? Read this →A calm, no-pressure look at turning home equity into retirement income, for you or a parent.
Understand your options →Three quick steps. You'll see a real number before we ever ask for your name.
I'll follow up personally — usually the same day.
This is a planning estimate only, not a loan commitment. Figures shown are 2026 FHFA conforming loan limits.
If you've already looked around and you're ready to move, tell me the situation and I'll start your actual application.
Not a national call center. A licensed California loan officer who answers the phone.
"As a first-time homebuyer, I had a lot of questions and wasn't sure what to expect. Loi Tran took the time to explain every step of the mortgage process in simple terms and never made me feel rushed. He was always available when I needed him and kept me updated from start to finish. Thanks to his guidance, we closed on time without any surprises. I highly recommend Loi to anyone buying their first home."
"I refinanced my mortgage with Loi Tran, and the experience was smooth from beginning to end. He carefully reviewed my options, explained the pros and cons of each loan, and helped me choose the one that made the most financial sense. The paperwork was organized, communication was excellent, and the entire process moved much faster than I expected. I would definitely work with Loi again for any future mortgage needs."
"Our jumbo loan was more complicated than a standard mortgage, but Loi Tran handled everything with professionalism and attention to detail. He stayed on top of the underwriting process, kept us informed throughout, and worked hard to make sure we closed on schedule. His knowledge of the lending process gave us confidence every step of the way. If you're looking for an experienced loan officer who truly looks out for his clients, I highly recommend Loi."