at Bayone Reic, San Jose, CA 

1754 Technology Dr Ste 108

San Jose, CA 95110

Office: 408-780-8228
Fax: 408-213-2176


NMLS#289969, BRE(DRE)#01407630

Offer no closing cost loan specialties for purchase or refinancing needs

Free Loan Pre-Approval Letter in Few Minutes

2nd Webiste:

I am on Yelp as well !

About me

Thanks for visiting my pages!  As a Senior Loan Officer at Bayone Reic I always prided myself on delivering exceptional customer service responsible to clients as well as expecting nothing less for the rest of my staff. I put Customers first in everything I do because I owe my customers everything – indeed without them, I am nothing. Please browse through my site to learn more about me and the company that stands behind you in your pursuit to purchase or refinance your home.
BIO & Business Info:
Since 2003, I started working mortgage industry. I had over 10 years experience in residential lending. I’m well experienced in lending, credit counseling, personal finance, and Customer service, and I take pride in helping Customers meet their individual objectives. 
Mainly focus on residential mortgage loan: Conventional Loan, Refin Plus, Harp Program for house under the water or doesn't have 80% loan to value.
Here are the some areas that I specialize in:
*First Time home buyer consultations, education, analysis & free loan pre-approval letter.
*Refinance analysis to see if restructuring of debt makes financial sense, and low the interest rate.
* Following are the list of loan programs:
Fixed Program: 30 years, 28 years, 25 years, 20 years, 15 years, and 10 years.
ARM Program: 10/1 ARM, 7/1 ARM, 5/1 ARM, and 3/1 ARM.
My mission is to serve my customers with honesty, integrity and competence. My goal is to provide home loans to my clients while providing them with the lowest interest rates and less closing costs as possible.



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