What to expect
We understand that purchasing a home is one of the biggest purchases in a lifetime. We've streamlined our process to ensure that the experience of obtaining your mortgage is as smooth and stress-free as possible. Typically, once the loan documents are signed and delivered back to us, you’ll receive your funding in 5 to 7 days!
Why we should work together
CA LIC# CA-DFPI482413
Mortgage Education Videos
zuser201711190627142 from Hayward , CA via Zillow
Vincent really made our loan application process very easy, he was always a phone call away and went above and beyond to make sure we got the best interest rate. Thank you Vincent
Santa Clara , CA via Zillow
I have done many home loans before and I have to say that Vincent and his team is by far the most efficient team I have ever worked with. I only had 10 days to remove contingency and I was able to count on them to close on time. I would recommend Vincent any day to anyone who is planning to get a home load.
Vincent has been great to work with. From day 1, he was very prompt and responsive. He clearly explained the process to me, gathered all required documents early on and gave me head start on my mortgage application. Whenever I contacted him with questions or clarifications, he always responded back on time with all answers ready. With all fluctuations in interest rates, Vincent always gave me different options and explained the pros and cons of each one. He helped me making a decision at multiple points during my mortgage application. He made the overwhelming loan process smooth and easy. His estimates of loan contingency periods and closing date were super accurate, which helped me putting a competitive house offer. Thank you Vincent for your patience and great help throughout the process. It has been a pleasure working with you.
Palo Alto , CA via Zillow
Vincent is amazing and a pleasure to work with. From the pre-approval process to closing the loan, he was proactive, knowledgeable, thorough and very responsive. After reviewing all our documents, he picked out documents that needed more attention and double checked with the underwriters to make sure everything would go smoothly when we were in contract. Our contract was signed Friday night, so Vincent had to close in even less days than the already optimistic closing time frame he originally estimated. When we closed on time even the seller’s agent was surprised at how quickly Vincent pulled it together. In addition to how quickly he closed the deal, I appreciate how the whole process went smoothly with good communication. It gave me confidence to know that loan documents were being well prepared for the underwriter’s review. I highly recommend Vince to anyone looking for loan.
Castro Valley , CA via Zillow
My initial thought going with Bank of America proposed various concerns due to knowing how stringent their guidelines are. None of that concerns apply the moment Vincent Lau became our Senior Loan Officer. He is absolutely knowledgeable, professional, responsive, and passionate throughout the process. Most importantly, his way of explaining and gathering documents with us made it not only a seamless process but added to the minor hiccups built in we still were able to meet our escrow deadline. We were informed about the status at all times. We would highly recommend Vincent and Bank of America would be a solid gold company if they can clone Vincent. He is a great asset to the company for sure!
Sacramento , CA via Zillow
Vince is our go to guy when it comes to home loans. We’ve worked with him several times over the years to refinance our home and he recently assisted us in the purchase of a second home. We were worried that we wouldn’t be able to meet the seller’s contingency of doing an inspection within ten days of accepting our offer or be able to close quickly as required, but Vince made it happen! He got our inspection done and our loan was completed and ready to sign days before the seller’s deadline. Even when we ran into another hiccup of not being able to sign at the title office on a weekday, Vince worked with the title officer to find a notary to show up at our house to sign. Throughout the process, Vince was very accessible even while he was out of town. He promptly returned all phone calls, texts, emails and even as we were signing the loan documents, I had a question and he texted back immediately with the answer. I highly recommend Vince to anyone looking to purchase a property whether you’re a first time homeowner or have purchased several over the years.
Palo Alto , CA via Zillow
Vincent was amazing and exceptional from the first minute we met him to help with our mortgage for our first house purchase in the US. We were actually going to go with a broker but Vincent stepped in, proposed the best possible rate far better than the best broker's rate, and committed to the very tight deadlines that we had for closure. Working over weekends to get things done on time and achieve the constraints we had with our deadlines, very clear in communication, extremely responsive and helpful with any questions we had any time. He delivered on all his commitments and exceeded all our expectations to successfully, smoothly and timely close our purchase. Job well done and we will work with him again
San Jose , CA via Zillow
It was a great pleasure working with Vincent. He was professional, responsive, reliable, knowledgeable, and very pleasant to work with. He was helpful at taking care of all the busy paper work and getting the documents to my husband and I, so we can close escrow even before the deadline. He guided us through the process and explained everything very well. Without any hesitation, I would highly recommend Vincent to anyone needing an experienced and a great loan officer.
Lawndale , CA via Zillow
Vince was tremendously helpful in obtaining my first home loan. He was exceptionally patient and professional throughout the process, as well as very accessible, promptly returning texts, phone calls, and emails. These were comforting and helpful qualities for a first time home buyer. I am very satisfied with the service Vince provided me. I,without hesitation, recommend Vince for any home loan services.
Sunnyvale , CA via Zillow
Vincent has been such a pleasure to work with. As first time home buyers, we had very little idea about the home loan financing process. Vincent very patiently explained everything to us and answered all of our questions and concerns. Needless to say that his performance on getting us the best deal and closing the loan on time has been phenomenal. I would definitely recommend him.
Calculate your payment
Crunch your own numbers with our mortgage calculators. Run as many different scenarios as you’d like to see how much home you can afford.
I'll be in touch shortly, and look forward to helping you find the right loan to fit your needs.