Business Details
22 Years
experience
Your Trusted Mortgage Partner in Burlingame, CA
Catherine Sun has been serving clients across California since 2004, providing tailored mortgage solutions through a combination of industry expertise and personalized service. Our team, led by Catherine Sun with over 15 years of experience, operates as a direct lender with in-house underwriting capabilities and access to more than 100 investors. We specialize in conventional, jumbo, portfolio, FHA, and VA loan programs, offering both fixed-rate and adjustable-rate mortgages to meet diverse financial needs. Our commitment to transparency ensures clients receive comprehensive guidance throughout the loan process, from pre-qualification to closing.Licensed by the California Department of Real Estate (License #01509029) and regulated under NMLS #254895, we prioritize client education and maintain strict compliance with industry standards. Our approach emphasizes building long-term relationships through honest communication, timely responses, and a deep understanding of local market dynamics. With a proven track record of securing competitive rates and simplifying complex transactions, we serve homeowners, first-time buyers, and investors seeking reliable mortgage solutions.
Services
Conventional Loans
Jumbo Loans
Portfolio Loans
FHA Loans
VA Loans
Fixed Rate Mortgages
Adjustable Rate Mortgages
Mortgage Refinancing
Investment Property Loans
Pre-Approval Services
Details
- Year established: 2004
Highlights and features
- Over 15 years of mortgage industry experience
- Direct lender with in-house underwriting capabilities
- Access to 100+ investors for competitive rate options
- Personalized service tailored to individual financial goals
- Licensed and regulated by California Department of Real Estate
Associations and certifications
- NMLS
- California Department of Real Estate
What people say
Expertise and knowledge
Quick responses
Personalized service
Competitive rates
Smooth process
Services
Conventional Loans
Conventional loans follow Fannie Mae and Freddie Mac guidelines, offering fixed and adjustable rate options with down payments as low as 3% for qualified buyers. These loans provide predictable monthly payments and flexibility for early repayment. Ideal for borrowers with strong credit profiles seeking standard mortgage solutions.
Jumbo Loans
Jumbo loans cater to high-value properties exceeding conforming loan limits, particularly in California's premium markets. These loans require stricter credit standards and larger down payments but offer competitive rates for qualified applicants seeking financing for luxury homes or high-cost areas.
FHA Loans
FHA loans provide accessible homeownership opportunities with 3.5% down payments and minimum 620 credit scores. These government-backed programs include mortgage insurance but offer lenient qualification criteria, making them ideal for first-time buyers and those with moderate credit histories.
Mortgage Refinancing
Our refinancing services help clients reduce monthly payments, shorten loan terms, or access home equity. We analyze current market conditions and individual financial situations to determine optimal refinancing strategies, including rate-and-term and cash-out options for California homeowners.
Investment Property Loans
Specialized financing solutions for real estate investors seeking to expand their portfolios. We offer conventional and portfolio loan options with flexible qualification criteria for rental properties, including multi-family units and commercial-residential hybrids across California markets.
People
Catherine Sun
Mortgage Loan Specialist
With over 15 years of mortgage industry experience, Catherine Sun combines M.B.A. expertise with personalized service. Licensed under BRE #01368972 and NMLS #238926, she specializes in guiding California clients through complex loan processes while maintaining exceptional responsiveness and client education standards.
Questions
What mortgage programs do you offer?
We provide conventional, jumbo, FHA, VA, and portfolio loans with fixed and adjustable rate options to suit various financial situations and property types.
How does the loan application process work?
The process begins with pre-qualification, followed by formal application, document submission, credit verification, underwriting, and closing. We guide clients through each step with clear communication.
What documents are required for a mortgage application?
Salaried borrowers need pay stubs, W-2s, and bank statements. Self-employed applicants require tax returns, profit/loss statements, and financial records. Specific requirements vary by loan type.
Can I get pre-approved before finding a property?
Yes, we offer pre-approval services that help buyers understand their budget and demonstrate credibility to sellers during the home purchasing process.
How do you determine mortgage rates?
Rates depend on market conditions, loan type, credit score, down payment amount, and property type. We help clients evaluate options to find the most suitable financing solution.
