Our Competitive Advantages on Loans

Our Wholesale Channels


Wells Fargo, Chase, Bank of America, Union Bank, Citi Bank, US Bank, and over 30 national wholesale lenders.


Our Direct Funding Channels


We also underwrite and fund loans directly.


We analyze your scenarios and pick the best solution for you. If we can't finance your deal with fast closing and low rates, nobody else probably can in the market.

Budget Your Home Purchase

Dream Homes Special Niches


  • 90% LTV One Loan to $1.5M no mortgage Insurance
  • 1-years out of short sale foreclosure with only 20% down
  • Delayed Financing Buy with cashand immediately take the cash back out
  • 2-week close of escrows on purchase
  • Loan Amounts to $10M
  • Jumbo  financing without 2γear employment history
  • Jumbo Financing 3 years after Short sale
  • Non-QM Lending
  • No limit on number of financed properties
  • Expanded DTI up to and above 50%
  • 75% cash out 1 million (unlimited on loan amount, up to 1m)
  • 80% 1 million 680 FICO 2nd home 700
  • Seasoned 6 months rate/term to combine first and 2nd (no draw within 6 months)


Dream Homes Special Programs


  • Asset-based lending with similar FULL DOC rate - exclusive loan programs not offered by other banks
  • Foreign National LoansReverse MortgagesPrivate/Hard Money loans& Commercial financing
  • Bridge LoanCross-Collateralizing for home purchases
  • Credit Repair and restoration affiliates
  • Self-Employed: possible to use 1year tax return
  • Jumbo financing: lowest FICO 660
  • Jumbo  DTI possible to  be 49%
  • 40-yr amortization programs
  • 100% gift funds for Jumbo Investment properties


Why we can close your loan FAST?


  • Delegated underwriting
  • 30 different sets of underwriters
  • Direct Lender Advantage Option to Draw doc and fund the loan In house
  • One set of disclosures for all of our 30 investors
  • Ability to use the same appraisal for all our investor channels

Kevin C Tsui

BRE# 01945704
NMLS# 1299918


1350 Bayshore Highway, Suite 740
Burlingame, CA 94010
Contact: 650-340-7800





Sponsored/Brokered by

Bay One Realty &

General Mortgage Capital Corporation

BRE 01509029

NMLS 254895

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