Welcome! I’m Nian Gong, a dedicated and detail-driven loan originator committed to helping you achieve your homeownership and financial goals with clarity, confidence, and ease. With a strong foundation in both mortgage lending (NMLS# 2562427) and real estate (DRE# 02227330), I bring a comprehensive, client-first approach to every transaction. Whether you're buying your first home, refinancing for a better rate, or exploring investment opportunities, I am here to guide you through the process with professionalism, transparency, and care. As your loan originator, I offer: - Expert Knowledge of mortgage products, lending guidelines, and market trends - Clear Communication at every step to keep you informed and empowered - Tailored Solutions that align with your unique financial situation and goals - Efficiency and Attention to Detail to ensure a smooth and timely closing - Integrity and Advocacy—I always act in your best interest I pride myself on being responsive, approachable, and proactive—providing not just a transaction, but a seamless, supportive experience that brings real results. My goal is to make the loan process stress-free, straightforward, and successful, so you can focus on what matters most: your future home. Let’s take the next step together. I’m here to make your financing journey simple, secure, and successful — from application to closing and beyond.
We are a leading mortgage company dedicated to providing exceptional service and competitive rates to homebuyers and homeowners. Our team of experienced professionals is committed to making the mortgage process simple, transparent, and stress-free.
With access to a wide range of loan products and lenders, we help you find the perfect mortgage solution tailored to your financial goals and circumstances.
We offer a comprehensive range of mortgage products including conventional loans, FHA loans, VA loans, USDA loans, jumbo loans, and more. Whether you're buying your first home, refinancing, or investing in property, we have loan options to meet your needs.
The typical mortgage process takes 30-45 days from application to closing. However, the timeline can vary based on factors such as loan type, property type, and how quickly you provide required documentation. We work diligently to expedite the process while ensuring everything is handled correctly.
Credit score requirements vary by loan type. Conventional loans typically require a minimum score of 620, while FHA loans may accept scores as low as 580. We can help you understand your options and work with you to improve your credit if needed.
Down payment requirements vary by loan type. FHA loans can require as little as 3.5% down, while conventional loans may require 3-20% depending on the terms. VA and USDA loans may offer zero down payment options for qualified borrowers. We'll help you determine the best option for your situation.
Contact me today to discuss your mortgage needs and get personalized rate quotes. I'm here to guide you through every step of the home financing process and help you achieve your homeownership goals.