Programs people actually use
Conventional, FHA, VA, USDA, jumbo, refinance, cash-out, HELOC, and home equity loans.
Finding a home loan can feel complicated. We make it clear.
Purchase, refinance, FHA, VA, USDA, jumbo, and home equity. You get a straight read from Ryan Chen, NMLS #2888518, before you write an offer or touch your current mortgage.
Ryan Chen · Loan Officer
NMLS #2888518 · San Jose, CA
Why start here
A residential mortgage, explained by the person who takes the application.
Mainstream home loans only. One loan officer. A direct line.
San Jose office, direct phone
2195 Tully Road. Call (917) 609-3412. The corporate line is (660) 333-3333.
Licensed, and listed
Ryan Chen, NMLS #2888518. Loans arranged through Loan Factory, Inc., NMLS #320841.
Loan types
The residential loans this office handles.
Pick the one that matches the house and the goal. If you are unsure, start with the short application and Ryan will sort the options.
C
Conventional
A standard mortgage for primary homes, second homes, and many investment properties.
See how it works →FFHA
An FHA-insured mortgage often used by buyers with a smaller down payment.
See how it works →VVA
A home loan benefit for eligible veterans, service members, and some surviving spouses.
See how it works →UUSDA
A no-down-payment option for eligible buyers in qualifying rural and suburban areas.
See how it works →JJumbo
Financing above the conforming loan limit in your county.
See how it works →RRefinance
Replace your current mortgage with a new rate, term, or both.
See how it works →CCash-out refinance
Replace your mortgage and turn part of your equity into cash.
See how it works →HHELOC
A home equity line of credit you can draw from, usually at a variable rate.
See how it works →HHome equity loan
A lump-sum second mortgage, usually at a fixed rate.
See how it works →FFirst-time buyer
A plain-English path through down payment, credit, and the first offer.
See how it works →How it works
Three steps. Then a real answer.
Tell us the goal
A short form covers the loan you want, the price range, and how to reach you. It takes a few minutes.
Ryan reviews the file
He looks at credit, income, the property type, and which program actually fits. You talk to the loan officer on the license.
You get a next step
That may be a pre-approval, a program comparison, or a clear reason to wait. A pre-approval is not a commitment to lend.
Bring the address, or just the question.
Purchase, refinance, FHA, VA, or a HELOC. Start with the form or call (917) 609-3412.