" It is not just about rates, we know what it takes to help you to obtain the best loans for your properties."
Nelson Lam - Mortgage Broker
IT IS ABOUT ME HELPING YOU
Your Trusted Mortgage Broker
A home is one of the most important investments you will ever make. When applying for a home mortgage, you want to make sure the loan process goes smoothly and close in a timely manner so there is no risk with your property investment. Regardless if you are a first-time buyer or you already own many homes, every home purchase or refinance transaction can be a big hassle and time consuming if you do not have an experienced mortgage consultant working with you.
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At Norcal Capital Group, we have a very experienced staff to process loans and great relationships with lenders to get loans funded. My 18 years of experience in the mortgage industry can help you decide which type of loan is best for your situation. I do not just sell mortgages to my clients, rather I give sound mortgage advice so they can make the right decision on their properties. Mortgages are not just about rates and payments, it’s about how you can make the mortgage work for you to get the most out of your property.


There are so many mortgage programs available today and I want to help you choose the best one that meets your needs. I always start first with an understanding of your current situation and what you would like to achieve in your housing/mortgage needs. Knowing your current information will help me to sort out what can be done to meet the lenders' requirements. Next, I review all the details with you, so you can understand the entire process and what needs to be done to ensure a final loan approval. By the time we submit the loan approval to the lender, we should have everything needed to get the loan approved in a timely manner. Having everything processed properly during the initial stages will give you a peace of mind that you will have the final loan approval.


Let my experience and professional level of service help you with your home mortgage needs. Feel free to call or email me with any questions or scenarios you like to discuss with me.
MY AREAS OF EXPERTISE
Learn More About My Services
I specialize in a variety of mortgage services aimed at helping to secure all of your property-financing needs. Whether you’re looking to buy your first home or refinance an existing mortgage, I provide an array of services suited to each client’s individual needs.
CREDIT ASSESSMENT
Know Where You Stand Financially
First step in determining how much you can borrow is to know your credit standing.  Your credit will dictate how we proceed in working with the lender for a new mortgage. I will analyze your credit report and make loan calculations based on your income and credit information to determine your credit worthiness and how much you can borrow.  If any issues, I will feedback and advise what steps needs to be done to resolve the problems and put you in good credit standing.
MARKET APPRAISAL
Knowing Your Property Value
Whether you need to refinance your home or buying a new home, you need to know what is the REAL value of the property. Before we submit your loan application, I will provide recent home sales data to determine how much the property can be appraised. This is crucial in determining how much you can borrow, how much downpayment you need, and what types of loan you can qualify for.  By knowing this information upfront, we can set the right expectation during the loan process and set a smooth path to close the deal.
LOAN PROCESS MANAGEMENT
Putting All Together
Having good credit, income, and downpayment does not guarantee you will close on the new mortgage. Is it also very important to meet all the lender's guidelines and requests to obtain the loan. I will work hand in hand with you to make sure we have all the necessary documents and reports so we can close the loan smoothly and on time. My goal is to be proactive in completing all the necessary items instead of being reactive. This will make the loan process a well managed experience and make sure we close the loan.
GETTING TO KNOW YOUR NEEDS
Provide Feedback and Advice
Listening to my clients is a vital part of my business. In order for me to give you proper advice and information I must know about your concerns, needs, and questions you may have. Not everyone needs the same type of mortgage. Knowing you, I can recommend what options you have and which ones may fit you best. The ultimate decision will be made by you. I goal is to help you make the right decision.
Contact me to see how I can help with your mortgage or refinancing needs.
GET IN TOUCH
Nelson Lam, Mortgage Broker
DRE# 01320669
NMLS# 262899
1369 Millbrae Ca 94030
925-457-7595
