Processor-level detail
I build files the way I used to clear them: complete, organized, and anticipating the conditions before they’re issued.
Trust One Financial
Home financing,
handled from the inside out.
Before I originated loans, I spent thirteen years processing them: clearing title, balancing closing statements, scheduling signings, and funding files myself. Now I bring that back-office precision to the front, from your first question to the day you get your keys.
NMLS# 2304006 · Branch NMLS# 2817568 · Equal Housing Lender
- 17+
- Years in the mortgage industry
- 13
- Years processing, application to funding
- 5
- States licensed to lend: AL, FL, MN, TN, VA
NMLS# 2304006
About Ka
I know what happens after you apply, because I’ve done every step of it.
Most borrowers only see the beginning and the end of a loan. I spent more than a decade in the middle. As a loan processor I worked files from the moment an application came in all the way through funding: ordering and clearing title, balancing closing figures, coordinating signings, and getting loans funded on time.
Today I work on the origination side as a mortgage broker with Trust One Financial. That means I can shop loan programs across multiple wholesale lenders, and structure your file from day one the way an underwriter and closer will want to see it. Fewer surprises, fewer last-minute document requests, and a clear picture of where you stand.
Community has always been at the heart of my work, including the Hmong community I’ve been part of for years.
- 01Application
- 02Processing
- 03Title cleared
- 04Closing balanced
- 05Signing
- 06Funded
Loan Programs
The right structure for the home, and for you.
As a broker, I compare options across lenders rather than one bank’s menu. Program availability and terms depend on your situation and lender guidelines; let’s talk through what fits.
- 01
Home Purchase
Conventional financing for primary residences, second homes, and investment properties, with a pre-approval built to hold up in escrow.
- 02
FHA Loans
Government-backed financing with lower down payment options and flexible credit guidelines, often a strong fit for first-time buyers.
- 03
VA Loans
For eligible veterans, service members, and qualifying military families. Often with no down payment required.
- 04
Refinance & Cash-Out
Restructure your current mortgage or put your home’s equity to work for renovations, debt consolidation, or major expenses.
- 05
HELOCs & Home Equity Loans
Access equity while keeping your existing first mortgage in place.
- 06
Non-QM & Self-Employed
Bank-statement and alternative-documentation programs for business owners, investors, and non-traditional income.
- 07
Land, Manufactured & Rural Homes
Acreage, manufactured homes, and homes on septic and well have extra moving parts. Thirteen years of processing taught me where these files tend to stall, and how to keep them moving. Availability varies by state, property, and lender guidelines.
Why Work With Ka
Precision you can feel at the closing table.
Broker flexibility
Access to multiple wholesale lenders means I can match your scenario to the program, not force it into one.
Clear communication
You’ll know where your file stands at every step, and so will your agent and escrow team. No chasing for updates.
Rooted in community
I treat every client like a neighbor. Clear answers, honest expectations, and a phone that gets answered.
Where I Lend
Licensed to lend in five states.
Active mortgage loan originator licenses
- Alabama
- Florida
- Minnesota
- Tennessee
- Virginia
I originate mortgage loans for properties in these states. Verify my licenses on NMLS Consumer Access.
Start a Conversation
Let’s map out your next move.
Tell me a little about what you’re planning. I’ll follow up personally to talk through options. No pressure, and no obligation.
- Phone(714) 725-4868
- Email[email protected]
- CompanyTrust One Financial
5 Park Plaza, Suite 300, Irvine, CA 92614
NMLS# 2304006 · Branch NMLS# 2817568 · United Lending Team, INC NMLS# 2273319 · Equal Housing Lender