Message From Jane
“I have over 20 years experience in mortgage loan origination. My specialties include Non-QM/ Jumbo scenarios and restructuring files that are suspended or pending denial. Bilingual in both Korean and English, I provide personalized service to ensure clients find the right loan products that fit their unique needs. I am dedicated to making the home loan process seamless and accessible, offering guidance from pre-qualification through to closing.”
About Jane
Jane has been in the mortgage lending industry for over 20 years where she has been consistently recognized as one of the top producing mortgage loan officers. Jane’s deep insight into the industry and specialty product knowledge allows her to see the big picture and assist clients in identifying the right loan program for their unique situation.
Because LoanLock offers such a wide variety of loan products from Conventional to FHA, VA, Jumbo, and Non-QM, Jane is able to present a tailored approach to funding clients’ loans. With competitive rates and underwriting in-house, her approvals are fast and fundings are smooth.
As a bilingual loan officer, Jane can offer guidance in both Korean and English. She strives to be your lending partner for life.
Mortgage Products
Bank Statements
Great for self-employed borrowers. Qualify using bank statements. No tax returns required.
DSCR
Property investor-friendly loans. Qualify using market rents only. No ratio available.
1099
Independent contractor-friendly loans. Qualify using 1099 statements. No tax returns required.
Asset Utilization
Great for retirees and entrepreneurs. Use liquid assets to qualify income such as stocks, IRA, 401K and more.
Conventional
Applicable to a wide range of borrowers. Both Fixed and ARM options available.
FHA
Great for first-time home buyers. Put down as little as 3.5% downpayment.
VA Loans
No downpayment and No MI. Home ownership options for veterans and their families.
Refinancing
Lower your current mortgage rate or get cash out. Pay for home renovations, college, and more.
Jumbo Loans
Loan Amounts as high as $3 Million. Both Fixed and ARM options available.
ARM
Great for savvy investors. Typically lower initial rates than fixed term loans. Available in 3, 5, 7, and 10 year terms.
2ND Mortgage
Unlock your home’s equity. Great for home improvement projects or consolidating debt. Provides a fixed rate equity loan option
HELOC
Secured line of credit. Pay for home renovations, college, and more. Provides flexibility to pay down and reuse line of credit.
We have one goal: Deliver a stress-free loan for every borrower, every time.
Why LoanLock?
LoanLock is a premier mortgage lender headquartered in sunny Southern California. We lend in multiple states across the nation and assist everyone from first-time homebuyers to seasoned real estate investors. As a direct lender, we process and underwrite your loans on-site, so approval decisions are faster. Here are some of the reasons why you should consider working with LoanLock:
Transparent Regardless of whether you’re refinancing or buying, we provide a clear and concise breakdown of your loan transaction upfront. Never pay credit check, application, or lock-in fees.
Personal Your state licensed Loan Advisor is your personal concierge throughout the entire mortgage process. They are focused on you and your specific goals.
Green We use fast and secure technology to provide you with as close to a paperless experience as possible. We care about your experience and the environment.