Message From Kim
“I’ve been a Senior Loan Advisor for over ten years and my clients always say that I am very knowledgeable and great at explaining the loan process. Whether you’re a first-time buyer or a seasoned investor, my goal is to provide you with incredible service, seven days a week! At LoanLock, I have access to a variety of conventional, jumbo, non-qm/non-agency, and FHA and VA products to meet diverse needs. Because we are a direct lender, we process and underwrite everything in-house, so your approvals are quick and easy.”
About Kim
With over a decade of lending experience, Kim has defined herself as a go-to loan advisor to her clients. Her experience spans multiple loan products- from conventional to jumbo, FHA, VA, and even non-qm/non-agency for those special circumstances. Whether a first-time home buyer or a seasoned investor, Kim is able to tailor solutions to help her clients in their homeownership journey.
Kim’s commitment to white glove service is what really sets her apart. Her passion for helping her clients really shines during the lending process. She offers in depth consultations and a collaborative approach to find solutions together. She is available to her clients to walk them through every step and proactively let them know what to expect next. Her variety of 5 star reviews on sites like Zillow highlight her attention to detail and her personal approach. She strives to be her clients’ lender 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.