Quyen Sy

Quyen Sy Executive Branch Manager · Equal Housing Lender · NMLS # 1028669 · DRE # 02350634

08/28/2026

Buying a condo? Here is what your mortgage underwriter is actually looking for. 🏢👇

When you buy a condo, your lender has to approve the entire building, not just your unit. Underwriters review the HOA documents to check three major things: 1️⃣ Reserves: How much cash is set aside for building repairs. 2️⃣ Litigation: If the HOA is currently involved in any lawsuits. 3️⃣ Delinquency: How many owners are behind on paying their HOA dues.

Comment CONDO below to see if your target building is eligible! 📲

A pre-approval letter is not a guarantee until the loan is funded. ⚠️🔑Underwriting continues all the way up to closing d...
08/27/2026

A pre-approval letter is not a guarantee until the loan is funded. ⚠️🔑

Underwriting continues all the way up to closing day. Avoid opening credit cards, moving large unsourced sums of cash, or making sudden job changes during escrow, as these can force lenders to reject the loan.

Comment GUIDE below to get our complete Escrow Survival Checklist sent to your DMs! 📲

08/26/2026

Selling your home before you buy is the worst advice in real estate. 📉🏡

Instead of moving twice, paying for temporary storage, or cramming into a short-term rental, there’s a better way. You can use the equity in your current home as a down payment to buy your new home first—then sell your old house empty and staged for top dollar.

Comment FIRST below to see if your home qualifies! 📲

Stop letting debt-to-income limits halt your real estate growth. 📈🏢Conventional loans require personal income verificati...
08/25/2026

Stop letting debt-to-income limits halt your real estate growth. 📈🏢

Conventional loans require personal income verification and hard DTI limits. DSCR loans allow you to secure investment properties based solely on whether the rental income covers the mortgage. You can buy in your LLC's name and scale your portfolio infinitely.

Comment DSCR below to see if your target rental property is eligible! 📲

08/25/2026

Boat slip or the third bedroom? Pick one. ☝️
$2.1M in Huntington Harbour. You don’t get both at this price.

08/24/2026

Did you know that going $1 over this limit could cost you thousands? 💸👇

Crossing your county's conforming loan limit changes your mortgage from a standard conforming loan to a jumbo loan. This small shift can trigger higher interest rates, stricter underwriting rules, and extra fees. Always check your county's exact limit before shopping.

Link in bio — see what loan limits apply to your zip code in under 2 minutes! 📲

Self-employed and planning to buy a home? Read this first. 💼👇Your CPA is doing their job by maximizing your write-offs t...
08/21/2026

Self-employed and planning to buy a home? Read this first. 💼👇

Your CPA is doing their job by maximizing your write-offs to save you taxes. But when it comes to standard mortgage approvals, those same deductions can make your business look unprofitable. Bank statement loans allow you to qualify using your gross revenue deposits, keeping your CPA write-offs intact.

Comment DEPOSITS below to see if your business qualifies! 📲

08/20/2026

The 1% Mortgage Rate Myth: How Small Changes Can Save Big Money

We discuss how a seemingly small 1% difference in mortgage rates can actually save homeowners thousands of dollars annually, using a real-life example of a teacher named Dave who discovered significant monthly savings.

WOW! See what our last client said about the team and I.
08/20/2026

WOW! See what our last client said about the team and I.

Thinking of hunting for homes in Orange County or LA? It's easy to get caught up in the excitement of weekend open house...
08/19/2026

Thinking of hunting for homes in Orange County or LA? It's easy to get caught up in the excitement of weekend open houses.

But placing an offer without a verified pre-approval letter is the fastest way to lose your dream home. In California's competitive market, sellers won't even look at your contract without one.

Swipe left to see the step-by-step roadmap to get your finances underwritten and ready.

Here is the document checklist you need to compile:
📁 Proof of Income: Last 2 W-2s & 30 days of pay stubs.
📁 Tax Returns: Full federal returns from the last 2 years.
📁 Asset Statements: Last 2 months of statements (every single page, even blank ones!).
📁 ID: Valid driver's license or passport.

💡 Pro-Tip: Conventional loan limits scale by county. In LA and Orange County, standard con

Address

17911 Von Karman Avenue Suite 400
Irvine, CA
92614

Telephone

+19495367410

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