Chan The Mortgage Man NMLS #354805

Chan The Mortgage Man NMLS #354805 Licensed in CA, NV, OR, WA, OR, CO, UT, TX, FL

We can originate VA and FHA loans down to 500 a FICO score!

VP of Residential Lending with GFL Capital Mortgage NMLS #354805

06/12/2026

Quick recap.

Most people overcomplicate this stuff…
but it’s actually pretty straightforward once you see it.

If you want real numbers based on your situation,
DM me START.

bchangflcapital.com
916-277-0737
NMLS # 354805

06/11/2026

This stops a lot of people from even starting.

They think checking numbers will tank their credit…
it won’t.

There’s a right way to do it.

If you want to see your options without impacting your
score,
DM me.

[email protected]
916-277-0737
Nmls 354805


06/11/2026

This isn’t a “rent vs buy” argument.

It’s just understanding the trade-offs.

Flexibility vs ownership.
Short-term vs long-term.

If you want to see what this actually looks like with your numbers,
DM me RENT.

[email protected]
916-277-0737
Nmls 354805

06/09/2026

This myth keeps people on the sidelines.

You don’t need perfect credit.
You just need a plan.

If you want to know what your score actually qualifies you for,
DM me CREDIT.

[email protected]
916-277-0737
Nmls 354805

06/09/2026

This is where most people get confused.

When you hear a “monthly payment”…
it’s not just paying back the loan.

There are 4 parts to it.

If you want to see what that looks like for your price range,
comment PITI.

[email protected]
916-277-0737
Nmls 354805

06/04/2026

This should be step one.

Not Zillow. Not open houses.

Pre-approval tells you what’s real…
and puts you in a position to actually win when you find a home.

If you’re even thinking about buying,
DM me START.

[email protected]
916-277-0737
Nmls 354805

06/03/2026

Same house. Different strategy.

3% down → less cash upfront
10% down → lower monthly payment

There’s no “right” answer—just what fits your situation.

If you want to run real numbers,
DM me DOWN.

[email protected]
916-277-0737
Nmls 354805

06/03/2026

This one stops a lot of people from even starting.

You don’t need 20% down.
Never did.

Most buyers are getting in with way less.

If you want real numbers based on your situation,
DM me DOWN.

[email protected]
916-277-0737
Nmls 354805

06/01/2026

Had a realtor friend ask where to learn loan basics…
Figured I’d start from zero.

Most people overcomplicate this.
It’s just a loan.

If you understand this, everything else gets easier.

Comment PAYMENT and I’ll break down what actually goes into it.


[email protected]
916-277-0737
Nmls 354805


05/21/2026

$2.1M purchase. $100K down. No PMI.

This pediatrician locked up an off-market deal under market value—instant equity on day one with the help of Joel Baker

Instead of tying up cash in the down payment, they kept reserves to renovate and plan to refinance once the value increases.

That’s smart leverage.

📩 DM me if you want to explore physician loan options or run your numbers. 🏡✨

Address

1100 Corporate Way Suite 210
Sacramento, CA
95831

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