Tommy Kwong - Sound Lending Team

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Tommy Kwong - Sound Lending Team Tommy Kwong, NMLS # 2068426
Sound Lending Team, NMLS # 2451903
Licensed Mortgage Broker

I am a Licensed Mortgage Broker, and I work with a wide variety of wholesale lenders all across the US. Some called me a matchmaker because I search for the best mortgage product for my client based on their financial situation, and then connect them with lenders that offer them. I also gather paperwork from the borrower and pass it along to a mortgage lender for underwriting and approval. Working with a mortgage broker can the client time and effort during the application process, and potentially a lot of money over the life of the loan. Moreover, most wholesale lenders work exclusively with mortgage brokers, providing borrowers access to loans that otherwise would not be available to them.

JUST FUNDED! DSCR Refinance – Everett, WA 🌲🏠Complex property profiles are no problem when you know how to navigate under...
10/15/2026

JUST FUNDED! DSCR Refinance – Everett, WA 🌲🏠
Complex property profiles are no problem when you know how to navigate underwriting!

Our investor needed to lock in long-term debt on a unique property, but automated systems triggered multiple red flags:

• Duplex vs. Condo: Built as a duplex, but legally declared a condo for separate title ownership.

• Ghost Lien: Title software pulled up an old lien belonging strictly to the adjacent unit.

• Dual Addresses: Tax records and emergency services mapped two different street numbers to the same parcel.

• Self-Managed HOA: Required a custom Limited Review Condo Questionnaire cleared without a management company.

We cleared every condition with detailed parcel records and direct letters of explanation, successfully locking in a 30-year fixed DSCR loan!

Why investors work with us:
âś… No personal income or tax returns required for DSCR
âś… Smooth transition from short-term debt to 30-year fixed cash flow stability
âś… Expert navigation of tricky titles, condo declarations, and county tax records

Have a complex deal or hitting underwriting hurdles? Let’s connect!

DM me or email [email protected]
206-889-9495

Real Client Quote: DSCR Refinance in Tacoma, Washington! 🏠Looking to optimize your rental property’s cash flow and secur...
10/09/2026

Real Client Quote: DSCR Refinance in Tacoma, Washington! 🏠

Looking to optimize your rental property’s cash flow and secure a stable long-term rate without jumping through traditional underwriting hoops? Check out this real-time refinance quote locked for a single-family investment property!

Full details: https://soundlendingteam.com/real-client-quote-10-09-26-dscr-loan/

How the Fed’s September Rate Hike Impacts Mortgage Rates & the Housing Market?Following the Federal Reserve’s decision t...
09/18/2026

How the Fed’s September Rate Hike Impacts Mortgage Rates & the Housing Market?

Following the Federal Reserve’s decision to raise the federal funds rate by 25 basis points (lifting the target range to 3.75%–4.00%), borrowers and real estate investors are asking what this means for housing costs. See the full post here: https://soundlendingteam.com/mortgage-matters-2026-09-18/

🔑 Real Client Quote: DSCR Cash-Out Refinance in Kent, WA!Looking to tap into your rental property’s equity to grow your ...
09/15/2026

🔑 Real Client Quote: DSCR Cash-Out Refinance in Kent, WA!

Looking to tap into your rental property’s equity to grow your portfolio without dealing with tax returns, W-2s, or DTI limits? Check out this real-time cash-out refinance quote locked for a single-family investment property in Kent!

See full details here: https://soundlendingteam.com/real-client-quote-09-15-26-dscr-loan/

đź“° Market Alert: US Treasury Announces $6 Billion Bond Buyback to Boost Market Liquidity | September 9, 2026In a signific...
09/09/2026

đź“° Market Alert: US Treasury Announces $6 Billion Bond Buyback to Boost Market Liquidity | September 9, 2026

In a significant move to stabilize financial markets, the US Department of the Treasury has announced plans to purchase up to $6 billion in longer-term government debt (Treasury bonds). This proactive step is designed to enhance overall market function. Here is how it impacts the housing and lending industry:

Read the full post: https://soundlendingteam.com/%f0%9f%93%b0-mortgage-real-estate-market-digest-august-31-2026-3/

🚀 Real Client Quote: DSCR Investment Purchase in Federal Way, WA!Looking to add a solid rental property to your portfoli...
09/04/2026

🚀 Real Client Quote: DSCR Investment Purchase in Federal Way, WA!

Looking to add a solid rental property to your portfolio without submitting tax returns or W-2s? Check out this real-time financing quote secured for a single-family rambler acquisition in Federal Way!

Deal Breakdown: https://soundlendingteam.com/real-client-quote-09-03-26-dscr-loan/

🚀 Real Client Quote: Short-Term Rental Cash-Out Refi in Graham, WA!Operating an Airbnb or VRBO and want to pull tax-free...
08/27/2026

🚀 Real Client Quote: Short-Term Rental Cash-Out Refi in Graham, WA!

Operating an Airbnb or VRBO and want to pull tax-free equity out of your property without jumping through traditional income hurdles? DSCR financing makes it simple.

Here is a look at a real quote for a client refinancing a short-term rental property in Graham, Washington, to unlock cash for their next investment: https://soundlendingteam.com/real-client-quote-08-27-26-dscr-loan/

🚀 Real Client Quote: Fix & Flip Purchase + Rehab Financing!Thinking about getting into real estate investing but don't h...
08/25/2026

🚀 Real Client Quote: Fix & Flip Purchase + Rehab Financing!

Thinking about getting into real estate investing but don't have a massive portfolio of past projects? You don't need years of experience to get aggressive leverage on a fix-and-flip property!

Here is a real quote breakdown for a client tackling a major transformation—even with zero prior experience:

See the full breakdown here: https://soundlendingteam.com/real-client-quote-08-25-26-fix-flip/

đź“© Send me a DM to run the numbers
📧 Email: [email protected]
đź“ž Call/Text: 206-889-9495

Address

158 SW 148th Street , #1173
Seattle, WA
98166

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