Have you talked to a lender yet?
Call Steven & know your maximum pre-approval amount today.
Move quickly and confidently when you find the right home.
Book your 30-minute
homebuying strategy session below.
Steven Quach
CALIFORNIA REAL ESTATE AGENT & MORTGAGE LOAN OFFICER
Expertise: 13+ Years as a California Real Estate Agent & Mortgage Loan Strategist
Impact: $100K+ in negotiated buyer & seller savings
Loans Powered by: Loan Factory, Inc. (NMLS #320841) — $16B+ volume | 45,000+ loans closed
Your pre-approval strategy session with Steven.
STRATEGY 01
Lifestyle & Asset Plan
- Are you buying alone, with a partner/spouse, or with a non-occupant co-signer?
- Will you use personal savings, family gifts, or do you need to sell your current home first?
- What are your must-haves and deal-breakers? (school districts, commute, resale value, appreciation potential, etc.)
STRATEGY 02
Financial Outlook
- What is your comfortable monthly payment versus the maximum the lender will approve?
- How do current rates, property taxes, insurance, HOA, and Mello-Roos affect your price range?
- Should you pay points to lower the rate, or take a credit toward closing costs with a higher rate?
- Exactly how much cash-to-close will you need?
STRATEGY 03
Zero to 3% Down
- Conventional/FHA: Programs requiring only 3% to 3.5% down.
- VA & USDA: Veterans or rural buyers may qualify for 0% down.
- Assistance: Grants and local help to cover your down payment or costs.
- Non-QM: As low as 10% down using bank statements, rental income (DSCR), or assets — great for self-employed borrowers and investors.
STRATEGY 04
Credit Pricing Levers
- Boost your credit score before applying to lower your rate and mortgage insurance (PMI).
- Your score isn’t pass/fail — it sets the price you pay. Small improvements can save you hundreds per month and thousands overall.
- FHA is flexible (scores as low as 500–580), but higher scores unlock better rates and lower mortgage insurance (PMI).
- Lenders look at the whole picture: credit, job history, and debt ratios all determine your leverage.
The Winning Strategy
Get pre-approved fast with a dual-licensed California Real Estate Agent & Mortgage Loan Officer in your corner. This is your key advantage to know your maximum buying power, secure a lower origination fee (when available), and gain access to my preferred network of agents for strategic negotiation.
Client Success Stories
"Creative Strategies for Maximum Return"
"After 30+ years in our home, Steven sold it for maximum return using highly creative strategies. From staging to closing, he handled everything perfectly."
"Stress-Free Investment Purchase"
"Steven made my investment condo purchase seamless. He was patient and incredibly efficient with CMAs and comps, eventually negotiating a winning bid."
"Three Successful Deals & Counting"
"We’ve worked with Steven twice—he sold our first home while buying our second without any gaps. He is the best in the business."
"Patient and Efficient"
"I bought my first home right in the middle of wedding planning. Steven was incredibly patient and efficient, answering every question I had."
"Attention to Detail"
"The best service and attention to detail I've experienced. Thank you, Steven, for everything! Truly a professional who cares."
"Unmatched Dedication"
"Steven went above and beyond to make our first purchase stress-free. He explained everything clearly and was there for us every step of the way."