King Hou Lam, Home Mortgage Consultant

Direct Lender—Help You Shop & Qualify for the Best Deal

NMLS #1877010, CA DRE #01855205
General Mortgage Capital Corp.,
NMLS #254895, DRE #01509029
1350 Bayshore Highway #740, Burlingame, CA 94010

Apply Now
Pre-Approval

510-517-3253 (国/粤语)

FREE Consultation

Are you trying to lower your mortgage payments, get cash-out, or get pre-approved to buy your dream house?
Dream Homes

The mortgage loan process could be complex and complicated. We make best use of technology to simplify the process for you. We will schedule a time to chat with you, review your information, and explore different solutions to best benefit you. We will do the hard work for you to get the loan approved. 

Do you need to purchase – buy without sell first?
Ask us about some special niche programs: no tax return required, use cash flow, and asset to qualify.

Why should you work with us?

We will help you shop for the best deal on a mortgage with the knowledge, experience, and lending platform that we utilize, which allows us to  compare many mortgage products available in real-time, and possibly locking the rate the same day. We will review your situation, explore different solutions, and  guide you personally through the mortgage application process.

A good loan officer (LO) is like an experienced captain navigating a ship in stormy waters and try to bring the ship safely to harbor. One might not realize the amount of work involved in getting a loan done. A good LO coordinates with the borrower, selling agent, listing agent, HOA, insurance agent, appraisal management company, escrow, title, loan processor, lock desk, underwriter, funder, etc., and stays on top of the situations, because every one of these holds a “red card” that could potentially sink the ship.  

Who would you trust your housing future to? 

  • KNOWLEDGE
  • CONSULTATION
  • EXPERIENCE
  • COMMUNICATION

  • GROWTH

    by

    REFERRALS

  • ACCESSIBLE
I have extensive experience with real estate & loan transactions.
I have extensive experience with real estate & loan transactions.
I am tri-lingual: fluent in English, Mandarin and Cantonese and understands different people’s cultures.
I will listen & review your situations and guide you personally through the mortgage application process.
If I locked-in a rate for you that you can commit to, would you recommend my service?
We are a California direct lender, specialize in JUMBO programs (from $200k up to $20m), with an in-house LOCAL underwriting, doc and funding, offering extremely competitive pricing from over 100 lending resources.
I have a background in engineering and leverage a mobile app to simplify the mortgage application process.
Why should you work with us?

We provide mortgage solutions with the following potential benefits*:

  • No Out-of-Pocket Expense
  • Free Credit Check
  • Appraisal Waiver
  • Appraisal Reimbursement
  • No Application/Processing/Underwriting  Fee
  • No Escrow and Title Fee
  • Escrow Refund
  • Skip a Mortgage Payment or two
Review the list of docs needed:
Required Documents
Apply Now
Online Application
Thank you for expressing an interest to apply for a mortgage. We provide personal mortgage consultations and solutions to help you lower your mortgage payments, get cash out, or qualify to buy your dream home! Call/Text for a FREE Consultation.  

What people are saying about me?

King Lam responded to question quickly, even on weekends and evenings. He always seemed to be patient, and ready to solve any problems without worry. And in the end when the loan was ready, he went out of his way to see that we got the check as quickly as possible, which paid off for us in the end.

Reviewed by Martin J.

Verify Review

King is very knowledgeable, professional, and confident in what he does. What impresses me the most is his responsiveness, in relaying information and answering questions – may they be urgent or not. Thank you King for all your help with my refi! Best.

Reviewed by Ngai P.

Verify Review

Mr. Lam is very professional throughout the process. He is responsive; anytime I had questions and concerns, I got the responses immediately from him. He is honest and kept his promise. I was able to get the best rate through him for my house mortgage refinance with very minimum fees. He had told me right in the beginning what I would expected of all fees. This expectation carried out to the end. I have highly recommended him to all my co-workers, friends, and families. I will continue to do so.

Reviewed by Jianyu L.

Verify Review

Honest and true to his word. Kept me informed throughout the promise. Very happy with the terms. Glad I stuck with King.

Reviewed by Albert L.

Verify Review

King was great to work with; he communicated very well and kept me up to date as to what was going to occur next. I appreciate that he leveraged modern technology such as web forms and SMS to help streamline the various steps to make it easier to deal with including everyone’s favorite document collections. This was the best refinance experience I’ve had, and I’ve done this a few times in the past. Thanks, King, I’ll look for you when I do my next loan.

Reviewed by Eric T.

Verify Review

King Lam is easy to work with and I had a very good experience with our refinance. I will use him again and will recommend to friends and family for mortgage needs.

Reviewed by June Z.

Verify Review

King is a diligent, hardworking and honest Mortgage banker that I had a privilege working with on multiple occasions. He bats for the client and has lots of inputs and helpful insights. I would recommend him to anyone in a zip!

Reviewed by Mahesh R.

Verify Review