Direct Source of Private & Hard Money Loans on CA Residential and Commercial Properties. We also offer very competitive rates on bank loans for both residential and commercial loans.
We Specialize in: 1. First-Time Homebuyers 2. People who aren't sure if they need to sell or keep their current home before they buy a new one 3. People looking to purchase second homes in resort areas.
Our mission is to provide our customers with a warm and illuminating mortgage experience like no other. We achieve this by providing a fast, convenient, and transparent digital mortgage process backed by expert guidance and exceptional customer service.
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Residential Mortgage Lending throughout the United States
FHA Loans Home Loans 203K Loans Refinance Veterans VA Home Loans Purchase
FHA and Conventional Loans - Reverse Mortgages - Commercial & Multi-Family - VA Loans - Bridge Loans
- VA - FHA - Fannie Mae - Freddie Mac - Jumbo - Non-Conforming - Non-QM - DSCR - Asset Depletion - Self-Employed - Bank Statement - Renovation - Foreign National -Commercial - SBA
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What Makes Phu Phan & The Phan Group Different At The Phan Group, we don’t believe in one-size-fits-all mortgages. Every client’s situation is different—and your loan strategy should be too. Here’s what truly sets us apart: 1. Strategy First, Not Just Rates We don’t just quote a rate—we build a complete loan strategy around your goals. Whether you’re buying your first home, investing, refinancing, or self-employed, we focus on long-term outcomes, not quick approvals. 2. Education & Transparency Our clients understand their loan before they sign. We explain options clearly, break down numbers in plain language, and make sure you feel confident every step of the way—no pressure, no surprises. 3. Access to More Loan Options As a broker-focused team, we work with multiple lenders, not just one. That means more flexibility, better pricing, and creative solutions for FHA, VA, conventional, jumbo, DSCR, and non-QM loans. 4. Advocacy Like a Fiduciary We treat your money like it’s our own. Our role is to advocate for your best interests—negotiating terms, finding credits, and structuring loans that make sense both now and years from now. 5. Relationship-Driven, Not Transaction-Driven Most of our business comes from referrals and repeat clients. We’re not here for a single deal—we’re here to be your long-term mortgage advisor as your life and investments evolve.
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