Low Rates.
No Hassle.
Your local Monterey Park expert — serving all of California
Find out how Joann can help make qualifying for a low-rate mortgage genuinely easy — with one-on-one support the whole way.
About Me
I'm Joann, and I'm here to help.
You've heard the horror stories...how hard it is to qualify, the mounds of paperwork you have to provide, the difficulties and delays. Not to mention the fighting, shopping, and haggling to get a good rate.
I have got great news...
Allow me to introduce myself. I am a mortgage loan specialist that will assist you every step of the way in the loan process, which can oftentimes be challenging for borrowers to understand fully. I will provide you with a wealth of mortgage knowledge, as well as provide you the best loan options that suit your individual needs. I ensure our full commitment and exceptional service to you during your homebuying process!
When you're ready, the next step in getting a low rate mortgage made easy is to contact me so we can review your unique situation and make sure that you get a low rate mortgage without the stress and hassle that's normally associated with it.
Whether you need the mortgage to buy a home, or are looking to refinance for a better rate or some cash out of your property, I can help.
I look forward to hearing from you.
Joann Wong
Client Stories
“Joann and her team assisted us with our loan in a quick and timely manner. We appreciated Joann’s responsive communication style in answering questions and checking in to ensure a smooth process. Many thanks for the service and help with our home!”
“Working with Joann has been great! She is on top of everything and very responsive. If you want someone that will really help you out and work for you, she's the one. I wish I found her sooner!”
“Thorough, educational and trustworthy. Total transparency and great communication. Thank you, team!”
“Great experience working with Joann and Summy answer all my questions and explained everything really well I would really recommend them.”
“Joann is simply the best. Communication is always fast, she’s responsive, and follows up quickly. Follows up throughout the entire process so you’re never left in the dark. Highly recommend Joann!”
“I have recently worked with Joann's team for a mortgage refi. Her team exhibits professional knowledge and great customer services. We are super happy with the end result! Cheer to her team!!!”
“Joann helped us refinance our home loan. She is extremely knowledgeable and she helped us get the best rate. Thank you Joann!”
“Joann and her team were wonderful to work with. They were very thorough and communicated with me through the entire process.”
Have questions about the process?
Let's have a conversation.
Every consultation is completely free, with no obligation — just straight answers about your options.
What I Do
A smoother path to your mortgage.
Real support at every step — so you always know what's happening with your loan.
Outstanding Communication and Follow-up
We keep you informed and return all emails and calls promptly, so you never have to wonder what's going on with your loan.
Professional Support
Count on us to be there with you and help you navigate the entire mortgage process — cutting through the red tape and avoiding the common mistakes people make.
Competitive Rates
We work with you to find the right program with a great rate and a transparent process, so you can rest easy.
Close Your Loan On Time
Not all lenders can close quickly or on time. We work closely with you through the process to meet every deadline and make sure your loan closes on schedule.
Client Stories
“Joann and her team assisted us with our loan in a quick and timely manner. We appreciated Joann’s responsive communication style in answering questions and checking in to ensure a smooth process. Many thanks for the service and help with our home!”
“Working with Joann has been great! She is on top of everything and very responsive. If you want someone that will really help you out and work for you, she's the one. I wish I found her sooner!”
“Thorough, educational and trustworthy. Total transparency and great communication. Thank you, team!”
“Great experience working with Joann and Summy answer all my questions and explained everything really well I would really recommend them.”
“Joann is simply the best. Communication is always fast, she’s responsive, and follows up quickly. Follows up throughout the entire process so you’re never left in the dark. Highly recommend Joann!”
“I have recently worked with Joann's team for a mortgage refi. Her team exhibits professional knowledge and great customer services. We are super happy with the end result! Cheer to her team!!!”
“Joann helped us refinance our home loan. She is extremely knowledgeable and she helped us get the best rate. Thank you Joann!”
“Joann and her team were wonderful to work with. They were very thorough and communicated with me through the entire process.”
Who We Help
The right guidance for your situation.
First Time Home Buyers
We know how overwhelming the process of buying a home is, especially if it is the first time that you're doing it. We will work closely with you to explain the process, to protect you from making mistakes that could cost you later, and to ensure that your mortgage gets approved and you get the home that you are so excited to be buying!
Move Up and Second Home Buyers
Buying a new home when you currently own one has it's own unique set of concerns. We can answer all of your questions about how to qualify and purchase a home when you already own one whether you're buying a new primary residence or a second vacation home.
Refinancing Home Owners
If you already own your home but you are looking to refinance to either save money with a lower interest rate or possibly take some cash out for any reason, we can help you with that. We also can show you how to make sure you are structuring your new financing to get the best deal possible.
Investment Buyers
If you're buying real estate for investment purposes, we can help you secure financing to maximize your ROI.
Seniors Seeking Reverse Mortgages
If you are 62 years or older and are looking for options to stay in your home without a mortgage payment (borrower still responsible for taxes and insurance) or to access your home's equity while still living there, we can answer your questions about reverse mortgages so you can decide if they are right for you.
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Other Resources You'll Find Helpful
Free guides to help you decide.
Looking for help with your down payment?
Let me share with you 3 government sponsored programs for buying a home with little or even no money down!
Download NowBuying a new home when you already own one?
If you are thinking about selling your current home and are looking at buying a new one, be sure to know this info.
Download NowWant to get a low rate when refinancing?
With these insider strategies you'll know what questions to ask to get the best offer from any lender (even me!)
Download NowWork With Us
Let's find out how I can help.
Your needs are unique — reach out however works best for you, and we'll find exactly how we can help.