Mortgage Lending

To be pre-approved, please fill out a quick online application and upload the supporting documents. We could run a soft pull on your credit, and it won't impact your score.

1. Click on Apply Now

2. Create a login account

3. Fill out a quick Online Application

4. Upload supporting documentations to the secure server directly.

Thank you for expressing interest in applying for a mortgage through visiting my portal.

I graduated from UC Davis with a degree in Electrical Engineering back in 1999. I was working in the technology field doing software development for financial institutions for about 10 years. I have been involved with real estate investing in the last 10 years. I currently reside in San Francisco Bay Area with my family of four beautiful children.

To see what other borrowers say about me, visit

King Hou Lam Loan Officer | NMLS# 1877010 Cupertino, CA General Mortgage Capital Mortgage Professional Reviews (experience.com)

Why should you work with me? Well, I am licensed to do mortgage all across California. I work with over 100 lending resources in our correspondent and wholesale channels, offering a variety of mortgage products with very competitive rates. I charge below the market rate on the origination fee.

I look forward to help you explore your options and identify a solution for your mortgage needs. For quicker response time, please text or email me. The chart below is the average historical interest rate of the 30-year fixed mortgages in the past 10 years.

By deciding to continue your mortgage loan, we may request addition documentation to support the information stated on the applicatin. These documents can include:

Full Doc Programs

All Paystubs in the last 30 days
The past 2 years W-2's, 1099s, etc...
Self-employed personal and business tax returns with pages for the last 2 years
The last 60 days of bank and/or investment account statements along with clarification of any large deposits
Clear copy of drivers license
Most recent homeowners insurance and/or HOA bill, as applicable
A complete signed purchase agreement, if applicable

Lite Doc Programs

No tax returns needed. Qualify with either peprsonal or business bank statements. Normally 50% of the average montly deposits could be used as the qualifying income. Borrowers could also try to quality with 90% of the income reported on the 1099 Form as well.

FAST & EASY LOAN APPLICATION WITH KING LAM