Vincent Lau from New American Funding is the go-to lender for first-time homebuyers needing down payment assistance, business owners seeking creative financing solutions, and individuals with substantial assets but irregular income who require asset-based lending.

• Specializes in down payment assistance
• Offers asset-based lending
• Serves all of California
• Works with investors and business owners
• Focuses on creative financing solutions

They provide residential home loans to help people buy their first home and assist existing homeowners in accessing equity in their property. They also offer refinancing options to secure better rates or pull cash out. Their specialty includes down payment assistance for first-time buyers, financing for investors purchasing rental properties, and nontraditional lending solutions for business owners and individuals with irregular income but substantial liquid assets.

Based in Castro Valley, California, they are licensed to serve customers throughout the entire state of California.

They specialize in down payment assistance for first-time homebuyers, helping clients find funds for down payments and closing costs. They work with investors on rental properties and provide creative financing solutions for business owners who cannot qualify for traditional loans. Additionally, they offer asset-based lending by using clients' liquid assets such as retirement accounts, investments, and savings to generate qualifying income for home loans.

Their ideal customers include first-time homebuyers needing down payment assistance, real estate investors purchasing rental properties, business owners requiring creative financing solutions, and individuals with substantial liquid assets but irregular income seeking asset-based lending. They also collaborate closely with real estate agents, financial advisors, accountants, estate planning attorneys, and insurance agents who serve these client groups.

A coffee enthusiast who keeps lending solutions straightforward and accessible.