Junie K Ngai

Trustworthy Mortgage Consultant

Solving Mortgage Puzzles

Fluence in English, Cantonese and Mandarin

Seeking a capable and trustworthy mortgage consultant?

Junie K Ngai

With over 18 years of experience in the mortgage industry, Junie is a seasoned professional with a proven track record of success. Having closed numerous mortgage transactions, he brings deep expertise and insight to every client interaction. Junie has skillfully navigated complex mortgage challenges, offering invaluable support during pivotal moments, including the housing crisis and recent pandemic-related financial hardships. His commitment to finding tailored solutions ensures that clients receive the guidance they need in any market condition.

Junie combines patience with expertise, taking great satisfaction in providing mortgage solutions and guidance to his clients. He firmly believes that even the most challenging mortgage situations can be successfully resolved with the right approach and dedication.

Junie is proficient in English, Cantonese and Mandarin.

True Case:

Despite having a secure government job and a stable income, a client faced repeated mortgage rejections from major banks. Referred by a friend, he sought Junie’s expertise. Through a comprehensive consultation, Junie identified alternative qualifying income sources and implemented a strategic, well-timed approach. Thanks to his guidance, the client not only secured his first home but went on to successfully purchase six properties over the years.

Are you currently facing some of the common issues listed?

High income, but not qualify, why?
Assets in the bank, but can not be used for qualifying?
Foreign nation without resident status?
Limited working history or even no history?
Buyout co-owner/s ownership?
Low FICO or even no FICO?

General Mortgage Capital Corporation

Junie is licensed at a nationwide corporation, General Mortgage Capital Corporation (GMCC) – a direct lender/mortgage lender headquartered in California. GMCC’s rental cash flow mortgage programs (DSCR) cover 49 (beside Alaska). They also specialize in Prime Jumbo/Non-QM, Agency mortgage loans with an in-house underwriting ($100k to $5 million), in-house loan doc and funding (up to $10 million), for efficient turnaround times with over 400+ Licensed Loan Officers to help.

General Mortgage Capital Corporation is a lender that has in-house delegated underwriting and funding. Learn more