I am an astute shopper and a value investor with 13 years of quantitative investment management experience, an MBA from the University of Chicago, and a Chartered Financial Analyst (CFA@) desgination. I always feel that there has to be a more efficient and cheaper way to obtain a mortgage loan. I can help you shop for the best loans by sifting through over 40 lenders to suit your needs. The career change to mortgage consulting is great as it combines the analytic side as well as the people side. I love helping clients find their dream house with the best financing options, save money by refinancing their existing loans, or find the right commercial loans for their investments. And here are just a few testimonials from satisfied clients: "We recently refinanced our mortgage, and Josephine helped us through the process. Everything went unbelievably smoothly, and we closed in about three weeks. For starters, Josephine offered us the best rate/terms we could find at the time we locked in. In addition, we found her to be a consummate professional. She was diligent about getting everything right upfront so there'd be no surprises. She gave us regular updates so we always knew where things stood at any given point in time. Josephine is actually a CFA, and as a bonus, we got some good financial advice pertaining to our situation. Needless to say, we strongly recommend her for your real-estate needs!"-Adarsh (Santa Clara County)"I have just bought a home with a difficult financing situation and Josephine helped me find the best rate and the loan closed within a month. I am very thankful for her hard work and impeccable customer service. I highly recommend her to everyone who looks for a mortgage consultant with integrity, ability, and the best rates." -Kwan (Contra Costa County)