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Zhongjun (John) Ma - Loan Officer | NMLS # 245912 in Cupertino, CA

Zhongjun (John) Ma

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Loan Officer | NMLS # 245912

4.89
(224)
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GMCC is one of the fastest growing direct lenders in California. We specialize in JUMBO programs (from $200k up to $20m), with an in-house LOCAL underwriting, doc and funding, for extremely efficient turnaround times. We have over 100 lendi...... Show More
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Overall Ratings
4.89
(224)
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  • 5.0
    Encompass
    G
    Ge L S
    Orlando, FL
    Posted on April 9th, 2026 07:10 PM
    This was a smooth and positive experience with my loan agent John Ma. Thanks to him and his team clear communication and dedication. I always felt supported.
  • 5.0
    Encompass
    M
    Michael H C
    Berkeley, CA
    Posted on April 3rd, 2026 03:30 PM
    John was a person with integrity, honesty and openness . He was very dependable and easy to work with. He was very knowledgeable about all kind of loan programs . With his experiences , he suggested a loan that was best fit to our requirements...
    read more
  • 5.0
    Encompass
    H
    Hwa-Ling L
    Mountain View, CA
    Posted on March 16th, 2026 06:11 PM
    Easy, fast, and trust worthy.
  • 5.0
    Encompass
    J
    Jae Y Y
    San Mateo, CA
    Posted on December 27th, 2025 05:40 PM
    John(Zhongjun) has excellent mortgage knowledge and is very easy to communicate with. The entire process was straightforward. I strongly recommend him.
  • 5.0
    Encompass
    Z
    Zhijie W
    San Jose, CA
    Posted on December 16th, 2025 04:19 AM
    considerate for the customer
  • 5.0
    Encompass
    B
    Brook Q Z
    South San Francisco, CA
    Posted on December 7th, 2025 03:50 PM
    John is excellent. Highly knowledgeable and great communicator. I will continue to work with John and his team.
  • 5.0
    Encompass
    X
    Xuxia W
    Alameda, CA
    Posted on November 29th, 2025 07:25 PM
    John responds so quickly. He is patient and knowledgeable, and I never have to worry when he’s handling my case. Highly recommended!
  • 5.0
    Encompass
    Y
    Yun C
    San Jose, CA
    Posted on October 24th, 2025 03:02 PM
    concise communication and quick turnaround
  • 5.0
    Encompass
    Q
    Qikang L
    Castro Valley, CA
    Posted on October 22nd, 2025 03:06 PM
    professional and they know what they need to do to make it great
  • 5.0
    Encompass
    F
    Fei W
    San Jose, CA
    Posted on October 17th, 2025 06:16 PM
    I had a great experience thanks to my loan agent’s professionalism and excellent communication. They guided me clearly through every step, answered all my questions promptly, and made the entire loan process smooth and stress-free. I truly...
    read more
  • 10 of 224
    About
    GMCC is one of the fastest growing direct lenders in California. We specialize in JUMBO programs (from $200k up to $20m), with an in-house LOCAL underwriting, doc and funding, for extremely efficient turnaround times. We have over 100 lending resources in our correspondent and wholesale channels. GMCC offers many unique programs, including but not limited to: First Time Buyer Program (5% down, up to $1M with no MI) Purchase without the need to sell your departing primary residence first (for house upgrade) Self Employment Programs (1 year doc, Bank Statement, P&L, Asset Based, No Ratio, and Lite doc) High Tech Borrowers (non-citizenship, limited credit history, RSU/Bonus, less than 2 years, H1 Visa, F1 w/ EAD card)
    Products & Services
    Mortgage Loan Officer
    FHA Home Loan
    VA Home Loan
    Jumbo Home Loan
    Conventional Home Loan
    Mortgage Refinance
    Bridge Loans
    Fixed Rate Mortgages
    Qualified Mortgage Pre-Approvals
    Non-QM
    Reverse Mortgage
    221
    /850
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    Time Zone

    Pacific Standard Time (PST)
    Licenses
    • NMLS# 245912
    Disclaimer
    ©2024 General Mortgage Capital Corporation (“GMCC”) is a mortgage lender. NMLS ID# 254895 (www.nmlsconsumeraccess.org). 1350 Bayshore Highway #740, Burlingame, CA 94010. 669-303-9888. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. Equal Housing Opportunity.