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Turning Complex Loans Into

Simple

Solutions

Nhan Cao is a premier Bay Area mortgage broker serving California, Texas, and Florida. With years of experience, he specializes in personalized financing solutions for complex scenarios. He excels in handling complex cases , including non-QM loans that require creative approaches beyond conventional lending parameters.

Known for his efficiency and responsive service, Nhan personally guides clients from application to closing, ensuring a smooth mortgage experience even with challenging timelines.

Today's Rates

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30 Yr -Fixed

6.625%

6.712% APR

$4,097.99 / month

Week Change: 0.000%

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15 Yr -Fixed

5.750%

5.885% APR

$5,314.62 / month

Week Change: 0.000%

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30 Yr-Fixed
Monthly payment	$4,097.99
Purchase price	$800,000.00
Down payment	20%
Discount Point/ Lender Credit	$0.00
Loan Cost	$5,720.00
Location	Santa Clara County, CA
Fico Score	740+
Monthly income qualified	$12,000.00
Rate Lock	30 days
Property usage	PrimaryResidence
LTV	80 %
First time home buyer	Yes
Lender	AmWest Funding Corp. Wholesale

15 Yr-Fixed
Monthly payment	$5,314.62
Purchase price	$800,000.00
Down payment	20%
Discount Point/ Lender Credit	-$186.00
Loan Cost	$5,720.00
Location	Santa Clara County, CA
Fico Score	740+
Monthly income qualified	$12,000.00
Rate Lock	30 days
Property usage	PrimaryResidence
LTV	80 %
First time home buyer	Yes
Lender	AmWest Funding Corp. Wholesale

WE SPECIALIZE IN UNIQUE MORTGAGE SITUATIONS

WHEN OTHERS SAY NO, WE FIND A WAY

Through our extensive lender relationships and specialized expertise, we provide financing solutions for borrowers facing credit challenges, income verification issues, down payment constraints, and other non-traditional circumstances.

Our team excels at finding pathways to approval for clients with unique situations that conventional lenders typically decline.

Testimonials

What Our Clients Say

XuanLan V.

We closed on our first home today after exactly 10 days!!
We were already in contract with a different lender for 2 weeks before reaching out to Nhan when we needed a second option in case something happened. Despite the fact that we might end up staying with the original lender, Nhan got to work immediately on a Friday night and was able to let us know our options. At the end, we were offered even a better rate than before!

Nhan has gone above and beyond to help and guide us through the stressful process of first time home buying. Nhan kept us informed on every step of the way, updated us on the next steps, and was extremely responsive to all of our questions even on weekend.

We cannot thank Nhan and his team enough for being such a joy to work with. We considered ourselves lucky to have known and worked with Nhan. This is the first, but definitely won't be the last!
Sum M.

5 star service - super responsive, helpful and professional! Will definitely come back. Highly recommend the team to everyone.
Trang L.

These professionals are amazing at what they do. They make this hectic experience so easy and fast. I was previously a Bank Of America client for my home financing, I was introduce to Nhan to refinance last year and I would never go back to BOA again. Nhan made sure to assist me to the best of his ability. Answers all my questions thoroughly, returns all my missed calls within a timely manner. Gave his honest feedback and just simply made my life easier.
Thanh N.

when I have a few questions about mortgage interest. My friends introduced Nhân Cao .

He explained in detail to me when the best time to buy a home .

He was very friendly and answered my questions when i need sometimes we went out to eat together. I am highly recommend Nhân Cao for someone looking for the best loan officer in Bay Area .
Hong T.

First Stop Mortgage has a terrific team to work with, extremely knowledgeable and diligent. I worked with Nhan Cao to buy my first house and then asked Nhan & Tri for their help again as I had my re-fi. Nhan and his team helped me from the start to finish. They are immensely professional and responsive with an incredible amount of care and thoughtfulness in their business.
They answered our question timely and assured that we got a low rate from the great lender. They wrote a strong, impressive pre-qualification letter. Nhan also called the sellers agent to assure her that we were qualified buyers and he would process the loan quickly. I definitely recommend friends and family as well as highly encourage anyone looking to purchase or re-fi to work with Nhan Cao at First Stop Mortgage.
Khangg B.

Anh Nhân did great job on helping me secure a loan! I really appreciate your hard work and dedication to finding the best possible options for me. Your professionalism and expertise made the process smooth and stress-free.

Thank you for going above and beyond to ensure my financial needs were met. Thanks again anh Nhân!
Alex W.

Nhan and his team has done a tremendous job to help us applying for loan. This is the first home for me and my fiancé, and we were on a very tight schedule of closing the deal with a reasonable rate. Nhan started working on the application the same day we contacted him and we were able to close with a great rate within 10-14 days.

Nhan is very detail oriented and guided us throughout the process. It is a pleasure to work with him and his team!

Highly recommended!
Tuan V.

I have a fantastic experience working with Nhan from First Stop Mortgage! As a first time home buyer in a highly expensive and competitive market like San Jose, I was nervous at first about getting a loan for my dream home and whether I was qualified or not. Nhân made the whole process go buttery smooth. He is extremely intelligent and professional.

He really worked hard to help me find the best lenders with the best rates and conditions. With his help and some luck, I finally found and successfully purchased my dream Evergreen home and would not be able to do so without him. I am forever grateful for his service and commitment to deliver the best results possible for his clients.

If you are looking for a highly trustworthy, intelligent and capable loan officer, your search is over!!! Nhân is that loan officer you been looking for. Highly highly recommended!!!!
M L.

I love the services at First Stop Mortgage. I was told by another office that I had to pay $3,000+ to get the rate I wanted. A friend referred me to First Stop Mortgage. Nhan and Tran were so nice, kind, detailed, efficient and professional. They explained the process as we progressed. They promised the rate I wanted with no fee no cost. They closed my case in about two weeks, and as they promised, no fee no cost. I highly recommend First Stop Mortgage! Have to try their services to believe! Thank you Nhan, Tran and your team for your wonderful services!!!
Kevin N.

Refinanced my home loan with Nhan 2 months ago. He worked with full dedication and honsty to make sure I get what I deserve based on my profile. We had a little problem during the process, but Nhan was always there to help, this is a massive honor to me than Nhan can helped me with my property. Finally I got a low interest rate for my home and very exited to be working with him. Definitely recommend him to my friends and family if anyone needs a mortgage bro. An amazing person whose always be there to help someone.
Kev W.

Today, I signed the paperwork and closed the loan process. It's a joy on the last day of the year.

I had a horrible experience with Wells Fargo for the pre-approval, underwriting, lender. But my life has changed since I found FIRST STOP MORTGAGE.

FIRST STOP MORTGAGE was referred by a friend who worked with the company before and had a smooth transaction so I didn't need to shop around a lot and was confident to get my application approved after the first evaluation.

My mortgage application is more complicated than normal, but Nhan - the entrepreneur and owner of the company - solved any problems or issues that we faced during the process. Our loan processer Leon Thai followed through with this case. He checked every step along the way to make sure that I didn't miss anything. He's a great contact between the client and lender to update any progress. Our mortgage loan has been approved on time even though there's ton of work in the process.

I recommend you get in touch with Nhan or his team for your loan process or refinance. It will be an easy process for you. The team has filed many cases.
Thinh P.

As a first time buyer, Nhat helped us through the process and always picked up the phone whenever I had any questions. He explained everything in detailed and answered all our questions about the home buying process. He gave us multiple options for home insurances so that we can pick the insurance policy best for us. He went above and beyond and helped us closed our house in 2 weeks. It was a great experience working with Nhat and thank you so much for helping us get our first house!
Twin

Nhan Cao recently helped me close a loan in 20 days with a very competitive rate. Nhan is vey fast, knowledgeable and professional. He took the time to thoroughly explain all my options and answered every question I had with patience and clarity. I would highly recommend his service to anyone in need of a loan officer, especially first home buyers like me.

Thank you, Nhan and First Stop Mortgage team, for your outstanding service and support!
Marc S.

They gave me the best rate at the lowest cost with no hassles and a professional communication and document submission process.
Tran T.

I am very thankful for Nhat's professional, responsive and honest assistance with the whole mortgage process from beginning to end. He made himself available to me via any method of my choice - email, business phone or cell phone, which I appreciate and took advantage of it. Nhat even stayed in touch with me during weekend. I am grateful for all Nhat's work that he devoted to our purchase of this home.
Anna D.

Had a couple of questions in regards to mortgage & Nhan Cao was awesome! Answered all of my questions & was always available whenever I needed to chat about something. Super friendly & provides the best service.

If you ever need assistance with mortgage and need a second opinion or advice on what to do, Nhan is your go-to person!
Daphne M

We just closed on our house and it's all thanks to Nhan! He has been amazing to work with from the moment I first reached out to now. We actually started working with a different broker when we got under contract, but ran into issues in underwriting 2 weeks before we were supposed to close. I scrambled to find someone else and am so glad that person was Nhan. He helped us to get conditional loan approval in ONE DAY. I couldn't believe how fast and smooth the process was. Nhan is knowledgeable, honest, detail-oriented, and above all communicative. His responsiveness to texts and calls put my mind at ease in such a stressful situation. I really appreciate the level of support he provides his clients, and will definitely contact him for any future purchases we make.

I'd also like to call out that he was able to help us lock in one of the best interest rates compared to other brokers I inquired with. Thanks Nhan!
Channel A.

Nếu nh không có lần tình cờ inbox hỏi anh Nhân 1 số câu hỏi thì tới bây giờ tôi vẫn cha refinance xong khoản vay của mình vì lúc đó tôi đã có Loan broker của riêng mình nhng họ bảo tôi chờ vì case của tôi cha đủ điều kiện.

Nhng khi tôi trao đổi với anh Nhân thì tôi thấy case của tôi là bình thờng, chẳng những vậy anh còn lock đợc rate tốt cho tôi, đúng là không gì là không thể và không thử sẽ không biết. Cảm n anh Nhân và Trí rất nhiều vì đã tận tâm giúp em trong thời gian ngắn đã đóng đợc hồ s của em.

Nếu mọi ngời đang tìm cho mình 1 Loan broker thì hãy liên hệ với anh để đợc phục vụ tận tình chu đáo và chuyên nghiệp.
Puk L.

Came here to ask about pre-approval for my first home purchase. Nhan did a good job in explaining every single questions me and my husband had. The appointment last over an hour. We came here with no knowledge about mortgage and thanks to Nhan, we could understand more about the long process we are going to go through.
Highly recommend and I will come back to do finance for my house purchase.
Phuong Vi L.

This review is for Nhan. He helped me qualify my very complicated loans when all the other loans agent around the bay area deny my case and said "no I cant help you, or I can help you BUT the interest rate will be 10%+".

Nhan is an awesome guy, he is very knowledgeable, he know exactly what he is doing and always double check everything before he tell you the answer to your questions. He also able to close my loans very quick. I couldnt own my house with a low rate without him.
I will recommend him to every person I know who is need help with a loans
Trust me you are in a good hands.
Sang D.

After carefully reviewing other lenders, I decided to go with First Stop Mortgage for my home mortgage loan as they provided the lowest rate among others. Not only that, they were able to close the loan in just little bit over a week, making the whole process a lot smoother and faster than I ever expected.

Highly recommended!!!
Thao N.

Best time to refinance and my main contact is Nhan Cao, my trusted loan officer.

I've known Nhan long time ago since he was branch manager at another company. As first time home buyer, no experience at all, buying new home made me feel nervous with too many paper work and didn't know where to start, but after talking with Nhan, he explained to me the pros and cons of my scenario, and followed up with me every single step. The process was really smooth and he was always available for any question we had. We got our primary home with peace in mind and positive experience.

If I could I would give him more stars for his professional, knowledgeable, patient, responsive and honest. Thank you for getting us dream home! Wish you lots of success and best in your career.
Kim D.

I've completed 2 successful files with Nhan & Nhat. These guys are top-notch professionals. 1 of 2 files has had a lot of complications (rental house flooded + surprise 'lis pendens' on title); yet, Nhat has diligently moved it gainfully forward with a persistency like that of Sisyphus pushing a rock up-hill. These guys have even worked during the weekends and provided valuable advise during my house searching process. If you're looking for efficient, reliable, and intelligent finance experts that are always on your side, you've found them.
Thao H.

Thank you for helping us to get the loan for our house. We really happy to have a chance to work with Nhan and his team. Let him and his team help you if you don't know where to go.
Qunh Lâm B.

Being a first-time homebuyer can be nerve-wracking but, but working with Ai P. and her team made our experience beyond pleasurable. she and her team were very helpful, accommodating, and really available throughout-taking the time to assist us with any questions or concerns we may have had.
The work extremely fast and we were able to close on our property in no time!
Additionally, the use of the application portal made the process extremely simple and straightforward.
Thank you very much Ai and the team for helping us to close on our first home purchase, we are immensely grateful!
Hieu P.

I worked with Nhan and Tri (Nhan's associate) for both my home refinancing.

They close the loan very fast, and have the best rates among a few brokers. I highly recommend them.