San Gabriel · California-licensed mortgage broker
Mortgages for the Life You're Building
Clear Mortgage Guidance for Your Next Chapter
Mortgage solutions for business owners, self-employed borrowers and property investors.
Licensed in California · NMLS #338096 · DRE #01328854 · Equal Housing Opportunity · English / 廣東話 / 普通話
Loan Programs
What would you like to do? Start with your goal, or browse every program.
A starting point for your conversation. Program availability and eligibility require a review.
Second Mortgages
Want to keep your current first mortgage? A second mortgage may let you borrow against your home's equity without replacing that loan.
HELOC
A credit line secured by your home. Borrow as needed during the draw period, up to your available limit, and borrow again as you repay.
Explore HELOC →Closed-End Second Mortgage
Receive a one-time lump sum using your home's equity, then repay it on an agreed schedule. Repaid amounts cannot be borrowed again.
Explore a lump-sum loan →This adds debt secured by your home. If you cannot repay, you could lose your home. Approval, loan amounts and terms depend on your qualifications and property.
Home Purchase Loans
For buying a home in California. Get help understanding your loan options, from the first review through closing.
Learn about Purchase →Refinance
Replace your current mortgage with a new loan. See whether it could lower your monthly payment, change your repayment period, or provide cash from your home's equity.
Learn about Refinance →Non-QM Loans: Alternative Income Documentation
For self-employed borrowers, business owners and other borrowers using alternative income documentation such as VOE, 1099 or bank statements. Eligibility and required documents vary by program.
Learn about Non-QM Loans →DSCR Rental Property Loans
For rental-property investors. Review financing based on rental income and property cash flow, with program requirements confirmed by lender guidelines.
Learn about DSCR Loans →Reverse Mortgage
Explore whether a reverse mortgage conversation may fit your home-equity goals. Requirements, costs, and terms depend on the borrower, property, and lender.
Learn about Reverse Mortgage →Jumbo Loans
For California borrowers who need a larger home loan, above their area's standard mortgage limit, known as the conforming loan limit.
Learn about Jumbo Loans →Foreign National Loans
For eligible overseas buyers, or borrowers with income from abroad or limited U.S. credit history. Ask which mortgage options may fit your situation.
Learn about Foreign National Loans →Non-Warrantable Condo Loans
For condos whose building or homeowners association does not meet standard mortgage requirements. Other financing options may be available.
Learn about Non-Warrantable Condo Loans →Bridge Loans
Short-term loans that may help cover a gap between buying a property and selling another.
Learn about Bridge Loans →Construction Loans
For borrowers building a home, planning a major renovation, or making other property improvements.
Learn about Construction Loans →Rate sheet
Rates as of
Review the dated rate sheet and its assumptions. Your rate and APR depend on credit, loan amount, property and program.
For reference only. Not a commitment to lend or an offer of credit. See the rate sheet for APR, assumptions and loan terms. East Star Mortgage, NMLS #338096.
Google Reviews
“Dale guided me efficiently through pre-approval, property inspection, negotiation for price reduction, and more.”
Alvin Wong · Google review · May 23, 2025
“Dale and the East Star Mortgage team have been great to work with!”
Gary Ma · Google review · 2026
Your mortgage advisor
Dale Woo
Mortgage Broker · East Star Mortgage
Dale helps business owners, self-employed borrowers and property investors compare documentation options, rental-property financing and next steps in English, Cantonese or Mandarin.
NMLS #2322224 · DRE #01888854
Personal guidance
Questions? Text us anytime.
Tell us if you are buying, refinancing, investing, or self-employed. We’ll help you understand the next step.
Plan your next step
Use the right tool, then send us the scenario.
Start with an initial estimate for payment, affordability, DSCR, refinance savings, or bank-statement income. If the numbers look close, send the result and we’ll review the next step with you.
Local Office & Team
Your licensed San Gabriel Valley mortgage broker
Meet with our San Gabriel mortgage team by appointment for clear, personal guidance in English, Cantonese, or Mandarin.
San Gabriel, CA 91776
English / Cantonese / Mandarin support
In-person or virtual meetings by appointment
Let’s Talk
Share your plans with Dale and the East Star Mortgage team. Support is available in English, Cantonese or Mandarin.
- Send the basicsTell us your loan purpose, property city and how to reach you. Do not include sensitive documents.
- Discuss your scenarioThe team can review your goals, questions and the information needed for the next step.
- Explore your optionsReview potential programs, required documents and next steps. Availability and eligibility depend on a full review.
Prefer to call or text? (626) 589-5583
Office hours: Monday to Friday, 9 AM to 5 PM. You can also contact us by WeChat or email.
