Solutions for

Your Loan Needs

We specialize in Residential, SBA loans and Commercial loans. We have 3-2-1 buy down, or 2-1 buy down and for non-QM bank statements and jumbo programs. We have served “Buy without Sell” program for over 5 years. We have down payment assistance, Equity builder, free lender credit up to $15K for qualified borrowers in the qualified counties in Southern California. We do jumbo offer to F1 visa, EAD card borrowers, Non US Citizen program. We guarantee to fulfill your loan needs quickly and reliably.

Cell Phone: 323-855-4568

Email info@margarettsay.com

NMLS Lic # 341943 

CA Insurance Lic # 0M49240

Service Highlights

  • Free Classes

    Free financial education classes for all your investment and financial planning needs and fun classes that brighten your everyday life.

    Classes are conducted in English, Mandarin and Spanish.

    Get Invited

  • $26,000 Employee Retention Credit

    If you have more than 5 W-2 employees during 2020 and 2021, you might qualify for a $26,000 Employee Retention Credit (ERC)

    Learn More

  • Up to $15k Lender Credit

    If you are a qualified resident of Los Angeles, Orange, Riverside, San Bernardino, San Diego, or Ventura, we’ll give you up to $15k free money towards closing cost.

    Check Eligibility

  • Down Payment Assistance

    Down payment money is out there.

    We’ll help you find it.

    Check Eligibility

  • Commercial Lending

    We cover all aspects of business funding with a wide range of solutions. Whether you are an agent exploring new career options or a project owner looking for funding, we invite you to tap into our extensive network today.

    Learn More

Real time, Real rate

Self pre-qualify in 10 minutes

Partner with Us

Whether you’re a real estate professional or just a well-connected individual, we are happy to discuss how to grow wealth together. We can close your clients’ loans faster than any other companies on the market thanks to our proprietary machine-learning software.