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Licensed in CA & TX · NMLS #2378701

Your loan officer,
in your corner.

Every borrower's situation is different — and finding the right solution takes more than a rate sheet. With an MIT degree in computer science and a background in education, I'm wired to break down complex problems, explain every step clearly, and guide you patiently from first question to closing day.

Start My Application Ask Me Anything
🌺 Aloha-first service
🎓 MIT CS · Tech-savvy
🗣️ English · 普通话 · 廣東話

Julian Yuen is a mortgage loan officer serving home buyers and homeowners in California and Texas. Specializing in first-time home buyer loans, FHA loans, VA loans, conventional mortgages, non-QM loans, bank statement loans for the self-employed, DSCR loans for real estate investors, and refinancing in the Los Angeles area and across Southern California. Fluent in English, Mandarin, and Cantonese. NMLS #2378701. Partnered with Equity Smart Home Loans, NMLS #856170.

Julian Yuen, Mortgage Loan Officer
Julian Yuen NMLS #2378701 · CA & TX
5★ Client Reviews
CA+TX Licensed States
Why Julian

Mortgage the way it
should have always been

After a frustrating first-time homebuying experience myself, I became a loan officer to make the process genuinely better — for everyone.

💬

Always Accessible

Text, call, or email at (805) 394-8379. I respond fast and in plain language — you'll never wonder what's happening with your loan.

🔍

Tech-Backed Process

My CS background means I use technology to keep your loan on track, catch issues early, and close faster than the average timeline.

🌏

Multilingual Support

Fluent in English, Mandarin, and Cantonese — so we can work through the details in whatever language feels most comfortable to you.

🏡

Borrower-First Advice

I'll tell you if now isn't the right time to buy. My goal is your long-term financial wellbeing, not just closing a deal.

Loan Options

Find the right fit
for your situation

🏠

Conventional

Great rates for buyers with strong credit. Down payments as low as 3%.

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FHA

Lower credit score requirements and 3.5% down — perfect for first-timers.

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VA Loans

Zero down for eligible veterans and active-duty service members.

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Non-QM Loans

Self-employed? Investor? Bank statement, P&L, and DSCR loans available.

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Refinance

Lower your rate, tap equity, or shorten your term. Let's run the numbers.

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Home Equity

Tap into your equity with a HELOC or HELOAN — without touching your first mortgage rate.

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Not sure?

I'll help you figure out which loan type fits your unique situation — no commitment required.

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The Journey

From first call
to closing day

01

Free Consultation

We chat about your goals, timeline, and budget. Zero pressure, all guidance.

02

Pre-Approval

I gather your docs and work fast — so you can make offers with confidence.

03

Find Your Home

House-hunt knowing exactly what you can afford. I'm on call the whole time.

04

Close & Celebrate 🎉

I'll be with you right through signing day and beyond.

Quick Estimate

Monthly payment
calculator

Estimate your principal & interest payment in seconds. Taxes and insurance not included.

This calculator is for illustrative and educational purposes only and does not constitute a commitment to lend. Results are estimates based on the information entered and may not reflect actual loan terms. Contact Julian for an accurate quote based on your specific situation.

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What Clients Say

Real people,
real stories

★★★★★

"Julian was quick in his responses and gave frequent updates through both text and email. He really made sure his clients were in the loop of each step which we greatly appreciated."

Zoe
Arcadia, CA · Purchase · Closed Jan 2026
First-time buyer
★★★★★

"Julian ensured we would not only get a loan, he never made us feel like getting a loan was out of reach. He answered our questions on weekends and after hours."

Linda Eom
Los Angeles, CA · Purchase · Closed Nov 2025
★★★★★

"He took the time to answer every question with lightning speed whether it was via email or text. He was such a blessing to my family during this crazy process — could not have done it without him!"

Daria
Los Angeles, CA · Purchase · Closed Nov 2025
First-time buyer
★★★★★

"If you work with Julian Yuen once, you will always want to work with him for future mortgages. He has great communication skills and is very efficient."

Eileen Suh
Azusa, CA · Refinance · Closed Oct 2025
Read All Reviews on Zillow
Get in Touch

Ready when
you are.

Whether you're buying your first home, refinancing, or just exploring your options — reach out. I'll give you an honest answer, not a sales pitch.

📞 (805) 394-8379
📍 Licensed in California & Texas
🏢 Equity Smart Home Loans · NMLS #856170
Start My Application →