Modern Home
Senior Loan Officer

Mary MaSenior Loan Officer

Making homeownership simple and stress-free.

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About Me

I am a seasoned mortgage professional with over 3 years of experience guiding homebuyers through every step of the loan process. I am passionate about transparency, education, and helping families find the perfect financing solution for their dream home.

Stop Dreaming and Start Packing

Get pre-qualified today. It’s the fastest, safest way to shop for your new home with confidence.

Why Prequalify with Us?

  • Shop with PowerSellers take you seriously when you have a letter in hand.
  • Know Your NumbersUnderstand exactly how much house you can afford.
  • Lock It InMove faster than other buyers when you find "the one."

Worried About Your Credit?

  • Don't guess your scoreConsumer apps (like Credit Karma) are often different from mortgage credit pulls.
  • We have optionsYou don't need perfect credit. We have loan products for various situations.

Tip:Don't disqualify yourself! Let us review your specific situation before you decide you aren't ready.

Ready to find out what you qualify for? No obligation.

Start My Free Prequalification

No hard credit pull required to start the conversation.

Today's Best Rates

Updated 04/08/2026

CONVENTIONAL

Product
Term
Rate
Points
APR
30-year 7/6 ARM
30 yrs
5.250%
0.0%
5.350%
30-Year Fixed Conventional
30 yrs
5.625%
0.0%
5.750%
15-Year Fixed Conventional
15 yrs
4.990%
0.0%
5.140%

NON QM

Product
Term
Rate
Points
APR
30-Year 10/1 ARM
30 yrs
6.250%
0.1%
6.350%
30-year Fixed DSCR
30 yrs
6.000%
0.0%
6.180%
04/08/2026 Today's Rates

Rates displayed below are for sample and demonstration purposes only. Real rates may vary depending on credit profile, market conditions, and lender programs.
Contact Mary Ma for personalized rate quotes and current market conditions.

Mortgage Calculator

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Total Monthly Payment

$3,000

Principal & Interest:$2,271
Property Tax:$583
Insurance:$146

Loan Details

Loan Amount:$400,000
Down Payment:$100,000
Total Interest:$417,616
Total Payment:$917,616

Ready to Get Pre-qualified or Free Quote?

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Contact Me

19787273854Click to copy
maryhasalittleloan@gmail.comClick to copy

NMLS ID: 2735806

Languages: English, Mandarin

General Mortgage Capital Corporation (GMCC)

GMCC is a direct mortgage lender and national banker headquartered in California that provides a variety of loan products, including Prime Jumbo, Non-QM, and Agency loans. They have an in-house process for underwriting, documentation, and funding to ensure faster closing times. The company is licensed in 49 states and has strong customer service.

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Company Contact

Licensing

NMLS: 2735806

Branch NMLS: 2543346

Company NMLS: 254895

Equal Housing OpportunityEqual Housing Opportunity

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This page and all information shown are for demonstration purposes only. No real loans, offers, or financial advice are provided.