My career in the mortgage lending business began in 1998, shortly after graduating from UC Santa Barbara. Afterwards I started my own brokerage company, Equity Smart Home Loans. The last fifteen years of paving the ground in the mortgage business has made an expert with many mortgage programs in the loan industry. using my experience, I have created a great team here at Equity Smart focused on one primary goal: Make buying a home attainable to any motivated (and responsible) borrower.
I am proud to be a member of the Southern California Real Estate Research Council and also a licensed broker from the California Department of Real Estate. I take pride in assisting borrowers make good choices when it comes to buying their home. If you are looking to purchase a home, please contact me or one of my loan officers so we can help you qualify for a mortgage that is right for you. You won’t be disappointed.
I started my career in the mortgage finance industry in 2002 working for a big retail bank. After several years, I left when I saw how often the bank disqualified borrowers from getting a home loan because of strict guidelines. I believe that if you have a dream, then money should not be the obstacle that prevents you from reaching it. That is when I decided to work towards becoming a a mortgage broker. By being a broker, I have the flexibility I need to work with many different types of lenders and find the best loan programs for my clients. With my 14 years of experience, I know what lender guidelines borrowers need to fulfill and the best loan programs for my clients. Each customer has a loan scenario that is unique. By finding the right lender, I am able to meet the specific needs of each of my clients.
I graduated from the University of California San Diego (UCSD) with a BA in Economics and Finance. I speak Korean and English.
I have been in the real estate industry since 2001 and received my real estate broker license 5 years after in 2006. Throughout my professional experience I have worked in several banking institutions. Utilizing these experiences, I know how best to meet my clients’ needs. Over the years I have built a reliable network of professional relationships that help me ensure only the best outcome for my clients. I speak both English and Spanish, have a BA in Business Administration from the University of La Verne, and am currently in the process of getting my Masters in Health Administration (also from University of La Verne).
Give me a call and let me know how I can help you reach your goals of home-ownership.
I have been in the real estate industry for 10 years working as a mortgage consultant. My expertise is understanding the underwriting process to help educate my customers when qualifying for a home loan. I can help pre-approve you for a loan before you start searching for a home, allowing you to find a home that is within your budget. And because we work with a variety of lenders, I can make sure you are approved for a mortgage that’s right for you. Whether you are a new buyer purchasing your 1st home or a seasoned investor purchasing multiple investment properties, I can help.
I am fluent in Chinese (Cantonese & Mandarin) and I have been actively helping the Asian community for several years. Please contact me any time. I am here to help!
I have worked as a loan officer since 2003. I have closed hundreds of residential mortgages for all kinds of borrowers through vastly different market conditions. I am also a Realtor, landlord, house flipper, and real estate investor. I specialize in first time buyers because I can provide financing as well as keep everything for the buyer under one roof. People like me on Yelp because I am thorough, know the real estate and mortgages inside and out, and love what I do. If you are interested in finding a home or securing financing for one, feel free to contact me. You can also follow me on Facebook or my real estate blog which I update regularly.
An accomplished mortgage and real estate broker, I started working at Equity Smart more than 13 years ago. Throughout my career, I have built a 100% client-referral based network. I provide exceptional customer service, while also offering financial planning, and prioritizing each case in order to obtain financing. I focus on residential and income properties and am an expert in the following loan programs: FHA, VA, Reverse Mortgages.
When dealing with his clients, I take it a step further by providing additional benefits in an after service program, which includes monthly real estate updates and free notary public services. It is no surprise that clients, business associates, and peers recognize me as someone who operates with accountability, outstanding integrity, and great loyalty.
A self-avowed life-learner, Lacy believes education is vital to keeping her knowledge fine-tuned so she can help her clients with what is often their biggest investment – a place to call home. Lacy prides herself on being true to the tagline “The Hardest Working Woman in Mortgage and Real Estate Nationwide,” and none of her clients would disagree with that! Give me the opportunity to serve, and I will be the most powerful and trusted mortgage and real estate ally to ever stand by your side during the transaction and beyond. I consider myself a guardian of homeownership, and I am dedicated to find and protect yours. All I ask is 1% of your trust and the opportunity to earn the other 99%.
Director, Orange County REALTORS®, 2018
Vice Chair, OCR Local Government Relations South Committee, 2018
Member, OCR Local Government Relations South Committee, 2017
Member, OCR Grievance Committee, 2017
Licensed Mortgage Loan Originator
Licensed Life and Health Agent, Executive Retirement Solutions
Notary and Loan Signing Agent
Life provides us with opportunities and it’s up to us to grab hold off them. I was a loan officer for over 6 years when my career was abruptly placed on hold when the real estate collapse occurred. Being resourceful, I decided to reinvent myself and worked on the next thing I knew I enjoyed and became a professional hair dresser. I still kept my self informed of the real estate market and decided to pursue the continuation of my career as a loan officer. I immediately embarked on taking all of the required classes and exams to be reinstated as a loan officer and real estate agent.
I am now a loan officer with an incredible broker, Equity Smart Home Loans, that is approved with over 100 lenders, has in-house counsel, and is licensed in California, Oregon, and Florida. If you are in the market to purchase or refinance a residential or commercial property I would be honored to be of service in assuring you get the right loan to meet your goals.
I am fluent in Spanish. Se Habla Español.
If you are interested in finding out if any loan is right for you, please contact us or fill out our pre-approval form so one of our experienced loan officers can help you evaluate your loan options.