The Studio A team at Rize Mortgage  ·  Plantation, FL  ·  Your direct contact: Geoffrey Nguyen
Direct(760) 608-9941 · Geoff.Nguyen@homeloanstudio.com
Home Loan Studio · A Team at Rize Mortgage Start a conversation
Home Loan Studio  ·  A team at Rize Mortgage

Your file
starts here.

Home Loan Studio at Rize Mortgage. Built for the files that don't fit the standard box. Direct conversations with Geoffrey Nguyen, programs structured for your actual situation, and a path to closing that you can plan against.

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01  ·  What you can expect

Three things we do differently.

Most lenders compete on rate. The studio competes on whether your file actually closes, when, and how clean the path looks for you. Here is what that means in practice.

01
A pre-approval that wins.
We verify your income with your documents. We verify your assets with your statements. We pull credit and review against the loan program before the letter goes out. Listing agents see the difference between a file that's been worked and a system-generated number. When offers tie on price, the seller picks the file least likely to fall apart.
02
One person. One number.
Direct phone, direct email, the same loan officer from application to closing. No hand-off to a processor at week two. Geoffrey is the person on day one and the person at the closing table. Milestone updates at every named stage so you always know where the file stands.
03
Programs for your file.
Self-employed, first-time buyer, jumbo, investor, recent credit event, complex income, gift funds. The studio handles the file shapes other lenders push back on, and structures them to close. Your file is the work. The deal is the craft.
02  ·  Your file, end to end

Four stages. One file.

Every loan moves through the same arc. You always know which stage you are in and what is next. No black box, no surprise delays.

01
Apply
Application start
The application takes about 15 minutes. Income, assets, credit, intent. You can save and return. Once your application is in, the file is ours to work.
02
Pre-approval
Income, assets, credit, program
We verify your income with actual documents, verify your assets with bank statements, pull credit, and issue the pre-approval letter that goes with your offers. This is the document that wins multiple-offer scenarios for you.
03
Under contract
From accepted offer to clear-to-close
Submitted to underwriting. Conditional approval issued with a defined list of remaining items. We clear conditions on a timeline you can plan against, and we tell you the moment anything could affect the close date.
04
Closing
Disclosure to funding
Cleared to close. Final Closing Disclosure issued three days before signing per federal rules. Wire fraud protection language goes out with every closing email. Sign at the table. Keys to you. Your file closed.
03  ·  What we run

Programs for your file.

Four of the most common file shapes the studio handles. The full program list is on the programs page.

First-time buyer
Down Payment Assistance
You think you cannot afford a home because the down payment is out of reach. Most first-time buyers in that situation actually can buy now, with the right DPA program covering most or all of the upfront cost. Chenoa Fund, CalHFA, Arrive Home, and more.
Down payment options →
Self-employed
Bank Statement & P&L Only
You run a business that writes off enough that your tax returns understate your real income. A traditional lender's denial does not reflect what you actually earn. We qualify on bank deposits or CPA-prepared P&L instead of tax returns.
Self-employed programs →
Investor
DSCR
You are buying rental property for cash flow. Debt-Service Coverage Ratio loans qualify on the property's projected rental income, not your personal income. No tax returns required. Closes the way a portfolio investor needs it to close.
DSCR details →
High balance
Jumbo
You are buying in a high-cost market or a second home where the loan amount exceeds the conforming limit. Considered underwriting for high-balance files. The studio works multiple jumbo investors, which means options when your file is complex.
Jumbo details →
04  ·  The journal

Notes from the studio.

Short pieces on rates, programs, the buying process, and the parts of mortgage that don't get explained well anywhere else.

05  ·  Your direct contact

One person.
One number.

Working with the studio means working with Geoffrey. Phone goes to a phone. Email goes to an inbox that gets read. Your file is worked by the same loan officer from application to closing.

Geoffrey Nguyen
Geoffrey Nguyen
Branch Manager  ·  NMLS# 485491
Direct line (760) 608-9941
Licensed in AZ  ·  CA  ·  FL  ·  IL  ·  NV  ·  TX
Start a conversation Book a 15-minute call