Home Loan Studio · A team at Rize Mortgage

Crafted lending.
Considered service.

Home Loan Studio at Rize Mortgage. Built for the files that don't fit the standard box. Buyer files closed on time, with direct communication and the right program for the deal. Geoffrey Nguyen is your direct contact.

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01 · The studio at work

Three things we do differently.

Most lenders compete on rate. The studio competes on whether the file closes, when, and how clean the path looks to everyone involved. Here's what that means in practice.

Pre-approvals that compete.

We verify income with documents. We verify assets with 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.

Direct communication.

Direct phone, direct email, the same person every time. Milestone updates without you having to ask: Application Started, Conditional Approval, Clear to Close. When something needs attention, you hear about it from us first, with the path forward already mapped.

Programs for the actual file.

Self-employed, jumbo, investor, first-time, DPA, non-QM, bank statement, P&L only, asset utilization, VA, FHA, conventional. The studio handles the file shapes other lenders push back on, and structures them to close. The deal is the craft.

02 · The buyer file, end to end

Four stages. One file.

Every buyer you refer moves through the same arc. You always know which stage they're in and what's next. No black box, no surprise delays.

Apply

Application start

Direct digital application. The 1003 takes about 15 minutes. Income, assets, credit, intent. The borrower can save and return. Once the application is in, the file is ours to work.

Pre-approval

Income, assets, credit, program

We verify income with actual documents, verify assets with bank statements, pull credit, and issue the pre-approval letter that goes with offers. This is the document that wins multiple-offer scenarios for your buyer.

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.

Closing

Disclosure to funding

Cleared to close. Final Closing Disclosure issued three days before signing. Wire fraud protection language goes out with every closing email. Sign at the table. Keys to the buyer. Your transaction closed.

03 · Programs in focus

Files we structure. Often.

Realtors send us complicated files because complicated is what the studio does. Four common shapes are below. The full program list is on the programs page.

First-time buyer

Down Payment Assistance

Chenoa Fund, CalHFA, Arrive Home, and other state-specific programs. Real second-lien structures that cover most or all of the upfront cost. Stack with FHA or conventional financing. Expands your buyer pool to clients who think they can't afford a home yet.

See the DPA programs →

Self-employed

Bank Statement & P&L Only

For business owners whose tax returns show aggressive write-offs that hide real income. We qualify on bank deposits or CPA-prepared P&L instead of tax returns. The same buyer who got declined at a big bank often closes cleanly here.

See alt-doc programs →

Investor

DSCR

Debt-Service Coverage Ratio loans for investors buying rental property. Qualification runs off the property's projected cash flow, not the borrower's personal income. No tax returns required. Closes the way a portfolio investor needs it to close.

See DSCR details →

High balance

Jumbo

Above conforming limits. Considered underwriting for high-balance buyers in high-cost markets and second-home files. Rates often competitive with conforming. The studio's relationships span multiple jumbo investors, which means options when the file is complex.

See jumbo details →

04 · The journal

Notes from the studio.

Short pieces on rates, programs, niche products, and the parts of the mortgage side that matter when you're trying to close a transaction.

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. The file is worked by the same loan officer from application to closing.

Geoffrey Nguyen

Branch Manager · NMLS# 485491

Direct line (760) 608-9941

Direct email Geoff.Nguyen@homeloanstudio.com

Licensed in AZ · CA · FL · IL · NV · TX

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