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JC Financial, Mortgage Lender, Alamo, CA

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At JC Financial, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.

We provide borrowers with superior mortgage solutions and impeccable personal service, closing transactions with the best loan programs in the most efficient manner. We work with more than 50 investors. This allows us to get you the best rates on all types of loan programs including: 30yr mortgage, 20yr mortgage, 15yr mortgage, 10yr mortgage, 1yr ARMS, 3yr ARMS, 5yr ARMS, Conventional, FHA, Jumbo, Home Equity Lines, VA and Commercial. Whether your situation calls for Full Documents, No Documents, Non-Owner Occupied (Investor) or Multi-Family, we'll fit your needs!



Josephine W.K. Chu, CFA
Founder and Broker

Josephine has a clear understanding of the inner workings of the mortgage industry. Her goal is to help borrowers realize their dream of home ownership at the lowest possible total cost by establishing a wide range of lender relationships for the best possible loan program. She believes borrowers deserve to have a dedicated advocate to help them navigate the increasingly arduous loan process and is able to pass through her lower costs as an independent broker to borrowers.

Before founding JC Financial, she obtained a MBA from the University of Chicago and spent over 15 years in the investment management industry. She was a portfolio manager with Scudder Kemper Investments, Barclays Global Investors, and a founding partner of two hedge funds. Josephine now enjoys being a mother of four children while helping clients achieve their dream of homeownership.



Jennifer Dacquisto
Senior Loan Officer

Jennifer enjoys helping her clients meet their financial goals through a collaborative approach.  She has established partnerships with a variety of lenders offering a wider range of products.  She works diligently to get her clients the best possible loan at the lowest possible cost.  

Jennifer has worked in various aspects of the real estate industry for more than 10 years. Prior to joining JC Financial, Jennifer worked as a Director for Westfield Group , owner of the world’s largest international shopping center portfolio, where she was involved in developing and managing two of the company’s premiere shopping centers.  Before her career with Westfield, Jennifer worked for the country’s first privately funded down payment assistance company, Nehemiah Corporation of America.  She began her career working for various investment firms including Robertson Stephens & Co. and Franklin Templeton Investments.  Jennifer lives in San Ramon with her husband John and their two children.  She grew up in the Bay Area and earned a B.A. from Notre Dame de Namur University.


Karen Cavanagh
Senior Loan Specialist

Karen brings her real estate experience to bear on the complicated loan process, making it easier for homeowners and commercial real estate owners to refinance and secure new loans. She works closely with owners to determine the best loan for their needs which involves finding the right loan package, lender and rate. An extensive list of lender relationships makes this all possible but it’s still the quality of personal service which sets Karen apart from the others.

Karen has worked in commercial real estate for the past ten years concluding more than 80 complicated transactions in leasing, sales, land planning, construction management, build-to-suits and government proposals. Her exposure to the commercial loan process from many perspectives makes her an invaluable asset to any owner of commercial property. This understanding translates to residential real estate in terms of understanding how best to present market and financial information to a lender for prompt approval. Prior to real estate, Karen worked with some of the most influential advertising firms in San Francisco including Eleven and AKQA, both at the forefront of digital advertising. Karen’s career in advertising spanned 20 years and she developed the marketing/advertising for more than 60 brands and in 20 categories in several countries.

Karen received her Bachelor’s degree in Semiotics (theoretical communications) from Brown University. She lives in San Ramon with her husband and son.




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                                 CA DRE Lic# 01932402

                                 NMLS# 1062242