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 3 children while helping clients achieve their dream of homeownership.

E-Mail: jchu@jcfinancial.biz

Mark Kress, CFA

Partner and Broker

Mark brings decades of investment experience to offer a transparent consultative approach to the mortgage business.  He works with a variety of lenders with unique product offerings to fit each of his clients specific needs.

Before joining JC Financial, he obtained a MBA from Haas School of Business at UC Berkeley and  spent nearly two decades in equity portfolio and risk management. Most recently he was a Portfolio and Risk Manager for Rydex SGI (Guggenheim Investments) where he co-managed four different investment products. Prior to his recent post he worked in different capacities with a variety of buy-side and sell-side firms delivering risk and investment solutions specific to their needs.  Mark grew up in San Francisco and now resides in Oakland with his wife and two boys.

E-Mail: mckress@jcfinancial.biz