Dat Nguyen, Certified Mortgage Advisor at Everyday Lending, understands that no two borrowers are alike. Whether you’re purchasing your first home, refinancing your current mortgage, or investing in California real estate, Dat offers flexible home loan solutions, competitive rates, and honest guidance you can trust. He’s here to make the process simple, personal, and focused on what matters most to you.
Whether you are buying your first home, growing your real estate portfolio, or exploring creative solutions as a self-employed borrower, Dat Nguyen delivers clear advice and tailored mortgage solutions that match your goals. With a deep understanding of today’s home loan options and a commitment to making the process smooth, Dat helps clients feel confident every step of the way.
A great fit for buyers with solid credit, steady income, and a down payment, these traditional mortgages offer competitive rates and flexible terms. Ideal for primary residences, second homes, or even investment properties, Dat Nguyen helps you make the most of these straightforward financing options with expert guidance and a clear, stress-free process.
Buying your first home can feel overwhelming, but with the right support and down payment assistance (DPA) programs, it becomes far more achievable. Dat Nguyen helps first-time buyers access grants, credits, and low-entry-cost options tailored to their situation. With clear advice and a step-by-step approach, you can move forward with confidence and buy your first home sooner.
Backed by the Federal Housing Administration, these loans are perfect for first-time buyers or those with less-than-perfect credit. With low down payment options and flexible guidelines, they make homeownership more accessible. Dat Nguyen helps you understand the benefits and requirements, guiding you through a smooth approval process tailored to your unique financial situation.
Built to serve veterans, active-duty military, and eligible spouses, these government-backed mortgages offer major benefits like no down payment, no private mortgage insurance, and highly competitive rates. Dat Nguyen helps you take full advantage of your VA entitlement, ensuring the process is respectful, efficient, and aligned with your service and homeownership goals.
Ideal for luxury homebuyers and those purchasing in high-cost markets, these loans exceed standard conforming limits and often require strong financials. Dat Nguyen helps you qualify with confidence, offering clear guidance through the process. Whether you’re upgrading or investing in a premium property, he ensures your jumbo financing fits your goals without unnecessary hurdles.
Designed for business owners, freelancers, and independent contractors, these mortgage solutions use bank statements, 1099s, or asset documentation to verify income. If your tax returns don’t tell the full story, Dat Nguyen helps you qualify based on real cash flow. With the right approach, securing financing as a self-employed borrower can be straightforward and stress-free.
These flexible mortgage options are perfect for self-employed buyers, real estate investors, and those with non-traditional income or credit challenges. NQM loans don’t follow standard lending rules, which allows for creative financing based on your true financial picture. Dat Nguyen helps you navigate these alternative solutions with confidence, so you can move forward without delay.
Perfect for self-employed borrowers and business owners who don’t show traditional income on tax returns, these loans use personal or business bank statements to verify income. With no need for W-2s or pay stubs, Dat Nguyen helps you qualify based on your true earnings, making it easier to secure financing that reflects your actual cash flow.
Designed for real estate investors building passive income or expanding their portfolio, these financing options support the purchase of rental homes, multi-units, or short-term rentals. Whether you’re focused on cash flow or long-term appreciation, Dat Nguyen offers expert advice to structure the right loan. With flexible terms and strategic insights, you can grow your investments with confidence.
These loans are ideal for non-US citizens and foreign nationals who want to buy property in the United States. With flexible documentation and ITIN-based financing, Dat Nguyen helps international buyers and newcomers access the mortgage solutions they need. Whether for a vacation home or investment property, he makes the process clear and achievable from start to finish.
Whether you’re looking to lower your rate, reduce your monthly payment, or pay off your mortgage faster, refinancing can be a smart move. Dat Nguyen helps homeowners evaluate their options and time the market for maximum benefit. With expert guidance and a clear process, you can refinance with confidence and make your mortgage work better for you.
Turn your home equity into cash with a refinance that gives you funds for home improvements, debt consolidation, or other major expenses. A cash-out refinance replaces your current mortgage with a new one at a higher amount. Dat Nguyen helps you access the value you’ve built, while ensuring the terms fit your long-term financial goals.
Whether you’re building from the ground up or remodeling your current home, these loans provide financing based on the future value of the property. Ideal for homeowners, investors, and buyers of fixer-uppers, Dat Nguyen helps you structure the right solution. With clear guidance and smart planning, you can create the space you want without financial stress.
Perfect for buyers in eligible rural and suburban areas, these government-backed loans offer zero down payment, affordable rates, and flexible credit requirements. Designed to support low-to-moderate income households, they make homeownership more accessible outside major cities. Dat Nguyen helps you confirm eligibility and navigate the process, making it easy to secure financing where you want to live.
A smart option for homeowners aged 62 and older, reverse mortgages let you access home equity without selling or making monthly mortgage payments — or even buy a new home. Whether you’re supplementing retirement income or covering major expenses, Dat Nguyen provides clear, honest guidance so you can make informed decisions with long-term stability in mind.
Dat Nguyen, Certified Mortgage Advisor at Everyday Lending, delivers expert home loan solutions with a focus on care, clarity, and personalized service. Licensed in California, Dat is committed to making the mortgage process smooth, stress-free, and tailored to each client’s unique goals.
Whether you’re a first-time homebuyer, looking to refinance, or exploring investment opportunities, Dat Nguyen provides competitive loan options, clear communication, and trusted guidance—helping you confidently move toward your homeownership goals.
Licensed in CA
From first-time homebuyers to seasoned investors, we offer a wide range of Home Loan and Mortgage solutions designed to meet your unique needs. Discover competitive rates, flexible terms, and expert support to help you achieve your homeownership goals.
From first-time homebuyers to seasoned investors, we offer a wide range of Home Loan and Mortgage solutions designed to meet your unique needs. Discover competitive rates, flexible terms, and expert support to help you achieve your homeownership goals.
Dat Nguyen brings a clear, honest, and practical approach to every mortgage conversation. Whether you’re a first-time buyer, seasoned investor, or self-employed borrower, he takes time to understand your goals and explain your options in plain language. With access to a wide range of home loan solutions and a deep understanding of the lending process, Dat makes financing feel less like a hurdle and more like a strategy. You won’t just get a loan — you’ll get a trusted guide.
Not sure which loan fits your needs, how much you can afford, or what paperwork you’ll need? Dat Nguyen breaks it all down in simple terms so you can move forward with confidence. Explore these common questions to get clarity — and reach out any time for personal guidance.
A conventional home loan is a mortgage not backed by a government agency, such as the FHA, VA, or USDA. These loans follow the guidelines set by Fannie Mae and Freddie Mac and are ideal for borrowers with strong credit, reliable income, and stable employment history. Conventional mortgages can be used for a variety of property types, including primary residences, second homes, and investment properties. They are available in fixed or adjustable-rate terms and may require private mortgage insurance (PMI) if the borrower puts down less than 20 percent. Because of their flexibility and lower long-term costs, conventional home loans are one of the most widely used mortgage products in the U.S.
VA Loans are available to active-duty service members, veterans, and eligible surviving spouses. To qualify, you’ll need a Certificate of Eligibility (COE) from the VA, meet credit and income requirements, and plan to use the home as your primary residence.
An FHA home loan is a government-backed mortgage insured by the Federal Housing Administration, created to help make homeownership more accessible for buyers with lower credit scores, smaller savings, or limited financial history. These loans are especially popular among first-time homebuyers due to their low down payment requirements — as little as 3.5 percent — and more flexible underwriting standards. FHA loans can be used to purchase or refinance a primary residence, including single-family homes, condos, and certain multi-unit properties. While FHA loans do require mortgage insurance premiums (MIP) for the life of the loan, they open doors for buyers who may not otherwise qualify under conventional lending guidelines.
FHA home loans are ideal for buyers who need affordable entry into homeownership, especially those with credit scores below 700, or who don’t have a large amount saved for a down payment. With more forgiving debt-to-income ratios and options for gift funds or down payment assistance, these loans remove many of the common roadblocks new buyers face. They’re also a smart choice for those rebuilding credit or transitioning from renting to owning. Dat Nguyen helps borrowers navigate FHA eligibility, documentation, and approval so they can purchase a home with confidence and clarity, even if their financial profile doesn’t fit the traditional mold.
A VA home loan is a government-backed mortgage guaranteed by the U.S. Department of Veterans Affairs. It’s designed to help veterans, active-duty service members, and some surviving spouses buy, build, or refinance a primary residence with exceptional benefits. VA loans offer zero down payment, no private mortgage insurance (PMI), and competitive interest rates — making homeownership more accessible and affordable for those who have served. Eligibility is based on service history and other factors, and borrowers will need a Certificate of Eligibility (COE) to apply. VA loans can be used for single-family homes, VA-approved condos, and even manufactured homes if they meet program requirements.
VA home loans provide some of the most generous terms in the mortgage industry. With no down payment required, borrowers can keep more cash in hand. The absence of monthly mortgage insurance also lowers costs over time. Additionally, VA loans have lenient credit requirements, making them accessible even to those with past credit challenges. For qualified veterans or active-duty personnel, this loan honors their service by removing common financial barriers to homeownership. Dat Nguyen ensures eligible clients fully understand their VA benefits and helps them make the most of this powerful home financing tool with respectful, one-on-one support from start to finish.
A jumbo home loan is a type of mortgage used to finance properties that exceed the conforming loan limits set by Fannie Mae and Freddie Mac. These limits vary by location but typically cap around $726,200 in most counties and go higher in high-cost areas like California, New York, and parts of the Pacific Northwest. Jumbo loans are designed for purchasing or refinancing luxury homes, large multi-unit properties, or real estate in competitive markets. Because they are not government-insured or backed by the GSEs, they carry stricter qualification standards, often requiring higher credit scores, larger down payments, and strong income verification.
Jumbo home loans are the right choice for buyers needing financing above standard loan limits — whether you’re investing in a high-value primary home, a second residence, or a multi-million dollar property. With a jumbo loan, you can finance a larger purchase without needing multiple loans or tapping into excessive liquid assets. These loans can offer competitive interest rates and customizable terms when you work with an experienced loan officer like Dat Nguyen. He helps high-income earners, professionals, and self-employed borrowers structure their application to meet stricter underwriting standards, ensuring you secure the financing needed for premium real estate without unnecessary delays.
Self-employed home loans are designed for business owners, freelancers, contractors, and others who earn income outside of a traditional W-2 job. These borrowers often face challenges qualifying for a mortgage using standard documentation, since tax returns can understate actual income due to deductions and write-offs. Self-employed mortgage options may include bank statement loans, profit and loss statement loans, or asset-based underwriting, which allow lenders to evaluate income using cash flow rather than adjusted taxable income. These loans can be used for purchasing a home, refinancing, or even investing in additional properties, depending on the borrower’s financial strength.
Traditional mortgage programs can be limiting for self-employed professionals who don’t fit the typical borrower profile. A self-employed loan allows you to qualify based on your actual income, using business or personal bank statements, 1099s, or P&L statements — rather than relying on tax returns that may not reflect your true financial position. Dat Nguyen specializes in working with entrepreneurs and independent earners, helping them find mortgage solutions that match their income structure. Whether you’re buying your first home or investing in real estate, Dat simplifies the process and structures the loan around your goals, not just your paperwork.
A Non-Qualified Mortgage (Non-QM) loan is a flexible home financing option designed for borrowers who don’t meet the rigid criteria of traditional or Qualified Mortgages (QM). These loans are intended for individuals with non-traditional income, complex financial profiles, or recent credit events. Instead of relying solely on tax returns, Non-QM lenders may use bank statements, 1099s, profit and loss statements, or even asset depletion to verify a borrower’s ability to repay. Non-QM loans are commonly used by self-employed professionals, real estate investors, retirees, and those with high assets but irregular income streams. While they may carry slightly higher interest rates than conventional loans, they offer greater flexibility and access to homeownership or real estate investment for creditworthy borrowers who fall outside the typical underwriting box.
A Non-QM loan gives borrowers with complex or non-traditional financial profiles access to home financing that traditional lenders may decline. If you’re self-employed, earn income from multiple sources, or rely on rental properties, a Non-QM loan allows you to qualify using real cash flow instead of just W-2s or tax returns. These loans are also a powerful tool for real estate investors, foreign nationals, or retirees with high assets but low reportable income. Non-QM loans remove unnecessary barriers and offer flexible terms without compromising loan quality. Dat Nguyen helps structure these loans around your actual financial picture, giving you the freedom to buy or refinance without the rigid restrictions of conventional lending.
Investment property financing is a type of mortgage loan used to purchase or refinance real estate that’s intended to generate income, such as rental homes, multi-unit properties, or short-term vacation rentals. These loans are typically not used for a primary residence. Lenders assess risk differently for investment properties, often requiring a higher down payment, stronger credit profile, and proof of income from current or projected rental revenue. Financing can be structured through conventional loans, DSCR (Debt Service Coverage Ratio) loans, or Non-QM options depending on the borrower’s strategy and documentation. These mortgages are popular among real estate investors looking to build wealth through cash flow and long-term property appreciation.
Investment property loans allow you to grow your real estate portfolio and generate passive income through rental returns. Whether you’re acquiring your first rental property or scaling your investments, these loans provide the leverage needed to expand without tying up your personal cash reserves. Dat Nguyen helps clients structure deals to fit their financial goals, using loan programs that factor in rental income, property performance, and future value. With the right financing, you can improve cash flow, diversify your assets, and unlock long-term equity growth in real estate.
Foreign National and ITIN mortgages are specialized home loans designed for individuals who are not U.S. citizens or permanent residents. These programs allow foreign nationals, non-resident investors, or undocumented immigrants with an Individual Taxpayer Identification Number (ITIN) to purchase or refinance property in the United States. Borrowers typically don’t need a Social Security number or U.S. credit history. Instead, lenders may review foreign credit reports, asset statements, bank references, and passport documentation. These loans are often used to buy second homes, vacation properties, or investment real estate, and down payment requirements may be higher to offset risk.
For international buyers or non-citizens who want to invest in or move to the U.S., these mortgage options provide a practical and reliable way to secure real estate without residency or a traditional credit score. Whether you’re diversifying your global investments, relocating a family member, or planning for the future, these loans offer access to the American housing market with flexible underwriting. Dat Nguyen works closely with international clients, guiding them through document preparation, approval requirements, and closing — making the process simple, legal, and fully transparent from start to finish.
A refinance home loan allows you to replace your current mortgage with a new one — usually to achieve better terms, a lower interest rate, or a different loan structure. Common types of refinancing include rate-and-term refinance, which changes the interest rate, loan term, or both, and cash-out refinance, where you borrow against your home’s equity. Homeowners may also refinance to remove mortgage insurance, switch from an adjustable to a fixed-rate mortgage, or consolidate high-interest debt. The process is similar to applying for a purchase loan, requiring updated income, asset, and credit documentation.
Refinancing can significantly improve your financial position by reducing your monthly mortgage payment, lowering your total interest paid, or accelerating the timeline to pay off your home. It’s also an opportunity to tap into equity for renovations, debt consolidation, or investing — especially if home values have increased. Timing your refinance strategically allows you to lock in a better rate and gain long-term savings. Dat Nguyen helps you evaluate the numbers, compare scenarios, and choose the right refinance strategy so you get the most value with as little stress as possible.
A cash-out refinance is a type of mortgage refinancing that allows you to replace your existing home loan with a new, larger loan and take the difference in cash at closing. The amount you can borrow depends on your home’s current value, your equity, and your credit profile. Homeowners typically use cash-out funds for home renovations, debt consolidation, major purchases, or to reinvest in real estate. This option is only available to borrowers with sufficient equity built up in their home — usually at least 20 percent — and can be structured as a fixed- or adjustable-rate loan.
A cash-out refinance lets you access the equity you’ve built in your home and put it to work without selling your property. It can offer lower interest rates compared to credit cards or personal loans, and it may even reduce your monthly payment depending on your new loan terms. Whether you’re upgrading your home, paying off high-interest debt, or funding a business opportunity, this solution provides a smart, streamlined way to unlock capital. Dat Nguyen ensures you fully understand your numbers, equity position, and long-term goals so your cash-out refinance is strategic — not just reactive.
Renovation and construction loans are specialized mortgage options used to build a new home or renovate an existing property, including major upgrades, additions, or structural repairs. These loans differ from traditional mortgages because they finance both the cost of the home and the planned improvements based on the future appraised value after the work is complete. Common types include construction-to-permanent loans, FHA 203(k) loans, and conventional renovation loans like the Fannie Mae Homestyle. Borrowers usually submit detailed renovation plans, contractor bids, and timelines to qualify. Funds are typically released in stages as the project progresses and inspections are completed.
If you’re looking to build from the ground up, buy a fixer-upper, or modernize your current home, these loans allow you to finance everything under one structured solution. Instead of taking out a separate loan or draining your savings, renovation and construction loans give you the capital upfront to transform the property — while potentially increasing its value. They’re also a great option for investors purchasing distressed homes or families who want to customize their living space. Dat Nguyen works closely with you and your contractor to align your financing with your vision, keeping the project on track and within budget.
A USDA home loan is a government-backed mortgage program offered by the U.S. Department of Agriculture to help low-to-moderate income borrowers buy homes in eligible rural and suburban areas. These loans offer 100 percent financing, meaning no down payment is required, and come with low interest rates and reduced mortgage insurance costs. To qualify, the property must be located in a USDA-designated area and the borrower must meet income and credit guidelines. USDA loans are available as fixed-rate mortgages and are typically used for purchasing a primary residence, not second homes or investment properties.
USDA loans are one of the most affordable zero-down mortgage options available for buyers who qualify. They’re especially helpful for first-time buyers and families who want to own a home outside city limits but lack the upfront cash for a conventional loan. With lower monthly payments and flexible credit requirements, USDA loans make homeownership possible in areas where renting might otherwise be the only option. Dat Nguyen helps clients confirm property eligibility, understand income limits, and navigate the application process — ensuring they take full advantage of this underused but powerful loan program.
First-Time Homebuyer loans and Down Payment Assistance (DPA) programs are designed to help new buyers afford the upfront costs of purchasing a home. These programs may include grants, forgivable second loans, or low-interest assistance loans that help cover your down payment, closing costs, or both. Eligibility typically depends on your income, credit profile, and whether you’re purchasing a primary residence. Many DPA programs are offered through state housing finance agencies or local governments, and can often be layered with FHA, VA, or conventional loan products. These programs are especially valuable for buyers who are financially ready for homeownership but haven’t saved enough to cover initial costs.
If you’re ready to buy but struggling to save for a down payment, these programs make homeownership much more accessible. They reduce or eliminate the upfront cash needed to close, often without adding a significant monthly cost. This allows buyers to move forward without years of saving or tapping into retirement accounts. Dat Nguyen helps first-time buyers understand what they qualify for, connect with local DPA resources, and structure the loan so that it fits both their financial situation and long-term goals. With the right combination of assistance and lending, your path to homeownership becomes not only possible, but practical.
A reverse mortgage is a loan program available to homeowners aged 62 or older that allows them to convert a portion of their home equity into tax-free cash without having to sell their home or make monthly mortgage payments. The most common type is the Home Equity Conversion Mortgage (HECM), which is insured by the Federal Housing Administration (FHA). Funds can be received as a lump sum, line of credit, or monthly payments. The loan is repaid when the homeowner sells the home, moves out permanently, or passes away. Reverse mortgages can also be used to buy a new home, often with no monthly mortgage obligation, which makes them a unique option for retirees relocating or downsizing.
Reverse mortgages offer financial flexibility and peace of mind for older homeowners who want to supplement retirement income, pay off existing debts, or cover medical and living expenses — all while remaining in their home. They also provide a way to access cash without triggering new monthly bills or liquidating retirement accounts. In some cases, they allow aging homeowners to move closer to family or into a more suitable property using a reverse purchase loan. Dat Nguyen helps you and your family understand the full picture — including benefits, costs, and long-term impacts — so you can make an informed and confident decision about how to use your home equity in retirement.
Everyday Lending Group offers personalized mortgage solutions, fast and accurate quotes, competitive rates, and exceptional service delivered with integrity.
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