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Nice to meet you! My name is,

Damien Ha

Mortgage Loan Officer
NMLS#: 239025

Self-Employed & Complex-Income Specialist • 30+ Years Experience

Hello, welcome to my page.

I help buyers statewide secure smart financing solutions, especially in Los Angeles, San Diego, Charlotte, Raleigh, and Atlanta. With 30+ years of experience—and deep expertise in complex income files—I specialize in self-employed borrowers, advanced purchase lending, and refinance strategies.

I break down complex financial situations quickly and communicate proactively. Clients and agents trust me because I prepare applications thoroughly and guide every step with clarity.

Curious, driven, and constantly learning, I bring leadership and confidence to every transaction.

Licensed in California, Georgia, Maryland, North Carolina, Virginia
Second language: Vietnamese

All-in-One Solution

Our Loan Process...

PRE-QUALIFY

A loan prequalification sets you up for a smooth home buying experience.

SHOP

Start working with a real estate agent and viewing homes.

LOAN APPLICATION

A few documents are needed to get a loan file through underwriting.

LOAN PROCESSING

Assemble all the necessary paperwork and details for the underwriter.

UNDERWRITING

They closely evaluate all the documentation in the loan package.

CLOSING

Documents are drawn and sent to the title company for closing.

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