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Vera Chang
Vera2009年来美，先后在纽约州、北卡州、华盛顿特区和弗吉尼亚州生活过, 她跟房地产的结缘还要从2005年开始说起。
Vera的来美和贷款之路
2005年，Vera本科毕业于中国土木建筑领域的顶尖院校同济大学，后进入房地产投资硕士专业学习并留学于德国，回国后担任上海保利地产投资管理经理，参与了多个上海大型楼盘项目重要的投资决策和土地招投标。
2009年Vera进入约翰霍普金斯大学（ Johns Hopkins University）攻读金融科学专业。毕业后，她先在一家对冲基金公司工作，后进入Capital One银行总部从事利率风险管理，房屋贷款抵押证券（Mortgage-Backed Security aka MBS) 评估和风险分析。
Vera从事贷款经纪是一个偶然的契机。她身边很多的朋友们都发现，Vera总能给他们非常实用有效的投资和贷款方面的建议，Vera自己也非常乐于分享这些方面的经验和心得。于是她离开了朝九晚五，每天做分析、查Bloomberg、做报告的生活，开始了自己热爱的职业贷款经纪生涯。
有了房地产、会计、金融、利率风险、MBS的全方面知识储备，Vera凭借自己的专业和一贯做事认真负责的态度在短短几年间迅速获得了很多合作伙伴和客户的信赖。
贷款工作必须具备强大的沟通能力。Vera的客户群中有在高校任职的教授、企业职员、读PHD的学生、经营餐馆、美容店、美甲店的小商业主等各种职业的人群，无论面对谁，每当遇到问题，Vera都能做到一视同仁地给与耐心认真又细致的讲解，从早上8点到晚上10点，Vera都及时而高效地回复着客户的各种询问。
为了满足客户的需要，Vera陆续取得了美国东部地区多州和美国西部加州的贷款执照。2022年初，Vera离开了本部位于纽约的Grayton Mortgage，佛州的Cathay Mortgage，加入了总部位于加州、足迹遍布47个州的GMCC万通贷款。跟broker不同，万通贷款不仅是direct lender，而且还是房利美房地美的直接合作方，依托这个强大的平台和丰富的贷款资源，Vera可以为客户提供从普通贷款、到大额贷款、再到不查报税收入贷款超过100多种贷款解决方案，其中包括unlimited DTI、适用于没有信用历史的外国人和新移民的独一无二的项目。
最具竞争力的利率
贷款是个非常繁琐的过程，正式预审一个客户的贷款资格，需要看收入、资产等各方面的信息，很多贷款经纪在简单询问几个问题之后就会开出贷款预批，Vera却不怕麻烦，在做预批时尽心做足功课，想好就为客户想好利率最低、最经济的贷款方案，而不是只挑对贷款经纪来说最省时省力、最有利可图的项目。除此之外，曾经好多次，贷款过程中市场利率经历了较大调整，即使客户并没有跟Vera联系，Vera也向公司申请了特批，将客户的利率在没有额外费用的情况下降低了0.5%。而在特批申请成功之后，Vera才将这个好消息告诉客户。整个过程中， Vera和团队的工作量增加了，过户时间缩紧了，但是Vera和她的团队秉承提供VIP贷款服务，把客户的利益放在第一位的理念，一直不遗余力地在尽心争取客户利益最大化。
Vera贷款的VIP服务
口碑是靠一次一次成功、按时的过户积累起来的。Vera的客户和合作伙伴除遍布大华府地区、南北卡、乔治亚、佛罗里达、加州外，还有众多加拿大、国内买家，特别是跨国买家。能找到一个可靠的、把所有事宜安排妥当、飞机、陆上交通、过户时点都保证无缝衔接的贷款经纪非常不容易，而Vera都做到了，每一次交易都给各方参与者留下深刻的记忆，甚至有建商的销售部把Vera当作他们最可靠的外部贷款经纪人。
谈到与建商的关系，Vera与许多知名建商－如Pulte、Tolls Brother、Jones、DR Horton等愉快合作过，皆给他们留下了非常深刻的印象。不仅因为她的出色业务能力多次挽救了被建商贷款拒掉的贷款，还因为她的独特的清晰、幽默的沟通方式。良好的合作关系曾多次挽救危机。Vera曾经在一位客户跟建商谈判即将破裂时，帮他争取了多达3周的延迟过户，还免去了上万的延迟罚款。
Vera专注用心地为客户挡风遮雨
选择贷款经纪，客户选择的并不仅仅是一个利率，而是一把抵御未知风险的保护伞。把贷款当作一份事业，Vera专注用心在为客户挡风遮雨，因为每一个客户对于Vera而言都是一位老友。忙碌之余，Vera最开心的莫过于大多数客户在结束30天紧张的贷款过程之后还会时不时联系Vera，跟她聊聊目前的生活和状况，一起在房地产投资领域学习，一起成长！
Client Success Story:
Smart Jumbo Loan Strategy: Turning a High DTI Into a Closed Deal
Client Profile
A seasoned California-based investor with a full-time W-2 income and an impressive real estate portfolio, including ownership of 10 additional investment properties.
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Closing Date: October 21, 2024
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Loan Amount: $2,000,000
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Loan-to-Value (LTV): 75%
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Loan Type: Jumbo Loan
The Challenge
The client faced a significant obstacle: a high debt-to-income (DTI) ratio driven by multiple existing mortgages, including one on their departing residence. In addition, many lenders limit the number of allowable financed properties, further complicating the approval process for experienced investors like this client.
Our Solution
Rather than treating the DTI as a disqualifier, we took a strategic approach. By applying an asset depletion income strategy, we leveraged the client’s overall financial strength—beyond just their salary. We then matched them with a jumbo loan program that allows up to 20 financed properties, one of the few in the market. To top it off, we secured a below-market interest rate, giving the client additional room on their DTI calculation.
The Result
We successfully navigated underwriting and closed the $2M loan within 30 days, right on schedule. This case is a testament to the power of creative financing solutions and a deep understanding of investor lending guidelines.
Vera Chang NMLS# 2158666
Branch Manager | General Mortgage Capital Corporation (GMCC)
📍Licensed in over 23 states | Specializing in Jumbo, Non-QM, and Investor Loans
📞 571-677-5515 | 347-688-9191
📧 Vera.Chang@gmccloan.com
www.verachangmortgage.com
Successful Non-QM Mortgage Solution for a Self-Employed Buyer in McLean, VA
Client Overview:
A self-employed dentist relocating from out of state to McLean, Virginia, faced significant obstacles in obtaining mortgage financing. With just 9 months of work history in his current role and earning 1099 income, he did not meet the strict requirements of traditional mortgage programs. Despite strong earnings, his non-traditional income and limited employment history led to multiple denials from conventional lenders.
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Loan Amount: $600,000
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Loan-to-Value (LTV): 70%
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Property Type: Primary Residence
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Loan Program: Non-QM 3-Month Personal Bank Statement Mortgage
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Closing Date: May 2025
The Challenge:
The borrower had already been turned away by several banks and mortgage brokers. He was living in temporary housing and on the verge of losing a $30,000 earnest money deposit. Time was critical, and standard underwriting guidelines left no flexibility for his unique financial profile.
The Solution:
After discovering Vera Chang, a top-producing loan officer and GMCC’s DMV Branch Manager, through Google and reading numerous positive client reviews, the borrower reached out for help.
Vera immediately recognized that the client was an ideal candidate for a Non-QM (Non-Qualified Mortgage) solution. She structured a bank statement loan using just 3 months of personal bank statements, eliminating the need for tax returns, W-2s, or a full 2-year employment history. Vera leveraged her experience and network to secure an investor exception, fast-track the underwriting process, and lock in a competitive interest rate.
The Result:
✅ Clear-to-close in just 9 days
✅ Earnest money deposit protected
✅ Competitive Non-QM mortgage rate
✅ Client successfully purchased his home and moved out of temporary housing
This successful closing is a testament to Vera’s deep knowledge of Non-QM lending, her commitment to finding creative financing solutions, and her dedication to delivering results—especially when others say no.
Work With a Trusted Mortgage Expert
If you're self-employed, new to your job, or have complex income, don’t let traditional lending rules hold you back. Whether you're buying in Virginia, Maryland, DC, California, or any of the 20+ states Vera is licensed in, she can help you navigate the mortgage process with confidence.
Contact Vera Chang, Branch Manager, NMLS #2158666
📍 GMCC – General Mortgage Capital Corporation
📞 571-677-5515 / 347-688-9191
📧 Vera.Chang@gmccloan.com
www.verachangmortgage.com