Available
Loans that Close. Relationships that Last.
Direct lending up to $10M, Prime Jumbo to Non-QM, with a team that speaks your language
Loan Program
Qualify even as a Foreign National
Buy your U.S. home with no U.S. credit score, income, or employment history required — just strong assets and a down payment that can even be 100% gifted from family.
Loan Program
Self-Employed Programs
Self-employed or a business owner? Qualify using just 3 months of personal bank statements — no tax returns, no W-2s, no profit-and-loss statements.
Loan Program
Buy Without Sell
Secure your dream home now and sell your current one later, so you never have to make a contingent offer or move twice.
Loan Program
Qualify Based on Assets
Finance up to $3 million based on your assets alone — no income verification, no employment check, and no FICO score required.
Active Listings
Homes our clients are closing on
Trusted Partners
Trusted by over 100+
Homebuyers.
“James and his team helped us achieve our goals and worked tirelessly to make it happen.”
Adam S.
Bay Area Homebuyer
GMCC is one of the fastest growing direct lenders in California, specializing in jumbo programs with in-house local underwriting, docs, and funding for extremely efficient turnaround times.
We collaborate with clients to ensure the best terms and solutions that meet their goals and budget.
/01
0+
0+
Verified client reviews on Experience.com
/02
0.00
0.00
Average rating across all reviews
/04
2004
2004
22 years of experience
Trusted Partners
Trusted by over 100+
Homebuyers.
“James and his team helped us achieve our goals and worked tirelessly to make it happen.”
Adam S.
Bay Area Homebuyer
GMCC is one of the fastest growing direct lenders in California, specializing in jumbo programs with in-house local underwriting, docs, and funding for extremely efficient turnaround times.
We collaborate with clients to ensure the best terms and solutions that meet their goals and budget.
/01
0+
0+
Verified client reviews on Experience.com
/02
0.00
0.00
Average rating across all reviews
/04
2004
2004
22 years of experience
Trusted Partners
Trusted by over 100+
Homebuyers.
GMCC is one of the fastest growing direct lenders in California, specializing in jumbo programs with in-house local underwriting, docs, and funding for extremely efficient turnaround times.
We collaborate with clients to ensure the best terms and solutions that meet their goals and budget.
/01
0+
0+
Verified client reviews on Experience.com
/02
0.00
0.00
Average rating across all reviews
/04
2004
2004
22 years of experience
“The communication throughout the loan process was outstanding. I was kept informed every step of the way.”
Sunny W.
Homebuyer
Client Stories
A look at some testimonials from our happy clients (new homeowners!)
Client Stories
A look at some testimonials from our happy clients (new homeowners!)
Client Stories
A look at some testimonials from our happy clients (new homeowners!)
Loan Programs
2x
Business Growth
5x
Conversion Rate
James and his team are very reliable at all times. We have enjoyed working with them for fast efficient homebuying
Michael
Developer
Qualify even as a Foreign National
Buy your U.S. home with no U.S. credit score, income, or employment history required — just strong assets and a down payment that can even be 100% gifted from family.
Foreign National
Loan
/002
Self-Employed Programs
/003
Buy Without Sell
/004
Qualify Based on Assets
Loan Programs
2x
Business Growth
5x
Conversion Rate
James and his team are very reliable at all times. We have enjoyed working with them for fast efficient homebuying
Michael
Developer
Qualify even as a Foreign National
Buy your U.S. home with no U.S. credit score, income, or employment history required — just strong assets and a down payment that can even be 100% gifted from family.
Foreign National
Loan
/002
Self-Employed Programs
/003
Buy Without Sell
/004
Qualify Based on Assets
Loan Programs
2x
Business Growth
5x
Conversion Rate
James and his team are very reliable at all times. We have enjoyed working with them for fast efficient homebuying
Michael
Developer
Qualify even as a Foreign National
/001
Self-Employed Programs
/002
Buy Without Sell
/003
Qualify Based on Assets
/004
We facilitate the signing process from start to end and save you money by choosing the best offer for your situation
Determine your Max Loan Limit
Utilize our tools to find your most manageable monthly payment
End to End Delivery
We documentation, signing, and provide pre-qualification ensuring seemless loan funding and closing.
Clear Communication
Transparent timelines, realistic budgets, and regular updates at every stage.
Guaranteed Client Satisfaction
GMCC stands out among California lenders with competitive rates, flexible programs, and in-house underwriting that keeps closings on schedule.
Long Term Focus
Mortgage solutions catered to your unique financial situations and goals
We facilitate the signing process from start to end and save you money by choosing the best offer for your situation
Determine your Max Loan Limit
Utilize our tools to find your most manageable monthly payment
End to End Delivery
We documentation, signing, and provide pre-qualification ensuring seemless loan funding and closing.
Clear Communication
Transparent timelines, realistic budgets, and regular updates at every stage.
Guaranteed Client Satisfaction
GMCC stands out among California lenders with competitive rates, flexible programs, and in-house underwriting that keeps closings on schedule.
Long Term Focus
Mortgage solutions catered to your unique financial situations and goals
We facilitate the signing process from start to end and save you money by choosing the best offer for your situation
Determine your Max Loan Limit
Utilize our tools to find your most manageable monthly payment
End to End Delivery
We documentation, signing, and provide pre-qualification ensuring seemless loan funding and closing.
Clear Communication
Transparent timelines, realistic budgets, and regular updates at every stage.
Guaranteed Client Satisfaction
GMCC stands out among California lenders with competitive rates, flexible programs, and in-house underwriting that keeps closings on schedule.
Long Term Focus
Mortgage solutions catered to your unique financial situations and goals
Mortgage Calculator
Estimate your monthly payment — principal, interest, taxes, and extra costs — before you apply.
▾Extra Costs
Clients
308 Reviews on Experience.com
Trusted by over 100+
Homebuyers.
4.87
Average Client Rating
The team were all extremely responsive and helpful during the transaction process. My questions were always answered quickly, and the team was able to adapt to my requests. I would like to work with them again.
Wakana L.
HomebuyerThe communication throughout the loan process was outstanding. I was kept informed every step of the way, and any challenges were addressed quickly and effectively. The entire process was smooth.
Sunny W.
HomebuyerGreat service and a seamless transaction experience from start to finish.
Ajay B.
San Jose, CAThe team were all extremely responsive and helpful during the transaction process. My questions were always answered quickly, and the team was able to adapt to my requests. I would like to work with them again.
Wakana L.
HomebuyerThe communication throughout the loan process was outstanding. I was kept informed every step of the way, and any challenges were addressed quickly and effectively. The entire process was smooth.
Sunny W.
HomebuyerGreat service and a seamless transaction experience from start to finish.
Ajay B.
San Jose, CAThe team were all extremely responsive and helpful during the transaction process. My questions were always answered quickly, and the team was able to adapt to my requests. I would like to work with them again.
Wakana L.
HomebuyerThe communication throughout the loan process was outstanding. I was kept informed every step of the way, and any challenges were addressed quickly and effectively. The entire process was smooth.
Sunny W.
HomebuyerGreat service and a seamless transaction experience from start to finish.
Ajay B.
San Jose, CAThe team were all extremely responsive and helpful during the transaction process. My questions were always answered quickly, and the team was able to adapt to my requests. I would like to work with them again.
Wakana L.
HomebuyerThe communication throughout the loan process was outstanding. I was kept informed every step of the way, and any challenges were addressed quickly and effectively. The entire process was smooth.
Sunny W.
HomebuyerGreat service and a seamless transaction experience from start to finish.
Ajay B.
San Jose, CA
Clients
308 Reviews on Experience.com
Trusted by over 100+
Homebuyers.
4.87
Average Client Rating
The team were all extremely responsive and helpful during the transaction process. My questions were always answered quickly, and the team was able to adapt to my requests. I would like to work with them again.
Wakana L.
HomebuyerThe communication throughout the loan process was outstanding. I was kept informed every step of the way, and any challenges were addressed quickly and effectively. The entire process was smooth.
Sunny W.
HomebuyerGreat service and a seamless transaction experience from start to finish.
Ajay B.
San Jose, CAThe team were all extremely responsive and helpful during the transaction process. My questions were always answered quickly, and the team was able to adapt to my requests. I would like to work with them again.
Wakana L.
HomebuyerThe communication throughout the loan process was outstanding. I was kept informed every step of the way, and any challenges were addressed quickly and effectively. The entire process was smooth.
Sunny W.
HomebuyerGreat service and a seamless transaction experience from start to finish.
Ajay B.
San Jose, CAThe team were all extremely responsive and helpful during the transaction process. My questions were always answered quickly, and the team was able to adapt to my requests. I would like to work with them again.
Wakana L.
HomebuyerThe communication throughout the loan process was outstanding. I was kept informed every step of the way, and any challenges were addressed quickly and effectively. The entire process was smooth.
Sunny W.
HomebuyerGreat service and a seamless transaction experience from start to finish.
Ajay B.
San Jose, CAThe team were all extremely responsive and helpful during the transaction process. My questions were always answered quickly, and the team was able to adapt to my requests. I would like to work with them again.
Wakana L.
HomebuyerThe communication throughout the loan process was outstanding. I was kept informed every step of the way, and any challenges were addressed quickly and effectively. The entire process was smooth.
Sunny W.
HomebuyerGreat service and a seamless transaction experience from start to finish.
Ajay B.
San Jose, CA
Clients
308 Reviews on Experience.com
Trusted by over 100+
Homebuyers.
4.87
Average Client Rating
The team were all extremely responsive and helpful during the transaction process. My questions were always answered quickly, and the team was able to adapt to my requests. I would like to work with them again.
Wakana L.
HomebuyerThe communication throughout the loan process was outstanding. I was kept informed every step of the way, and any challenges were addressed quickly and effectively. The entire process was smooth.
Sunny W.
HomebuyerGreat service and a seamless transaction experience from start to finish.
Ajay B.
San Jose, CAThe team were all extremely responsive and helpful during the transaction process. My questions were always answered quickly, and the team was able to adapt to my requests. I would like to work with them again.
Wakana L.
HomebuyerThe communication throughout the loan process was outstanding. I was kept informed every step of the way, and any challenges were addressed quickly and effectively. The entire process was smooth.
Sunny W.
HomebuyerGreat service and a seamless transaction experience from start to finish.
Ajay B.
San Jose, CAThe team were all extremely responsive and helpful during the transaction process. My questions were always answered quickly, and the team was able to adapt to my requests. I would like to work with them again.
Wakana L.
HomebuyerThe communication throughout the loan process was outstanding. I was kept informed every step of the way, and any challenges were addressed quickly and effectively. The entire process was smooth.
Sunny W.
HomebuyerGreat service and a seamless transaction experience from start to finish.
Ajay B.
San Jose, CAThe team were all extremely responsive and helpful during the transaction process. My questions were always answered quickly, and the team was able to adapt to my requests. I would like to work with them again.
Wakana L.
HomebuyerThe communication throughout the loan process was outstanding. I was kept informed every step of the way, and any challenges were addressed quickly and effectively. The entire process was smooth.
Sunny W.
HomebuyerGreat service and a seamless transaction experience from start to finish.
Ajay B.
San Jose, CA
The right loan for your situation flexible loans built around your profile and goals
Conventional Loans
The standard path to homeownership, with competitive rates and flexible terms for buyers with established income and credit history.
FHA · VA · USDA
Lower down payments and more forgiving credit requirements through federally backed programs for first-time buyers, veterans, and rural properties.
Asset-Based
Fast, asset-based financing for time-sensitive purchases, fix-and-flips, and opportunities where conventional timelines won't work.
The right loan for your situation flexible loans built around your profile and goals
Conventional Loans
The standard path to homeownership, with competitive rates and flexible terms for buyers with established income and credit history.
FHA · VA · USDA
Lower down payments and more forgiving credit requirements through federally backed programs for first-time buyers, veterans, and rural properties.
Asset-Based
Fast, asset-based financing for time-sensitive purchases, fix-and-flips, and opportunities where conventional timelines won't work.
The right loan for your situation flexible loans built around your profile and goals
Conventional Loans
The standard path to homeownership, with competitive rates and flexible terms for buyers with established income and credit history.
FHA · VA · USDA
Lower down payments and more forgiving credit requirements through federally backed programs for first-time buyers, veterans, and rural properties.
Asset-Based
Fast, asset-based financing for time-sensitive purchases, fix-and-flips, and opportunities where conventional timelines won't work.
Frequently Asked Questions
Questions? We have answers. Here’s what you need to know about working with us.
Need to ask something else?
Hi, I'm James,
founder of GMCC
Reach out anytime.
What types of loans do you offer?
We specialize in Conventional, Non-QM, Government-backed loans, and asset-based financing alongside GMCC's specialty programs like Universe and Buy Without Sell.
Do you have loans offered for foreigners?
How involved will I be in the process?
Do you help with inspections and post-closing?
How long does it typically take to finalize a loan?
Frequently Asked Questions
Questions? We have answers. Here’s what you need to know about working with us.
Need to ask something else?
Hi, I'm James,
founder of GMCC
Reach out anytime.
What types of loans do you offer?
We specialize in Conventional, Non-QM, Government-backed loans, and asset-based financing alongside GMCC's specialty programs like Universe and Buy Without Sell.
Do you have loans offered for foreigners?
How involved will I be in the process?
Do you help with inspections and post-closing?
How long does it typically take to finalize a loan?
Frequently Asked Questions
Questions? We have answers. Here’s what you need to know about working with us.
Need to ask something else?
Hi, I'm James,
founder of GMCC
Reach out anytime.
What types of loans do you offer?
We specialize in Conventional, Non-QM, Government-backed loans, and asset-based financing alongside GMCC's specialty programs like Universe and Buy Without Sell.
Do you have loans offered for foreigners?
How involved will I be in the process?
Do you help with inspections and post-closing?
How long does it typically take to finalize a loan?
Got a Project? Let’s Talk
We'll get back to you ASAP.
Business Inquiry
Company
Got a Project? Let’s Talk
We'll get back to you ASAP.
Business Inquiry
Company
Got a Project? Let’s Talk
We'll get back to you ASAP.
Business Inquiry
Company
Let us help you get your home today.
Not sure? Consultation available
Clear response within 24 hours.
Hi, I'm James,
founder of GMCC
Reach out anytime.
Looking to buy?
Let’s get started
We'll schedule a call to discuss your options. Following these sessions, we'll make sure you get the perfect loan for your situation.
Let us help you get your home today.
Not sure? Consultation available
Clear response within 24 hours.
Hi, I'm James,
founder of GMCC
Reach out anytime.
Looking to buy?
Let’s get started
We'll schedule a call to discuss your options. Following these sessions, we'll make sure you get the perfect loan for your situation.
Let us help you get your home today.
Not sure? Consultation available
Clear response within 24 hours.
Hi, I'm James,
founder of GMCC
Reach out anytime.
Looking to buy?
Let’s get started
We'll schedule a call to discuss your options. Following these sessions, we'll make sure you get the perfect loan for your situation.