We can't find the internet
Attempting to reconnect
Something went wrong!
Connection blocked by network firewall - please contact your IT administrator
Specialized home loans and creative financing solutions for unique borrowers
Vincent Lau
New American Funding
Introduction
Vincent Lau from New American Funding is the go-to lender for first-time homebuyers needing down payment assistance, business owners seeking creative financing solutions, and individuals with substantial assets but irregular income who require asset-based lending.
What They Do
They provide residential home loans to help people buy their first home and assist existing homeowners in accessing equity in their property. They also offer refinancing options to secure better rates or pull cash out. Their specialty includes down payment assistance for first-time buyers, financing for investors purchasing rental properties, and nontraditional lending solutions for business owners and individuals with irregular income but substantial liquid assets.
Location & Service Area
Based in Castro Valley, California, they are licensed to serve customers throughout the entire state of California.
What Makes Them Different
They specialize in down payment assistance for first-time homebuyers, helping clients find funds for down payments and closing costs. They work with investors on rental properties and provide creative financing solutions for business owners who cannot qualify for traditional loans. Additionally, they offer asset-based lending by using clients' liquid assets such as retirement accounts, investments, and savings to generate qualifying income for home loans.
Services Offered
Who They Help
Their ideal customers include first-time homebuyers needing down payment assistance, real estate investors purchasing rental properties, business owners requiring creative financing solutions, and individuals with substantial liquid assets but irregular income seeking asset-based lending. They also collaborate closely with real estate agents, financial advisors, accountants, estate planning attorneys, and insurance agents who serve these client groups.
Know someone who says...
"I want to buy a house but don't have enough for a down payment"
"I need to access the equity in my home"
"My business needs financing but the banks keep saying no"
"I want to refinance to get a better rate"
"I have retirement savings but no regular income - can I still get a mortgage?"
"I'm self-employed with irregular income but have substantial investments"
Fun Fact
A coffee enthusiast who keeps lending solutions straightforward and accessible.
Quick Facts
Reviews (1)
Featured Review
"Vincent Lau is a knowledgeable, responsive, and patient mortgage professional who finds creative solutions to help clients successfully purchase homes."
January 24, 2026
Ready to Connect?
Call Bruce now to ask questions or book services with New American Funding
Call 833-853-6789