From first-time homebuyers to seasoned investors, Thrive Lending Group offers a wide range of home loan and mortgage solutions designed to meet your unique goals. With access to competitive rates, flexible terms, and expert guidance every step of the way, we’re here to make your journey to homeownership smooth, simple, and successful.
Conventional home loans are a trusted option for buyers with strong credit and stable income. At Thrive Lending Group, we offer competitive rates, flexible loan terms, and a streamlined approval process. Whether you’re purchasing a primary residence, second home, or investment property, our team is here to help you find the right fit. Enjoy straightforward financing designed to support your long-term homeownership goals.
FHA home loans are perfect for first-time buyers or those with less-than-perfect credit. Backed by the Federal Housing Administration, these loans offer low down payments, flexible credit guidelines, and affordable interest rates. At Thrive Lending Group, we make the process easy and supportive—helping more people qualify for financing and move into a home they love with greater confidence and lower upfront costs.
VA home loans are a powerful benefit for veterans, active-duty service members, and eligible spouses. Backed by the U.S. Department of Veterans Affairs, these loans offer no down payment, no PMI, and competitive interest rates. At Thrive Lending Group, we’re proud to serve those who’ve served—making homeownership more accessible with expert guidance, flexible options, and real savings for military families.
Jumbo home loans are ideal for buyers purchasing high-value properties that exceed standard conforming loan limits. Thrive Lending Group offers competitive rates, flexible terms, and personalized solutions for larger loan amounts. Whether you’re investing in a luxury home, vacation property, or second residence, we’ll guide you through the process with clarity and care—ensuring your jumbo financing fits your lifestyle and long-term goals.
At Thrive Lending Group, we understand that self-employed borrowers often face unique challenges when it comes to qualifying for a mortgage. That’s why our self-employed home loan solutions use alternative documentation like bank statements, tax returns, or profit-and-loss statements to verify income. With flexible guidelines, competitive rates, and personalized support, we help business owners, freelancers, and entrepreneurs secure financing without the stress of traditional lending requirements.
Non-Qualified Mortgage (NQM) loans are designed for borrowers who don’t meet traditional lending guidelines due to non-standard income, credit history, or unique financial situations. At Thrive Lending Group, we offer flexible documentation options like bank statements or asset-based income to help you qualify. With competitive rates and custom loan structures, NQM loans provide a smart path to homeownership when conventional financing isn’t the right fit.
Bank statement loans are a flexible option for self-employed borrowers who may not qualify through traditional income documentation. Instead of W-2s or pay stubs, Thrive Lending Group uses 12–24 months of bank statements to verify income. With competitive rates, custom terms, and a streamlined process, these loans make it easier for entrepreneurs, freelancers, and business owners to achieve homeownership on their own terms.
Thrive Lending Group offers smart, flexible solutions for investment property financing, helping you grow your real estate portfolio with confidence. Whether you’re purchasing a rental property, vacation home, or multi-unit residence, we provide competitive rates, income-based qualification, and expert guidance. Our goal is to help you build long-term wealth through strategic real estate investments—backed by a lending team that understands your goals and works to support your success.
ITIN loans are designed for borrowers who don’t have a Social Security number but file taxes using an Individual Taxpayer Identification Number (ITIN). Thrive Lending Group proudly supports non-U.S. citizens by offering flexible documentation, competitive rates, and personalized service. Whether you’re purchasing your first home or investing in property, our ITIN loan programs make homeownership more accessible for individuals and families building a future in the United States.
Refinance home loans from Thrive Lending Group help you lower your interest rate, reduce monthly payments, or access home equity for renovations or major expenses. Whether you’re consolidating debt or adjusting your loan term, our refinancing solutions offer competitive rates, flexible terms, and a streamlined process. Let our expert team help you align your mortgage with your current financial goals and build a more secure future.
A cash-out refinance allows you to replace your current mortgage with a new one—while tapping into your home’s equity for cash. Thrive Lending Group makes it easy to access funds for home improvements, debt consolidation, or other financial goals. With competitive rates, flexible terms, and personalized support, we help you turn your home’s value into a powerful tool for improving your financial future.
Thrive Lending Group offers renovation and construction loans to help you build or transform your home from the ground up. Whether you’re planning a custom new build or major home improvement project, we provide financing that covers both construction costs and long-term mortgage solutions. With flexible draw schedules, competitive rates, and expert guidance, we make it easier to bring your vision to life—while increasing your home’s value.
USDA home loans are designed to help eligible buyers in rural and suburban areas achieve affordable homeownership with zero down payment, low interest rates, and flexible credit requirements. Backed by the U.S. Department of Agriculture, these loans are ideal for low to moderate-income households. At Thrive Lending Group, we guide you through the USDA loan process—making it easier to find a home and thrive in your community.
At Thrive Lending Group, we love helping clients buy their first home. Our first-time homebuyer loans and Down Payment Assistance (DPA) programs offer low down payment options, flexible credit requirements, and access to grants or forgivable loans to reduce upfront costs. Whether you’re stepping out of renting or starting fresh, we make homeownership more accessible with guidance and support tailored to first-time buyers.
A reverse mortgage allows homeowners 62 and older to eliminate your mortgage payment and tap into your home equity without selling your home. Thrive Lending Group helps you use that equity to cover living expenses, fund home improvements, or even purchase a new home. You can also refinance an existing reverse mortgage to improve your terms—creating more financial freedom while staying in the home you love.
Hi, I’m Albert Ngo, Loan Officer Assistant at Thrive Lending Group, proudly serving clients throughout California. I’m here to ensure that every stage of the home loan process is smooth, efficient, and well organized behind the scenes.
Working closely with both clients and loan officers, I help manage documentation, track timelines, and provide timely updates to keep things moving. I take pride in my attention to detail, clear communication, and commitment to delivering a seamless lending experience from start to finish.
Whether you’re buying a home or refinancing, I’m here to support your journey and help make the process stress free and successful.
Licensed in: California
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.
At Thrive Lending Group, we believe that buying a home or refinancing shouldn’t feel overwhelming—it should feel empowering. That’s why we combine expert mortgage guidance with a personalized approach tailored to your unique goals. With access to a wide range of loan options, competitive rates, and a streamlined process, we make it easier for you to move forward with confidence.
Whether you’re a first-time buyer, a seasoned investor, or simply exploring your options, Thrive Lending Group is here to help you make smart, informed decisions every step of the way.
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.
A Conventional Loan is ideal for borrowers with strong credit and offers flexible terms with competitive rates. In contrast, an FHA Loan is backed by the government and designed for those with lower credit scores or smaller down payments, making homeownership more accessible.
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.
A Jumbo Loan is a mortgage that exceeds the conforming loan limits set by Fannie Mae and Freddie Mac. If you’re purchasing a high-value home that requires financing beyond conventional limits, a Jumbo Loan provides the funding you need with flexible terms.
Yes! Bank Statement Loans and Non-QM Loans are great options for self-employed borrowers. Instead of W-2s, these loans use bank statements or alternative income verification to qualify, making homeownership accessible for entrepreneurs and freelancers.
An ITIN Loan is designed for borrowers without a Social Security number but who have an Individual Taxpayer Identification Number (ITIN). These loans provide financing options for non-U.S. citizens looking to buy a home, using alternative forms of credit and income verification.
A HELOC (Home Equity Line of Credit) is a revolving credit line that lets you borrow against your home’s equity as needed. A Cash-Out Refinance replaces your existing mortgage with a new loan for a higher amount, giving you a lump sum of cash upfront.
Investment Property Loans are designed for purchasing rental properties or second homes. Lenders often require a higher down payment and stronger credit score, but these loans allow you to generate income and build wealth through real estate.
A USDA Loan offers zero down payment, low interest rates, and reduced mortgage insurance for homebuyers in eligible rural areas. It’s a great option for those looking for affordable homeownership with government-backed security.
An ARM starts with a fixed interest rate for an initial period (e.g., 5 or 7 years), then adjusts periodically based on market rates. It’s ideal for buyers who plan to move or refinance before the rate adjusts.
A Reverse Mortgage allows homeowners aged 62+ to convert home equity into cash, with no monthly mortgage payments required. The loan is repaid when the homeowner sells the home, moves out, or passes away, making it a valuable retirement tool.
Yes! While credit scores impact refinancing options, FHA Streamline Refinance or Non-QM Loans may allow you to refinance with lower requirements. Improving your credit before refinancing can also help secure better rates.
The first step is to get pre-approved! This involves a quick review of your credit, income, and financial situation. Pre-approval gives you a clear picture of what you can afford and makes home shopping easier. Ready to get started? Let’s talk!
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