Oregon & Washington
home loans, done right.

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Fast Pre-Approval Local Expertise Purchase · Refi · VA

TRUSTED GUIDANCE

From application to keys in hand.

PHUONG HA · NMLS 1839449

START YOUR APPLICATION

Ready when you are.

Tell me your goals and I'll personally reach out within 24 hours — no pressure, no obligation. Or scan the code and start your secure application right now.

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24-Hour Pre-Approval

Make competitive offers with confidence.

Loan Programs

Purchase, Refi, FHA, VA & Jumbo.

Personalized Guidance

One dedicated partner from application to keys.

WHY WORK WITH ME

The Phuong Ha difference.

Fast Pre-Approvals

Get pre-approved in as little as 24 hours so you can make competitive offers with confidence in any market.

Local Expertise

Deep roots in Oregon and Washington mean I know the local market, lenders, and programs that give you an edge.

Personalized Service

You work directly with me — no hand-offs, no call centers. Just clear communication and honest advice.

LOAN PROGRAMS

Find the right loan for you.

Zero & Low Down

Short on a down payment?

You may not need 20% — or even anything — down. Down Payment Assistance (DPA) programs can cover part or all of your down payment, and sometimes closing costs too, through grants or a small second loan. And true zero-down options like VA (veterans & active-duty military) and USDA (eligible rural & suburban homes) can get you into a home with little to no cash up front.

See if you qualify
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Purchase

Purchase Loans

Buying your first home or your next one? I'll match you with the right program, rate, and lender for your situation.

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Refinance

Refinance

Lower your rate, reduce your payment, or tap equity for home improvements — I'll find the option that saves you the most.

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FHA

FHA Loans

Low down payment options starting at 3.5% with flexible credit requirements — a great path to homeownership.

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VA

VA Loans

Exclusive zero-down benefits for veterans and active-duty military. You served — let me help you get the home you deserve.

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Jumbo

Jumbo Loans

Financing above conventional limits for higher-value properties in Oregon and Washington, with competitive rates.

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Phuong Ha, licensed mortgage professional

FREE CONSULTATION

Let's talk about your home loan.

Fill out the form and I'll personally reach out within 24 hours. No pressure, no obligations — just straightforward answers from a licensed mortgage professional.

Licensed in Oregon & Washington Response within 24 hours No obligation, ever