# The Loan Pros Team Inc > Roxanne Chung, Lic. Mortgage Broker at The Loan Pros Team Inc ## Contact - Email: rox@theloanprosteam.com - Phone: (754) 707-5877 ## Pages - [The Loan Pros Team Inc | Get Approved Faster. Close Smarter.](https://theloanprosteam.com) — Modern mortgage solutions designed to go beyond conventional limits. Fast pre-approvals, transparent closings, and real human guidance. NMLS 546205. Apply today! - [About](https://theloanprosteam.com/about) - [Services](https://theloanprosteam.com/services) - [Contact](https://theloanprosteam.com/contact) - [FHA Loans](https://theloanprosteam.com/fha-loans) - [VA Loans](https://theloanprosteam.com/va-loans) - [Conventional Loans](https://theloanprosteam.com/conventional-loans) - [USDA Loans](https://theloanprosteam.com/usda-loans) - [Jumbo Loans](https://theloanprosteam.com/jumbo-loans) - [Refinance Costs & Savings | The Loan Pros Team](https://theloanprosteam.com/refinance) — Learn what refinancing is, why homeowners refinance, typical closing costs, and how to weigh those costs against long-term savings with Roxanne Chung. - [Our Team | The Loan Pros Team Inc](https://theloanprosteam.com/team) — Meet Roxanne Chung, Robert Paucar, and Valerie Chung — the experienced mortgage professionals at The Loan Pros Team Inc. NMLS 546205. Beyond conventional lending. - [Blog | The Loan Pros Team - Mortgage Insights & Tips](https://theloanprosteam.com/blog) — Stay informed with the latest mortgage market insights, home buying tips, and financing advice from The Loan Pros Team. Expert guidance for your homeownership journey. - [Privacy Policy | The Loan Pros Team](https://theloanprosteam.com/privacy-policy) — Learn how The Loan Pros Team collects, uses, and protects your personal information. Read our full privacy policy for mortgage borrowers and website visitors. - [Terms & Conditions | The Loan Pros Team](https://theloanprosteam.com/terms-and-conditions) — Review the terms and conditions for using The Loan Pros Team website and mortgage services. Important legal information for borrowers and visitors. ## The Loan Pros Team Inc | Get Approved Faster. Close Smarter. ### Get Approved Faster. Close Smarter. ### Every Loan, Every Scenario. ### FHA Loans ### VA Loans ### Conventional Loans ### USDA Loans ### Jumbo Loans ### Non-QM Loans ### Bank Statement Loans ### 1099 Only Loans ### Foreign National Loans ### Fix & Flip Loans ### DSCR Loans ### Ground Up Construction ### Renovation Loans ### Refinancing ### HELOC ### HELOAN ### Explore All Programs ### Not Your Typical Mortgage Experience Modern mortgage solutions designed to go beyond conventional limits—whether you're buying, refinancing, or investing. Or call us directly at 24-Hour Pre-Approval Fast, secure, online Programs From first-time buyers to seasoned investors, we have a program built for your exact situation. No wrong doors — just the right loan. Low down payments and flexible credit requirements. The go-to choice for first-time and budget-conscious buyers. Zero down payment for veterans and active-duty service members. No PMI, competitive rates, and full lender support. Flexible terms for buyers with strong credit. From 3% down to jumbo-adjacent amounts, built for flexibility. 100% financing for eligible rural and suburban properties. No down payment required for qualified areas. High-value financing for luxury homes and competitive markets. Custom structures for loan amounts above conforming limits. Alternative qualification for borrowers outside standard guidelines. Flexible income and credit requirements. Use business or personal bank statements instead of tax returns. Ideal for self-employed borrowers. Qualify using your 1099 income documentation. Perfect for independent contractors and gig workers. Financing for non-U.S. citizens purchasing property in the United States. No Social Security number required. Short-term financing for investors renovating and reselling properties. Fast closings and flexible terms. Debt Service Coverage Ratio loans for real estate investors. Qualify based on property cash flow, not personal income. Build from the ground up with tailored construction financing. Draw schedules and interest-only options available. FHA 203k, VA, and Conventional renovation options. Finance purchase and improvements in a single loan. Lower your rate, shorten your term, or tap equity. Rate-and-term, cash-out, and streamline options available. Home Equity Line of Credit with flexible draw periods. Access funds when you need them with competitive variable rates. Fixed-rate Home Equity Loan with predictable monthly payments. Lump sum disbursement for major expenses. Refinance, investor loans, Non-QM, and more. We built The Loan Pros Team to be different. Here's what sets us apart: Your Home Journey Starts with the right partner Three steps to your new home or better loan. We are analyzing your loan for potential savings. We'll be in touch soon! Upload your Loan Estimate and we'll analyze it for potential savings on your mortgage. Click or drag to replace ## About ### Our Speed Guarantee ### Let's Work Together LOAN PROGRAMS , dedicated to helping families achieve their homeownership dreams with integrity, expertise, and personalized service. Whether you are a first-time buyer or an experienced investor expanding your portfolio, you will get the guidance and loan solutions to make your goals a reality. Ready to take the next step? Reach out for a free consultation and personalized rate quote. ## Services ### Loan Programs & Services ### Your Countdown to Closing ### Common Questions ### Not Sure Which Loan Is Right? LOAN PROGRAMS Explore our range of mortgage solutions designed to fit every need. Schedule a free consultation and find the perfect program. ## Contact ### Get Started in 60 Seconds ### Send a Message ### Message Sent! ### Frequently Asked Questions ### Prefer to Schedule a Time? LOAN PROGRAMS Have questions? Need guidance? is here to fast-track your mortgage journey. Fill out the form below and will get back to you shortly. Thank you for reaching out. will get back to you shortly. Something went wrong. Please try again. Book a call directly on calendar. ## FHA Loans ### FHA Loans Your Gateway to Homeownership ### What Are FHA Loans? ### Ready to Apply? ### FHA Loan Requirements ### Credit Score ### Debt Ratios ### Down Payment ### 2026 FHA Loan Limits ### FHA Loan Benefits ### Frequently Asked Questions ### Ready to Get Started? LOAN PROGRAMS Achieve your dream of homeownership with as little as 3.5% down. FHA loans offer flexible credit requirements and government backing, making them perfect for first-time homebuyers. FHA loans are mortgages insured by the Federal Housing Administration, designed to make homeownership more accessible. These government-backed loans offer lower down payments, flexible credit requirements, and are especially beneficial for first-time homebuyers. Get personalized FHA loan options fast. FHA loans have more flexible requirements than conventional loans, making homeownership accessible to more people. *Subject to AUS Approval Down payment can come entirely from gift funds from family members. FHA loan limits vary by area. Here are the current 2026 FHA loan limits by area type. Let us help you navigate the FHA loan process and find the perfect home financing solution. ## VA Loans ### VA Loans For Our Heroes ### What Are VA Loans? ### Check Your VA Benefits ### VA Loan Eligibility ### Veterans ### Active Duty ### Guard & Reserves ### Exclusive VA Loan Benefits ### Frequently Asked Questions ### Honor Your Service LOAN PROGRAMS Honor your service with VA home loans designed for veterans, active military, and eligible spouses. $0 down payment, no PMI, and competitive rates to help you secure the home you have earned. VA loans are a benefit earned through military service, backed by the Department of Veterans Affairs. These mortgages offer unmatched advantages for veterans, active-duty service members, and eligible surviving spouses, making homeownership more accessible and affordable. Honor your service with the benefits you earned. Must have completed required training and meet other service requirements. Let us help you take advantage of the VA loan benefits you have earned through your service. ## Conventional Loans ### Conventional Loans The Flexible Choice ### What Are Conventional Loans? ### Quick Qualification ### Requirements ### Credit Score ### Down Payment ### Debt-to-Income ### 2026 Loan Limits ### Benefits ### FAQ ### Ready to Get Started? LOAN PROGRAMS The most popular home financing option in America. Flexible terms, competitive rates, and the traditional mortgage solution trusted by millions of borrowers. Conventional loans are traditional mortgages not backed by government agencies like FHA, VA, or USDA. They offer the most flexibility and are ideal for borrowers with good credit and stable income. As the backbone of American home financing, they represent over 75% of all mortgage originations. Traditional financing with flexible terms. Lower DTI ratios typically qualify for better interest rates and terms. Explore your conventional loan options and find the perfect financing solution. ## USDA Loans ### USDA Loans Zero Down Payment Rural Home Loans ### USDA Loan Benefits ### Check USDA Eligibility ### Qualification Requirements ### Property Location ### Income Limits ### Credit Requirements ### FAQ ### Ready to Explore USDA Loans? LOAN PROGRAMS Get 100% financing in eligible rural and suburban areas. USDA loans offer zero down payment, low mortgage insurance rates, and flexible credit requirements for moderate-income homebuyers. See if your area qualifies for zero-down financing. Must be in a USDA-designated rural or suburban area. Many areas just outside major cities qualify. Find out if your dream home is in a USDA-eligible area. ## Jumbo Loans ### Jumbo Loans For Luxury Properties ### What Are Jumbo Loans? ### Jumbo Loan Specialist ### 2026 Loan Limits by Area ### Jumbo Thresholds ### Benefits & Features ### Qualification Requirements ### Credit Requirements ### Down Payment & Reserves ### FAQ ### Which Jumbo Program Fits You? LOAN PROGRAMS Specialized portfolio lending for luxury properties. Five distinct jumbo programs designed for unique borrower profiles, from first-time buyers to experienced investors. Jumbo loans, also known as non-conforming loans, are mortgages that exceed the conforming loan limits set by the Federal Housing Finance Agency (FHFA). These loans are designed for financing luxury properties and homes in highly competitive real estate markets. Specialized financing for luxury properties. Any loan exceeding these limits requires jumbo financing. Let our specialists analyze your profile and recommend the best jumbo program. ## Refinance Costs & Savings | The Loan Pros Team ### Refinance Costs, Benefits & Long-Term Savings ### What Is Refinancing? ### Why Homeowners Refinance ### Typical Refinance Costs ### Weighing Costs Against Savings ### Refinance Questions ### Ready to Run Your Numbers? LOAN PROGRAMS Thinking about refinancing? Start here — a clear look at what refinancing is, why homeowners do it, what it typically costs, and how those costs stack up against potential savings. Quick Snapshot Figures are illustrative ranges — your actual costs and savings depend on rate, credit, equity, and loan type. Refinancing means replacing your current mortgage with a new loan — usually to secure a better rate, change the term, switch loan types, or access equity. The new lender pays off your existing mortgage; you then repay the new loan under the updated terms. It is not a free reset. Closing costs apply, and the new loan starts its own clock. The decision is whether the long-term benefit outweighs those upfront costs for your situation. How the Process Works Most refinances fall into one of a few clear goals. Knowing yours first keeps the math honest. Expect closing costs in the ballpark of 2%–5% of the new loan amount. Exact fees vary by lender, property, and location — here is what usually shows up on the Loan Estimate. Tip: Ask for a side-by-side of cash-to-close vs. rolling costs into the loan so you can compare monthly impact and total interest. A refinance pays off when lifetime (or planned-ownership) savings exceed what you spend to close. Lower payments feel good on day one — lasting value comes from clearing the break-even line and keeping the home beyond it. Example illustration $4,200 closing costs · $175/mo savings Hypothetical only — not a quote or guarantee. Your numbers will differ based on rate, fees, and loan balance. Straight answers for homeowners weighing the decision. Roxanne and The Loan Pros Team will map your rate options, closing costs, and break-even timeline — so you can decide with confidence. ## Our Team | The Loan Pros Team Inc ### Beyond Conventional ### Specialties ### Your Dream Home Is Closer Than You Think LOAN PROGRAMS Meet the dedicated professionals who go above and beyond to make your homeownership dreams a reality. Every situation is unique — your mortgage team should be too. There's nothing to be embarrassed about. Tell us your situation — chances are, we've been there. And one thing is certain: The Loan Pros Team will do everything possible to find your path to homeownership. Fast, transparent mortgage services tailored to your goals. Beyond conventional. Quick Links Contact NMLS# Company NMLS# ## Blog | The Loan Pros Team - Mortgage Insights & Tips ### Blog LOAN PROGRAMS Market insights and mortgage tips from No blog posts yet. Check back soon! ## Privacy Policy | The Loan Pros Team ### Privacy Policy ### 1. Information We Collect ### 2. How We Use Your Information ### 3. How We Share Your Information ### 4. Data Security ### 5. Cookies and Tracking ### 6. Your Privacy Rights ### 7. Data Retention ### 8. Children's Privacy ### 9. Third-Party Links ### 10. Changes to This Policy ### 11. Contact Us Last Updated: June 1, 2026 This Privacy Policy describes how ("we," "us," or "our") collects, uses, and shares your personal information when you visit our website or use our mortgage services. We are committed to protecting your privacy and handling your data responsibly. We may collect the following types of personal information: Contact Information: Your name, email address, phone number, and mailing address. Financial Information: Income, employment history, credit score range, assets, debts, and loan details necessary to process mortgage applications. Loan Estimate Documents: PDFs or other documents you upload for analysis and comparison. Usage Data: IP address, browser type, pages visited, and other analytics data collected via cookies and similar technologies. We use your personal information to: Evaluate and process mortgage loan applications Communicate with you about loan options, rates, and application status Analyze loan estimate documents to identify potential savings Improve our website, products, and customer service Comply with legal obligations and industry regulations Send marketing communications (with your consent, which you may withdraw at any time) We do not sell your personal information. We may share your information with: Lenders and Financial Partners: To process and fund your mortgage loan Service Providers: Third parties who perform services on our behalf, such as document processing, IT support, and marketing platforms Legal Authorities: When required by law, regulation, or legal process Credit Bureaus: With your authorization, to obtain credit reports necessary for loan qualification We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. This includes encryption, secure servers, and access controls. However, no method of transmission over the Internet is 100% secure. Our website uses cookies and similar tracking technologies to enhance your browsing experience, analyze site traffic, and personalize content. You can control cookie preferences through your browser settings. Disabling cookies may affect some website functionality. Depending on your state of residence, you may have the following rights: Access the personal information we hold about you Request correction or deletion of your personal information Opt out of the sale or sharing of your personal information (we do not sell data) Request a copy of your data in a portable format Non-discrimination for exercising your privacy rights To exercise these rights, contact us using the information below. We retain your personal information for as long as necessary to fulfill the purposes outlined in this policy, comply with legal obligations, resolve disputes, and enforce our agreements. Mortgage application records are typically retained for at least seven (7) years per federal regulations. Our services are not directed to individuals under 18 years of age. We do not knowingly collect personal information from children. If you believe we have inadvertently collected information from a minor, please contact us immediately. ## Terms & Conditions | The Loan Pros Team ### Terms & Conditions ### 1. About Our Services ### 2. Eligibility ### 3. Loan Applications and Financial Information ### 4. Website Use and Restrictions ### 5. Intellectual Property ### 6. Rate Quotes and Estimates ### 7. Limitation of Liability ### 8. Disclaimer of Warranties ### 9. Indemnification ### 10. Governing Law and Dispute Resolution ### 11. Third-Party Services and Links ### 12. Termination ### 13. Changes to These Terms ### 14. Entire Agreement ### 15. Contact Information Last Updated: June 1, 2026 Please read these Terms and Conditions ("Terms") carefully before using the website or services of ("we," "us," or "our"). By accessing or using our website and services, you agree to be bound by these Terms. If you do not agree, please do not use our website or services. is a licensed mortgage broker. We connect borrowers with mortgage lenders and assist in the loan application process. We do not directly fund loans. All loan approvals, terms, and funding decisions are made by the lenders in our network. NMLS: . To use our services, you must: Be at least 18 years of age Be a legal resident or citizen of the United States Provide accurate, complete, and current information Have the legal capacity to enter into binding contracts By submitting a loan application or financial information through our website: You represent that all information provided is true, accurate, and complete to the best of your knowledge You authorize us to share your information with lenders and financial partners for the purpose of evaluating and processing your loan request You authorize us to obtain credit reports and verify your information as necessary You understand that submitting an application does not guarantee loan approval You agree to use our website only for lawful purposes. You may not: Use our website in any way that violates applicable federal, state, or local laws Attempt to gain unauthorized access to any portion of our website or systems Use any automated means (bots, scrapers, spiders) to access or copy content Transmit viruses, malware, or other harmful code Impersonate any person or entity or misrepresent your affiliation Engage in any activity that interferes with or disrupts our services All content on this website, including text, graphics, logos, images, and software, is the property of or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works without our prior written consent. Any rate quotes, payment estimates, or loan scenarios displayed on our website or provided by our team are for informational purposes only. They are not offers to lend or commitments to extend credit. Actual rates and terms are subject to change based on market conditions, credit approval, property appraisal, and other factors. A formal Loan Estimate will be provided after application. To the fullest extent permitted by law, and its officers, employees, agents, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of our website or services. Our total liability to you for any claim shall not exceed the amount you paid us (if any) for the specific service giving rise to the claim. Our website and services are provided on an "as is" and "as available" basis. We make no warranties, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not guarantee that our website will be uninterrupted, secure, or error-free. You agree to indemnify, defend, and hold harmless and its affiliates from any claims, damages, losses, or expenses (including reasonable attorneys' fees) arising out of your use of our website or services, your violation of these Terms, or your violation of any rights of a third party. These Terms shall be governed by and construed in accordance with the laws of the State of Florida, without regard to conflict of law principles. Any dispute arising under these Terms shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association. Judgment on the arbitration award may be entered in any court having jurisdiction. Our website may contain links to third-party websites or integrate with third-party services (such as Optimal Blue rate widgets, scheduling tools, or credit services). We are not responsible for the content, privacy practices, or terms of these third-party sites. Your use of third-party services is governed by their respective terms and policies. We reserve the right to suspend or terminate your access to our website and services at any time, with or without cause, and with or without notice. Upon termination, all provisions of these Terms that by their nature should survive termination shall continue in full force and effect. We may update these Terms from time to time. The most current version will always be posted on this page with an updated effective date. Your continued use of our website or services after any changes constitutes your acceptance of the revised Terms. These Terms, together with our Privacy Policy and any other legal notices published on our website, constitute the entire agreement between you and regarding your use of our website and services.