"Today, I see a mortgage loan, more than ever, not as a mortgage loan once was, but instead as a financial instrument that must be tied into your long and short term personal financial plan, allowing the consumer to create a debt strategy that helps in building long term wealth creation for the client and their family." 
- Juan Kong


financial-analysisNeed to Refinance?

Save money by taking advantage of the lowest rates available. Whether you are looking to lower your rate, lower your monthly payment, or tap into your home's equity, use this FREE self-help tool to determine exactly what type of refinance solution is best for you.

investment-solutionsPurchasing a Home?

Turn the home of your dreams into reality. Whether you are buying your first home, second home, or vacation property, use this FREE self-help tool to determine exactly what type of purchase loan is best for you.

business-supportConsolidating Debt?

Use your home to help eliminate bad debt and bundle your bills into one easy monthly payment. Whether you need to pay off high-interest credit cards or you just need cash now, use this FREE self-help tool to determine exactly what type of debt consolidation program is best for you.


To benefit every client with the very best service, and the latest in mortgage products and planning, with the goal of finding solutions to fit every need. During his more than 35 years' experience in the market, Juan C. Kong's trusted expertise has benefited both experienced commercial investors and long-term clients, as well as the first-time buyer.


Juan uses an integrated approach, matching products and expert planning, tailored to each client's particular needs. His goal and passion is to position each client for the best possible financial growth, while paying close attention to risk, and importantly, to each client's comfort level.


Juan incorporates mortgage planning into the client's financial 'big picture,' all while attending to every detail of the entire process. Clients find he is accessible, keeping them informed, and on schedule.


During his 35+ years, Juan C. Kong has written more than one billion dollars' in loans. His experience, and myriad of financial connections are the product of years spent building a practice mostly on referrals from satisfied customers, many of whom have trusted him for decades, with the management of their real asset financial needs.

Team Members:

Jose Kong is the loan coordinator, highly organized with impeccable attention to detail. Jose manages the application with methodical reliability and has over 28 years of experience in the lending industry. If you wish to contact Jose, you may click on his name here Jose Kong.  (jose@pacbay.net phone: 415.592.0986)