Over 90% of Home Buyers are doing their Due Diligence online so it is no surprise that you made it here! Thank you for visiting.

You are considering financing Hundreds of Thousands of dollars; it is a sound financial practice to check with at least one other lender to see that you can trust me.

I can provide Jumbo loans up to 80% LTV on loans up to $2 million, I have substantial experience in VA loans and have a powerful team supporting me.

We all realize that without our customers, we have no business. Our customers mean everything to us.

My strengths are identifying with customers needs, finding them the right program, helping them qualify for the best rate and saving them money over time. I am a transparent compliant lender and I disclose "everything" on the GFE the first time around so there are no suprises at closing. On many occasions I pay VA non allowable closing costs and provide sound advice on various loan programs and options etc.

With a tightening credit market I have over a decade of experience in the industry, I nurture and value my positive relationships with my underwriters; in return they can help me obtain approvals that many other lenders have to decline with their insight and vast experience.

Buying a new home or refinancing your home is a source of anxiety, frustration -- and a huge sense of accomplishment - I educate every first time home buyer in the real estate process so they become investors not just home owners.

You didn't pick the house that was best for someone else, you picked the one that's right for you! Trust Jay Oku to find the mortgage loan that best fits your needs, too.