I'm a software engineer turned mortgage loan originator. I explain the math behind every option so you can make a confident decision — not just sign where I point.
Here's exactly what working together looks like.
A short call to understand your goals, timeline, and budget.
I review your numbers and get you a fully documented pre-approval.
Find your home, then lock a rate and loan that fit your plan.
I keep underwriting on track so you close on time.
Whether you're buying your first place, upgrading, or lowering your payment, there's a program built for it.
First home or next home — competitive conventional financing with a clear path to close.
Lower your rate, shorten your term, or tap equity with a cash-out refinance.
Low down payment and veteran-focused options for buyers who qualify.
Financing above conforming limits for higher-value California homes.
Down payment guidance and programs designed to get you in the door.
Flexible documentation options if your income doesn't fit a standard W-2.
Run your own numbers. Read plain-language explainers. No email required.
See your full payment breakdown — P&I, taxes, insurance, and PMI — plus a year-by-year amortization schedule.
Open calculator →Work backwards from your income and debts to find your realistic price range and where your DTI lands.
Open calculator →Find the year buying beats renting in your specific situation — accounting for equity, appreciation, and opportunity cost.
Open calculator →Numbers to know, documents to collect, and questions to ask any loan originator. Printable checklist included.
Read the post →The 20% rule is a myth. Real minimums by loan type, what PMI costs, and how to decide.
Read the post →Minimums by loan type, how your score sets your rate, and what not to do before closing.
Read the post →Every buyer gets one. Almost nobody understands it. Every section explained, plus red flags to watch for.
Read the post →Only one makes a seller take your offer seriously. Here's what each actually means.
Read the post →Buying or refinancing a home is one of the biggest financial decisions you'll make, and the process should feel clear and organized — not confusing or full of surprises.
By profession I'm a software engineer, where precision, problem-solving, and careful planning are the job. I bring those same habits to every mortgage client. I became a licensed Mortgage Loan Originator because I saw how overwhelming the process can feel, and I believe good guidance is about far more than chasing a rate — it's about handling every detail correctly and making sure you understand each option in front of you.
What clients can expect is straightforward communication, organization, and someone who takes ownership of every step and keeps the transaction on track from first call to closing — with recommendations based on your goals, explained plainly and without sales pressure.
Outside of work, I'm a husband and father in the Bay Area who enjoys learning and helping people make better-informed decisions. Whether it's your first home, a refinance, or an investment property, my goal is simple: help you move forward with confidence.
Professional Disclosure: Jasper Liu is affiliated with BQ Group Inc. as both a Licensed California Real Estate Salesperson and a Mortgage Loan Originator. While these services may be offered by the same individual, real estate brokerage services and mortgage lending services are separate professional services subject to different legal and regulatory requirements.
Start a conversationTell me a little about what you're looking for and I'll reach out — usually the same day. No pressure, no credit pull to start.