Sung Kim

Most loan officers talk about service. I let the numbers speak.

Over the past two decades, I've closed more than $1.5 billion in residential mortgages — helping thousands of families across 17 states achieve the American Dream of homeownership. My average closing time is 21 days. Pre-approvals go out the same day. And when you call me, I  answer. Every time.

Before I ever touched a mortgage file, I spent three years on the Equity Derivatives Desk at Morgan Stanley — the kind of environment where precision, speed, and risk management aren't buzzwords; they're survival skills. I brought that Wall Street discipline into residential  lending and never looked back.

In today's market of elevated rates and tighter underwriting, experience isn't a nice-to-have — it's the difference between closing and losing the deal.

My background in finance, economics, and mathematics (Virginia Tech, B.S. Finance, Minor in Math) means I don't guess at solutions — I engineer them. I've navigated every rate cycle, every guideline change, and nearly every scenario a file can throw at you. If there's a path to  "yes," I'll find it. Creative solutions, not excuses.