Real Estate and Financing, Under One Roof
From the first showing to the final signature, one trusted team guides your purchase, your sale, and your loan.
Proudly serving Southern California for 30 years
One Team, Every Step
Most moves involve two transactions and three or four different professionals. At AMI, the agent guiding your search and the loan officer structuring your financing work side by side, in the same office.
Buy a Home
A financing-first search strategy for move-up buyers, first-time buyers, and investors across Southern California. Know your true budget before you fall in love with a home.
Explore BuyingSell Your Home
Pricing built on live Southern California data, presentation that earns strong offers, and buyer vetting informed by real lending experience.
Explore SellingFinance & Refinance
Conventional, jumbo, VA, and non-QM loan options arranged in-house, plus refinance reviews when the market moves in your favor.
Explore FinancingThe one-roof advantage: when your agent and your loan officer share a hallway, offers get written with financing already vetted, escrow timelines hold, and nothing gets lost between two companies.
Meet the TeamA Smarter Way to Buy in Southern California
In a market where well-priced homes attract multiple offers, preparation wins. We start with your financing, so your offer is ready to compete from day one.
- Financing-first strategy: pre-approval and budget clarity before the search begins, subject to borrower qualification.
- Move-up planning, including home equity options that can help fund the next purchase, depending on loan program availability.
- Neighborhood and school-district guidance across our seven core communities.
- New construction representation, so the builder's sales office isn't the only voice in the room.
Why buyers work with AMI
Your offer arrives with financing already structured with our in-house loan officer, which tells a listing agent your offer is serious. When timelines shift, your agent and your loan officer solve it in one conversation, not a chain of emails between companies.
Sell with Strategy, Not Guesswork
The right price, the right presentation, and a buyer who can actually close. That last part is where most sales go sideways, and where our lending experience protects you.
- Pricing strategy grounded in current Southern California comparable sales.
- A preparation and presentation plan focused on what adds value, not busywork.
- Buyer qualification review: we read financing terms the way a lender does, before you accept.
- Clear guidance on pricing and costs, so you can weigh each offer with confidence.
What's My Home Worth?
Request a complimentary valuation. We'll prepare a market analysis of your home, no obligation.
Financing Arranged In-House, Built Around Your Move
Financing can make or break an escrow. Ours is handled in the same office as your purchase or sale, with loan options matched to Southern California price points.
Conventional
Fixed and adjustable options for primary homes, second homes, and investment properties.
? What is this?
The most common loan type, backed by Fannie Mae and Freddie Mac guidelines. Competitive rates for borrowers with solid credit and standard documentation, subject to qualification.
High-Balance Conventional
Conventional financing above the standard loan limit for high-cost areas like ours, without going jumbo.
? What is this?
High-cost counties get higher conforming loan limits. High-balance loans keep conventional guidelines and pricing at amounts that would be jumbo territory elsewhere, subject to qualification.
Jumbo
Financing above conforming loan limits, built for Southern California's move-up and luxury price points.
? What is this?
Many Southern California homes exceed the standard conforming loan limit, so they require a jumbo loan. Guidelines vary by lender and program, and we help you compare structures, subject to qualification.
VA
For eligible veterans, active-duty service members, and surviving spouses. Low or no down payment options.
? What is this?
A benefit earned through service, guaranteed by the Department of Veterans Affairs. Eligibility and entitlement rules apply; we help you confirm yours.
First-Time & Affordable Programs
FHA loans and conventional programs designed for lower down payments, depending on loan program availability.
? What is this?
FHA and certain conventional affordable-lending programs can reduce down payment and income hurdles for qualifying buyers. Program availability and terms vary.
Non-QM
DSCR and other flexible-qualifying options for investors, the self-employed, and complex financial pictures.
? What is this?
Non-agency programs qualify you outside standard rules. DSCR loans, for example, qualify an investment property on its rental cash flow, and extended or interest-only terms can fit complex situations. Subject to qualification.
Home Equity Loan
Turn your equity into cash while keeping your existing first mortgage, and its rate, in place.
? What is this?
A second loan against the equity in your home. Useful for renovations, consolidating debt, or funding the down payment on your next home without refinancing away a low rate. Subject to qualification.
Rate Buydowns
Temporary and permanent buydown strategies, often funded by seller credits in negotiation.
? What is this?
A buydown uses upfront funds to lower your rate, either for the first years (like a 2-1 buydown) or for the life of the loan. Whether it beats a price reduction depends on the numbers.
Refinance
Rate-and-term and cash-out reviews when market conditions move in your favor.
? What is this?
Replacing your current loan to lower the payment, shorten the term, or access equity. We look at the numbers together so the decision is grounded in math, not marketing.
Streamline Refinance (FHA & VA)
Faster refinancing for existing FHA and VA borrowers, with less paperwork and often no appraisal.
? What is this?
If your current loan is FHA or VA, streamline programs (including the VA IRRRL) can lower your rate or payment with simplified documentation, depending on program requirements.
Estimate a Monthly Payment
Estimate only, for illustration. Excludes taxes, insurance, HOA dues, and mortgage insurance. Not a loan offer, rate quote, or approval. All loans subject to borrower qualification and program availability.
Hung T. Nguyen
Broker | Mortgage Loan Originator
NMLS #312166 · CA DRE #01191714
Hung structures the financing behind AMI transactions, from straightforward conventional loans to jumbo, non-QM, and home equity scenarios. Because he works under the same roof as your agent, your loan strategy and your offer strategy are built together.
(714) 794-8559 · Hung@AMIRealtyFinance.com
Explore FinancingEqual Housing Opportunity. AMI Realty & Finance, Inc. | Mortgage NMLS #2856197 | CA DRE #02444819. Verify our licensing at NMLS Consumer Access. All loan programs are subject to borrower qualification, program availability, and change without notice. This is not a commitment to lend.
Nathan M. Le
REALTOR® | Loan Processor · CA DRE #02440801
Nathan represents buyers and sellers across Southern California with a focus on move-up and mid-luxury homes. His clients get more than showings and paperwork: every search and every listing is built around a financing strategy from day one, developed with AMI's in-house loan originator.
That pairing, a dedicated REALTOR® working alongside broker and loan originator Hung T. Nguyen in the same office, is what lets AMI promise one team from first showing to closing keys.
(949) 331-7315 · Nathan@AMIRealtyFinance.com
Explore Nathan's ApproachSouthern California Communities
Deep familiarity with the neighborhoods, school districts, and price dynamics that shape each of these markets.
Irvine
Master-planned villages, top-ranked schools, and strong demand from local and international buyers alike.
Newport Beach
Coastal living from the harbor to the back bay, where presentation and pricing precision matter most.
Laguna Niguel
Hillside neighborhoods and ocean-close value in the heart of south county.
Mission Viejo
Established family neighborhoods around the lake, a classic move-up market.
Rancho Santa Margarita
Planned community living at the foot of the Saddleback foothills.
Yorba Linda
Larger lots, equestrian character, and standout schools in north county.
Anaheim Hills
Canyon views and established neighborhoods with quick access to the entire county.
Guidance Before You Decide
Market Updates
What's actually happening in Southern California real estate, in plain language, based on current market conditions.
Explore UpdatesFeatured Listings
A curated look at current AMI listings and notable homes across our core communities.
Explore ListingsBuyer & Seller Guides
Step-by-step guides for buying, selling, and financing in Southern California, from first conversation to closing.
Explore GuidesStart the Conversation
Tell us where you are in the process. We'll map out the real estate and financing picture together.
Real Estate
Nathan M. Le
REALTOR® | Loan Processor · CA DRE #02440801
Mortgage
Hung T. Nguyen
Broker | Mortgage Loan Originator
NMLS #312166 · CA DRE #01191714