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Stephen Ching, (NMLS ID 240170)

Stephen Ching

Senior Loan Advisor

NMLS ID: 240170

If you’re thinking about purchasing or refinancing a home, I’m here to guide you through the process—from application through closing.

Apply Now Contact me

4040 Barranca Parkway, Suite 215

Irvine, CA 92604

About Stephen Ching

Buying a house means more than finding a place to live. It’s one of the biggest financial decisions you’ll ever make—but you don’t have to go at it alone.

 

As your home loan advisor, I am genuinely interested in your financial success. I want to listen to your story and understand your financial goals. From there, I can build a personalized mortgage solution for your unique needs. Flagstar Bank has more than 600 different home loans available, so we are certain to have the right mortgage for nearly every situation.

 

With over 30 years of experience in home lending, Flagstar knows what it takes to get you to closing as quickly and as smoothly as possible. I will keep you informed every step of the way to give you peace of mind about your new home.

 

Whether you are moving around the corner or across the country, you can rely on me as a trusted resource. I have a deep understanding of the local housing market, and I can originate loans in all 50 states. After you buy your home, contact me when it’s time to refinance, remodel, or buy a second home. And if you’re an investor, I can build a competitive mortgage to finance your investment properties.

 

Contact me today to get started.

Mortgage Specialization

  • Jumbo Loans

Languages Spoken

  • English

Client Testimonials

Hear what my previous clients have to say about my work.

Vincent J.
“Stephen Ching made the entire process of refinancing our home virtually effortless. We provided the documents he requested, and from that point, he was thorough courteous and very patient with answering all my questions. ”
Leanne L.
“Buying a house is stressful, and our particular circumstances were unusual, but Stephen was committed to getting it done and always kept us updated every minute of the day. I would highly recommend Stephen and will be back for our refinance! Thank you! ”
Brandie H.
“I will refer friends and family to Stephen and Brandon. Brandon Johnson did a fantastic job, and I was delighted with the communication and results! I was informed of the current and the next steps.”
Connie T.
“Stephen Ching was patient and professional and helped to guide me through the process from start to finish. He is the reason I refinanced with Flagstar Bank and would not hesitate to recommend Stephen to others looking to refinance! ”
Jeffrey W.
“Stephen and Brandon did a great job of getting us through the process. Thank you. ”
Irma R.
“I have been a client of Stephen Ching for many years. He is very responsive and answers my questions on time. He has excellent customer service, and I always have a fantastic working experience with him. He is a true asset to your organization. Thank you.”
Bradley J.
“Brandon Johnson exceeded our expectations and was always available to answer questions or solve any issues. Excellent customer service and comprehensive communications,”
Jerrold B.
“I brag about Stephen and his team to my friends all the time. And if I even hear of someone buying a home, I tell them they should go with these guys, and I think that pretty much says it all. ”

Why Flagstar

Why choose Flagstar? Because we’re powered by our Human Interest Rate – the interest in our customers that powers mortgage solutions built around their unique needs.
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What to Expect

We get it: Purchasing a home or refinancing your mortgage is a big deal, and having a relationship with the right lender is essential. Get started by connecting with an experienced and trusted Flagstar home loan advisor. Starting on Day 1, we'll work with you to find the type of loan that suits your needs, and guide you through the lending process to make it as smooth and stress-free as possible.

Please select your lending process

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STEP 1

Pre-qualify & Gather Financials

Submit your financial information and we’ll give you a personalized estimate for your loan.

STEP 2

Pre-approval

Once you’re pre-approved, we’ll coordinate with the escrow or title company.1

STEP 3

Loan Review

Once your offer is accepted, we'll pass along your information to our underwriters to lock your mortgage interest rate.

STEP 4

Loan Approval

Once our underwriters approve your loan, we'll get you ready for closing.

STEP 5

Close & Receive Your Funds

We’ll close your loan and wire your funds into escrow so you can complete your home purchase.

 

1A preapproval is an initial determination of an applicant's ability to borrow up to a certain amount. It is based upon certain assumptions resulting from an initial review of incomplete credit information criteria. A preapproval is not an approval of a completed application nor is it a commitment to lend or a guarantee of any particular loan product, features or terms. Final loan approval follows a comprehensive analysis of an applicant's creditworthiness, the satisfaction of all product-specific underwriting requirements and conditions and property acceptability and eligibility.

STEP 1

Loan Application

Complete a loan application online, and submit the necessary financial documents.

STEP 2

Appraisal

We'll conduct an appraisal of your property to determine its current value.

STEP 3

Underwriting Approval

Once our underwriters approve your loan, we'll get you ready for closing.

STEP 4

Loan Signing & Funding

We'll close your loan and wire your funds into escrow so you can access your funds.

Financial Calculators

If you're looking to buy a new home, we're here to help you plan ahead and see how much your mortgage may cost. Figuring out monthly mortgage payments is an important part of financing your home, sweet home. Enter the potential cost of your property and loan information into our mortgage payment calculator to see the breakdown of your estimated monthly payments and overall expected loan payoff schedule.

Monthly Mortgage Payment Calculator
Stephen Ching, (NMLS ID 240170)

Stephen Ching

Senior Loan Advisor

NMLS ID: 240170

If you’re thinking about purchasing or refinancing a home, I’m here to guide you through the process—from application through closing.

Apply Now Contact me

4040 Barranca Parkway, Suite 215

Irvine, CA 92604

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Stephen Ching, (NMLS ID 240170)

Stephen Ching

Senior Loan Advisor

NMLS ID: 240170