About Me
My career truly started when my wife and I purchased our first home. We were taken aback from the lack of professionalism and disregard for client care with our lender. We both found this not only frustrating, but it personally painted a poor picture for the rest of the industry, and I knew it could be done better, with more concern for the client.
I pride myself on a fundamental foundation of excellent client care. I have a clear mission- to educate my borrowers and provide guidance that is ALWAYS in their best interest. My communication is transparent, and I do all of the work up front so there are no surprises when we get to Underwriter review. Your time is valuable, and should not be wasted. After all, the most important person in the transaction is you. You matter to me.
First Time Home Buyer Mortgage Educator
I am highly experienced in the following origination programs:
- FHA
- VA
- Conventional
- Alternative Income Documentation
- Bank Statement Loans for Self Employed/Entrepreneur
- 1099, W2, Assets
- DSCR (Debt Service Coverage Ratio) for Real Estate Investors
- 1031 Exchanges
Calculators
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Mortgage Calculator
Using a mortgage calculator can help you calculate monthly payments on a home loan.
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Refinance Calculator
Use our refinance calculator to determine whether the costs of refinancing into a new home loan makes sense for your financial situation.
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Mortgage Affordability Calculator
Use our mortgage affordability calculator to see how much home you can afford.
Get Started with Trevor Otsuka – Mortgage Advisor
Why Finance of America Mortgage?
We’re not about pushing loan papers. We’re about moving your dream forward. And we do that through knowledgeable local advisors, a personal approach, and a variety of smart loan options.
$105B+
330+
Loans That I Specialize In
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Jumbo Loan
Jumbo LoanFor homebuyers who need larger loan amounts, these loans feature interest-only, adjustable rate, and fixed rate options.
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USDA Loan
USDA LoanWith no downpayment and no closing cost options, these loans are ideal for homebuyers settling in designated USDA rural areas.
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VA Loan
VA LoanQualified veterans, reservists, active service members and spouses can take advantage of zero downpayment requirements with this loan.
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Additional Loan Offerings
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Fixed Rate Loan
Fixed Rate LoanOffering predictable payments and protection against rising interest rates, this loan is ideal for homebuyers who prefer fixed monthly payments.
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FHA Loan
FHA LoanLow downpayment and flexible requirements for income, debt and credit make this loan ideal for homebuyers with limited savings.
Learn More about FHA Loan
Frequently Asked Questions
The total number of properties you may look at will depend on several factors, such as your budget and the housing availability in your area. In general, real estate agents recommend that homebuyers look at several properties before making a decision, but there is not an exact number. Most people look at 10 homes, at a minimum, so they can compare them. However, you may find the dream house with more or fewer searches.
When it comes to the best home buying tips, there are different ways to search for properties. Statistics from the National Association of REALTORS® reveal that 51 percent of buyers searched and found their homes on the internet, while 30 percent used real estate agents. Other ways to search for homes include asking friends, relatives, neighbors and homebuilders for help. A small percentage of homebuyers used newspaper advertisements and yard or open house signs to search for homes.
Although a pre-approval is not one of the required steps to buying a house, it can certainly help you stand out in a competitive market with many buyers. A pre-approval can show sellers that you’re serious and capable of getting a mortgage, so they may be more likely to accept your offer.
