OUR STORIES
Vera Chang
Meet Vera Chang – Mortgage Loan Officer | Trusted Home Financing Expert Across 23 States
Are you searching for a reliable, experienced mortgage loan officer who can guide you through home loans, real estate investment financing, or non-traditional mortgage solutions? Vera Chang is your trusted resource. With a track record built on professionalism, responsiveness, and industry expertise, she helps homebuyers, real estate investors, and self-employed professionals navigate today’s mortgage landscape with confidence.
💼 Background in Real Estate, Finance & Mortgage-Backed Securities
Vera began her real estate journey with a Master’s degree in Real Estate Investment from Tongji University, later managing multi-million-dollar development projects at Poly Real Estate Group in Shanghai. After relocating to the U.S., she earned a Finance degree from Johns Hopkins University and worked in interest rate risk management and mortgage-backed securities (MBS) analysis at Capital One’s corporate headquarters.
This unique foundation allows Vera to offer much more than traditional loan officers—she understands the full financial picture from underwriting to bond pricing.
🏠 Your Go-To Mortgage Advisor for Home Purchase, Refinance, and Investment Loans
Vera is now a licensed mortgage loan originator at General Mortgage Capital Corporation (GMCC), a national direct lender offering more than 100 loan products in 20+ states. Her expertise includes:
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Conventional loans
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Jumbo loans up to $5M
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Non-QM loans
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Bank statement loans
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DSCR loans (Debt-Service Coverage Ratio)
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Investor cash-flow programs
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Loans for foreign nationals
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Bridge loans and asset depletion programs
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First-time homebuyer programs
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Refinance and cash-out refinance
🌎 Licensed in 23 States – Serving Virginia, Maryland, DC, California, Florida, Texas, and More
Whether you're buying a primary residence in Virginia, investing in property in California, or refinancing a second home in Florida, Vera provides personalized solutions across a wide range of markets.
She is fluent in both English and Mandarin, making her a trusted resource for Chinese-speaking homebuyers and investors across the U.S., Canada, and beyond.
⭐ Why Clients Trust Vera
“Extremely knowledgeable and professional.”
Clients consistently highlight Vera’s deep expertise:
“Ms. Chang is very knowledgeable, and professional. She guided us patiently through what was a very complex process…”
Patient, clear guidance from start to finish.
She takes the time to explain every detail, ensuring confidence and clarity:
“She patiently answered all our questions, helped us understand our options, and made sure everything moved smoothly from start to finish.”
Reliable and detail‑oriented—again and again.
Repeat clients appreciate her consistent, dependable service:
“This is my second time to use Vera’s service. Vera made my mortgage experience feel very simple and easy… she is really a very knowledgably and reliable mortgage broker.”
Resourceful problem-solver who finds solutions.
Whether the loan path seems straightforward or complex, Vera navigates each challenge deftly.
Google reviews echo: “Always promptly responded with clear answers. Rich experiences dealing with unexpected issues.”
🔑 What This Means for You
Benefit What Clients Experience
Expert Guidance Navigate complex loans with ease
Responsive SupportReach Vera from application to closing
Trust & ReliabilityClients come back and refer others
Problem ResolutionUnexpected issues? She’s got you covered
With Vera, you’re not just getting a loan—you’re gaining a strategic ally who simplifies even the most complicated financing scenarios.
💬 Client Testimonials & Referral Network
Clients include:
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University professors
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Tech entrepreneurs
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Small business owners
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First-time buyers
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International real estate investors
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Retirees relocating or downsizing
Vera’s business is built almost entirely on referrals from satisfied borrowers, real estate agents, and builders, who appreciate her accuracy, follow-through, and market knowledge.
🔑 Your Partner in Real Estate Finance
From pre-approval to closing, Vera walks with you every step of the way. Her mission is to educate, empower, and deliver the best mortgage solution for every client—whether you’re buying your first home, upgrading, or growing your rental portfolio.
📞 Contact Vera Chang Today
Get personalized mortgage advice from a loan officer who understands your goals—and delivers.
Call/text: (347) 688 9191 / (571) 677 5515
Email: vera@verachangmortgage.com
Apply online: Mortgage Lending - Vera Chang
Client Success Story:
Smart Jumbo Loan Strategy: Turning a High DTI Into a Closed Deal
Client Profile
A seasoned California-based investor with a full-time W-2 income and an impressive real estate portfolio, including ownership of 10 additional investment properties.
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Closing Date: October 21, 2024
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Loan Amount: $2,000,000
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Loan-to-Value (LTV): 75%
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Loan Type: Jumbo Loan
The Challenge
The client faced a significant obstacle: a high debt-to-income (DTI) ratio driven by multiple existing mortgages, including one on their departing residence. In addition, many lenders limit the number of allowable financed properties, further complicating the approval process for experienced investors like this client.
Our Solution
Rather than treating the DTI as a disqualifier, we took a strategic approach. By applying an asset depletion income strategy, we leveraged the client’s overall financial strength—beyond just their salary. We then matched them with a jumbo loan program that allows up to 20 financed properties, one of the few in the market. To top it off, we secured a below-market interest rate, giving the client additional room on their DTI calculation.
The Result
We successfully navigated underwriting and closed the $2M loan within 30 days, right on schedule. This case is a testament to the power of creative financing solutions and a deep understanding of investor lending guidelines.
Vera Chang NMLS# 2158666
Branch Manager | General Mortgage Capital Corporation (GMCC)
📍Licensed in over 23 states | Specializing in Jumbo, Non-QM, and Investor Loans
📞 571-677-5515 | 347-688-9191
📧 Vera.Chang@gmccloan.com
www.verachangmortgage.com
Successful Non-QM Mortgage Solution for a Self-Employed Buyer in McLean, VA
Client Overview:
A self-employed dentist relocating from out of state to McLean, Virginia, faced significant obstacles in obtaining mortgage financing. With just 9 months of work history in his current role and earning 1099 income, he did not meet the strict requirements of traditional mortgage programs. Despite strong earnings, his non-traditional income and limited employment history led to multiple denials from conventional lenders.
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Loan Amount: $600,000
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Loan-to-Value (LTV): 70%
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Property Type: Primary Residence
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Loan Program: Non-QM 3-Month Personal Bank Statement Mortgage
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Closing Date: May 2025
The Challenge:
The borrower had already been turned away by several banks and mortgage brokers. He was living in temporary housing and on the verge of losing a $30,000 earnest money deposit. Time was critical, and standard underwriting guidelines left no flexibility for his unique financial profile.
The Solution:
After discovering Vera Chang, a top-producing loan officer and GMCC’s DMV Branch Manager, through Google and reading numerous positive client reviews, the borrower reached out for help.
Vera immediately recognized that the client was an ideal candidate for a Non-QM (Non-Qualified Mortgage) solution. She structured a bank statement loan using just 3 months of personal bank statements, eliminating the need for tax returns, W-2s, or a full 2-year employment history. Vera leveraged her experience and network to secure an investor exception, fast-track the underwriting process, and lock in a competitive interest rate.
The Result:
✅ Clear-to-close in just 9 days
✅ Earnest money deposit protected
✅ Competitive Non-QM mortgage rate
✅ Client successfully purchased his home and moved out of temporary housing
This successful closing is a testament to Vera’s deep knowledge of Non-QM lending, her commitment to finding creative financing solutions, and her dedication to delivering results—especially when others say no.
Work With a Trusted Mortgage Expert
If you're self-employed, new to your job, or have complex income, don’t let traditional lending rules hold you back. Whether you're buying in Virginia, Maryland, DC, California, or any of the 20+ states Vera is licensed in, she can help you navigate the mortgage process with confidence.
Contact Vera Chang, Branch Manager, NMLS #2158666
📍 GMCC – General Mortgage Capital Corporation
📞 571-677-5515 / 347-688-9191
📧 Vera.Chang@gmccloan.com
www.verachangmortgage.com