Julie Chen
资深房贷顾问 · Union Lending
Flushing, New York
关于 Julie
从业十余年，我亲手帮助数百个华人家庭拿到了房贷——包括被大银行拒贷的餐馆老板、刚来美国没有信用记录的新移民、用ITIN报税的自雇人士、以及管理多套投资房的资深房东。
我专注服务华人社区的特殊贷款需求。主流银行不理解华人的收入结构，但我理解。情况再复杂，我都帮你找到方案。
国语、英文、福州话，全程用您最舒适的语言沟通。每一个条款都解释清楚，不让您签任何不理解的文件。
About Julie
Julie Chen is a senior mortgage consultant at Union Lending, based in Flushing, New York. She specializes in helping Chinese-American families, new immigrants, and self-employed business owners navigate the U.S. mortgage process — especially in situations where traditional banks say no. Fluent in Mandarin, English, and Fuzhounese, Julie has guided hundreds of borrowers through complex lending scenarios including bank statement loans, ITIN mortgages, foreign national purchases, and multi-state investment properties across 25+ states. Her clients include restaurant owners, e-commerce sellers, nail salon operators, medical professionals, tech workers on H-1B visas, and retirees using asset depletion programs.
Specialized In
Self-Employed Lending
Bank statement loans for business owners — restaurants, nail salons, e-commerce, medical practices. No tax return needed.
Immigration Mortgages
ITIN, H-1B/L-1/O-1, green card, EB-5, and foreign national home purchases.
Investment Properties
DSCR, multi-family, commercial, and construction loans for building long-term wealth.
First-Time Buyers
First-time buyer guidance, credit building, down payment strategies, and the full mortgage process.
Refinance Solutions
Rate-and-term, cash-out, and HELOC to lower payments, consolidate debt, or fund investments.
Julie 的文章 · Articles by Julie
有贷款问题？直接找我聊
不管是第一次买房、再融资、还是投资房贷款——说清楚您的情况，我来帮您找方案。
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