David Allen Rivas wants to give you options of people you would like to work with for your pre approval.  Please select your lender from the following Mortgage Brokers.  If you are dealing directly with a bank let me know so I can hook you up with our prefered banking lenders.

What's the difference?  Banks are tied to one product.  Mortgage Brokers have a portfolio investors to choose from.

Hard working person; Heather Kulp;

Heather Kulp

Phone : 408-975-2400 ext.125
Email : Heather@mortgagemagic.com

Click HERE for Bio

CalBRE #  00774572
MLO #  256439

Entering the real estate industry started by first dabbing in buying and selling real estate on a personal level. Almost 40 years later, it has been a pleasure in successfully helping hundreds of clients achieve their dreams.

Being a Mortgage Loan Broker has been without a doubt a very challenging career in this ever changing real estate market. I have had the pleasure of wearing many hats over these years. The hat I currently wear today is that of a senior loan agent. In the past I have also filled the role of a mortgageoffice manager, bookkeeper, underwriter, trainer, mentor, trouble shooter and processor. It is important to me to give my clients honest advice which will be realistic solutions to their personal financial needs. It is my passion to help others obtain their home loan goals. It is also of utmost importance to keep alert for the “red flags” along the way in the best interest of my clients. It would be an honor to be of service to you if you are in need of a home loan


Next is Alicia;

Alicia Zhao

Alicia is a knowledgeable, caring, and trustworthy mortgage broker. Since 2002, she has patiently and successfully guided many people to realize their homeownership dreams and to build their wealth from real estate investment. As a mortgage broker, Alicia has access to a wide variety of lenders, from banks and credit unions to wholesale lenders. She constantly keeps herself up to date on the newest loan programs that are available to consumers. As a result, Alicia is widely known among realtors and investors as being an expert at solving difficult loan scenarios and saving deals that run into loan difficulties at retail banks.


Alicia has a wide range of loan products to fit various homebuyers’ needs:

-        First time homebuyers with 10% down up to $1.89M purchase price

-        First time homebuyers with 0% down, zero closing costs, up to $752,000 purchase price

-        Easy qualifying loan programs for move-up buyers to maximize their purchasing power (without counting payments on current home)

-        Numerous new loan programs for self-employed borrowers, without income verification

-        Creative loan programs for investors

-        Rehab loans for fixer-uppers, home improvements

-        And others such as short credit history, low credit scores, DACA buyers, high debt ratio, reverse mortgage, etc.


Alicia Chen Zhao       

Broker Associate

NMLS#: 305774. BRE#01351874

The Loan Story

275 Saratoga Ave. Suite 220

Santa Clara, CA 95050

Ph:     650.544.3789




I've got your Back.

I want you to feel that you got the loan that suits you best. With my license as a loan Officer and my 15 years of experience in the home finance industry, serving in the capacity as a mortgage branch office manager, production assistant, and business liaison, you can be confident you will get excellent service.  My background affords me an unparalleled perspective of the home loan process.  I bring an avid understanding of underwriting guidelines, a passion for proactive solutions and compassionate demeanor to each purchase, refinance and consultation.

CONTACT me today to get started

Diana Legaspi
Loan Officer
155 E. Main Ave Suite 170
Morgan Hill, CA 95037
O: (408) 825-7042 | M: 408-209-6328 | F: 888-803-1556
NMLS# 1175742 | Company NMLS # 3274
Equal Housing Lender
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