Business Details
14 Years
experience
Trusted Mortgage Solutions in Long Beach, CA
New Horizon Home Loans has established itself as a trusted partner in the mortgage industry since our founding. Our team of seasoned professionals brings decades of combined experience in mortgage lending, specializing in tailored solutions for California homebuyers and refinancers. We pride ourselves on maintaining deep industry knowledge through continuous education and market analysis, ensuring our clients receive the most competitive rates and innovative financing options available.Our commitment to ethical practices and client-centric service has earned us a reputation as a reliable authority in mortgage services, with a track record of successful transactions across diverse client profiles. We demonstrate our trustworthiness through transparent communication, personalized guidance, and a dedication to simplifying the complex mortgage process for every client we serve.
Services
Home Purchase Loans
Home Refinance Loans
Conventional Loans
Jumbo Home Loans
FHA Loans
VA Loans
Details
- Year established: 2012
Highlights and features
- We offer 15+ years of mortgage industry experience with personalized service
- Our team maintains 98% client satisfaction through transparent communication
- We provide access to 10+ specialized loan programs for diverse financial situations
- Our digital document processing system reduces closing times by 30%
- We guarantee rate lock protection for all approved mortgage applications
What people say
Excellent service
Professional team
Knowledgeable staff
Responsive communication
Highly recommend
Services
Home Purchase Loans
Our home purchase loan program provides tailored financing solutions for first-time buyers and experienced homeowners. We offer competitive fixed and adjustable rate options with flexible down payment requirements. Our experienced loan officers guide clients through every step from pre-approval to closing, ensuring a smooth transaction process for new home purchases across California.
Home Refinance Loans
Our refinance solutions help homeowners reduce monthly payments, shorten loan terms, or access home equity. We specialize in rate-and-term refinancing and cash-out options with streamlined documentation. Our team analyzes current market conditions to help clients determine optimal timing for refinancing their existing mortgages.
Conventional Loans
We offer conventional loan programs with competitive rates for borrowers with strong credit profiles. These fixed-rate mortgages require private mortgage insurance for down payments under 20%. Our conventional loan specialists help clients understand loan-to-value ratios and qualification requirements for standard mortgage products.
FHA Loans
Our FHA loan program provides accessible financing for first-time homebuyers with lower credit scores or limited down payment funds. These government-backed mortgages require minimal down payments and offer flexible qualification criteria. Our FHA specialists assist clients through the unique requirements of these insured mortgage products.
VA Loans
We specialize in VA loan programs for eligible military personnel and veterans. These zero-down payment mortgages offer favorable terms with no private mortgage insurance requirements. Our VA loan experts guide service members through the unique benefits and documentation needs of these veteran-specific financing options.
People
Willie Bao
President
Willie Bao brings 18 years of mortgage industry experience to New Horizon Home Loans. He specializes in complex loan scenarios and has helped over 1,500 families achieve homeownership. Willie maintains NMLS certification #327256 and holds a California DRE license #01518506.
Rasy Sor
Senior Loan Officer
Rasy Sor has been a top-performing loan officer since 2008 with expertise in purchase and refinance transactions. She has processed over $500 million in mortgage volume and specializes in first-time homebuyer programs. Rasy maintains current industry certifications and extensive lender network connections.
Questions
What mortgage loan types do you offer?
We offer conventional, FHA, VA, jumbo, and specialized loan programs for first-time homebuyers and refinancing needs.
Do you serve clients outside Long Beach?
We provide mortgage services throughout California, with remote capabilities for clients across the state.
How quickly can you process a mortgage application?
Our average processing time is 17-21 days from application to closing with complete documentation.
Can you help with bad credit mortgage applications?
We specialize in helping clients with credit challenges find suitable mortgage solutions through FHA and other programs.
Do you offer online mortgage rate checks?
Yes, our website provides real-time rate updates and a free refinance advisor tool for personalized rate estimates.
What documentation is needed for pre-approval?
Basic pre-approval requires income verification, asset statements, and credit authorization - we guide clients through each step.
Reviews (3)
John Lee
Mar 03, 2016
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Rasy was the upmost professional with clear communication at all times. She was easily reachable at all times and was quick to respond when there were any issues. She worked with both myself and the listing agent so everyone was on the same page and closed on time. I highly recommend Rasy if you are looking to purchase a home.
Laurence Olen Martin
Jun 19, 2015
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This was my first time refinancing my house. And I'm so glad a co-worker introduce me to Rasy Sor. She's helpful and knowledgeable.....and she's so good on what she does. She made all easy for me and I would definitely recommend her to my friends and family. Thank you again Rasy......
Rakdy Khlok
Feb 15, 2015
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My loan officer, Rasy, was great. I met her sometime ago and casually mentioned that if rates dropped, I'd appreciate a call. Six months later, she did call. I was able to save $150 on my monthly mortgage and she's walked me through the entire refinance process. She was always available to answer questions, even when I asked the same questions several times. I felt like she had my best interest at heart and the loan process was very smooth. I was able to sign documents on a Saturday, most items were completed online, and the notary came to my house. Everything was made very convenient for me. I
