Olaie
Cindy Liu, founder of Olaie

FINANCING

Your broker wrote the book on mortgage rate shopping.

Cindy Liu, MBA, is a broker at Olaie and, in a separately licensed role, a mortgage loan originator with Loan Factory. If you choose, one person handles your home search, your offer and your loan. She also wrote Rate Shopping Done Right, a guide for first-time buyers in English and Chinese.

Olaie is a real estate brokerage, not a lender or mortgage broker. I originate loans separately through Loan Factory, Inc. You may choose any lender without changing Olaie's services or fees.
Yi (Cindy) Liu, MBACA DRE #02127790 · WA managing brokerMortgage loan originator · NMLS #1949304 · Loan Factory, Inc., NMLS #320841
Ask about financingSee loan programs

LOAN PROGRAMS

Programs for most situations.

Offered by Loan Factory, Inc. through its lender network. Ask Cindy which ones fit you.

  • BUY

    Conventional

    The most common home loan, including programs for first-time and moderate-income buyers.

    • Conforming
    • Adjustable-rate (ARM)
    • HomeReady®
    • Home Possible®

  • BUY

    Government-backed

    Loans insured or guaranteed by federal agencies, with their own eligibility rules.

    • FHA
    • VA
    • USDA

  • BUY

    Jumbo

    For homes priced above the standard conforming loan limits.

    • Jumbo

  • SELF-EMPLOYED & NON-TRADITIONAL INCOME

    Alternative documentation

    Qualify with bank statements or assets instead of W-2s and tax returns.

    • Bank statement
    • Asset qualifier
    • Foreign national

  • INVESTORS

    Investment property

    Qualify on the property's rental income rather than personal income.

    • DSCR

  • OWNERS

    Refinance and home equity

    Refinance, take cash out, or borrow against your home's equity.

    • Rate-and-term
    • Cash-out
    • FHA Streamline
    • VA IRRRL
    • HELOC
    • Reverse mortgage (62+)

Programs are offered by Loan Factory, Inc. (NMLS #320841), not Olaie. Not every program is available in every state or to every borrower. Eligibility, rates and terms are set by the lender, and this page quotes none of them. HomeReady® is a registered trademark of Fannie Mae; Home Possible® is a registered trademark of Freddie Mac.

One person, from your home search to your mortgage.

  1. Find the home

    Cindy Liu represents you through Olaie, from search to negotiation and closing.

  2. Choose your lender

    If you choose, Cindy can take your loan application in her separate role with Loan Factory, Inc. (NMLS #320841), starting with a pre-approval letter before you make offers, so your offer and loan timelines are planned together. Or use any lender. Your choice does not change Olaie's services or fees.

  3. Close on one timeline

    Cindy plans your offer deadlines, appraisal and loan approval together, and keeps you updated on both through closing day.

THE BOOK

Rate Shopping Done Right

How to compare mortgage quotes on the same basis using the Loan Estimate: rate versus APR, points, lender credits and closing costs. Under 50 pages, in plain language. Educational, not an offer of credit.

  • Cover of Rate Shopping Done Right by Cindy Liu

    ENGLISH

    Rate Shopping Done Right

    Paperback and Kindle · Free to read with Kindle Unlimited

    View on Amazon ›
  • Cover of the Traditional Chinese edition by Cindy Liu

    繁體中文 · TRADITIONAL CHINESE

    美國貸款利率比價的正確姿勢

    Kindle · Free to read with Kindle Unlimited

    View on Amazon ›
  • Cover of the Simplified Chinese edition by Cindy Liu

    简体中文 · SIMPLIFIED CHINESE

    美国贷款利率比价的正确姿势

    PDF

    Ask Cindy for a copy ›

As the author, Cindy Liu may earn royalties on sales; Olaie receives nothing from them.

FAQ

Does Olaie make or arrange loans?
No. Olaie is a real estate brokerage and holds no mortgage license. Loans are originated by Yi (Cindy) Liu (NMLS #1949304) in her separate role with Loan Factory, Inc., an independent company.
Do I have to use Cindy or Loan Factory for my loan?
No. Use any lender or mortgage broker. Your choice has no effect on Olaie's services or fees.
Does Olaie get paid when a client finances through Loan Factory?
No. Olaie receives no fee, split, or other thing of value from Loan Factory or from any loan. Cindy is paid by Loan Factory for her loan work, separately from any real estate commission, and her loan compensation is disclosed in writing before closing.
Can the same person be my broker and my loan originator?
Yes, in most cases. Washington and California allow one person to be both your real estate broker and your loan originator on the same purchase. If a lender’s or loan program’s rules don’t allow it, Cindy will help you find another lender and stays your real estate broker.
Does a feng shui reading affect my financing?
No. Feng shui readings* play no part in any loan decision. If you like, Cindy can suggest auspicious dates (良辰吉日) for signing and closing, within your contract and rate-lock deadlines.

Ask about financing

Text Yi (Cindy) Liu (NMLS #1949304) at 206-660-8359, email her at yi.liu@loanfactory.com, or visit her Loan Factory page. Olaie hosts no loan application.

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All mortgage products and information are provided by Loan Factory, Inc., NMLS #320841 (Washington Consumer Loan Company License CL-320841; California DRE #01771313), 2195 Tully Road, San Jose, CA 95122. NMLS Consumer Access: www.nmlsconsumeraccess.org. Yi (Cindy) Liu, Mortgage Loan Originator, NMLS #1949304; California real estate broker with Olaie Corporation, DRE #02127790; Managing Broker, Olaie LLC (Washington). Olaie Corporation (California DRE #02170101) and Olaie LLC (Washington real estate firm) are licensed real estate brokerages, not lenders or mortgage brokers; Olaie publishes no interest rates or loan terms and receives no compensation on any loan. Feng shui readings on this site are provided by DwellSoul, LLC, and play no part in any loan. Equal Housing Opportunity.