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Lili Liu  Nmls#382645
Sr. Loan Officer

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Recommended Real Estate Agents

Jay Yu         
Re/Max Universal                                                                  
17B Firstfield Rd #208                                                             
Gaithersburg, MD 20878                                                         
Cell: (301) 529-3985                                                                  
Office: (301) 292-1000                                                            


I have worked with Jay Yu for several years and settled many purchases on time. Jay is very professional and knowledgeable in the real estate field. He cares about clients and  thinks ahead for clients' need. On the mortgage side, he is detail oriented and recommends clients to check with me all the possible scenarios to select the best program and rate. Jay is quick actioned and efficient. From the cooperation, I can see he puts clients' interest the first and equips clients with knowledge regarding home buying and financial planning. Definitely he is a wonderful realtor every buyer can rely on! Feel free to check out his profile at

Debbie Hsu Team
RE/MAX Town Center
12505 Park Potomac
Ave #220
Potomac, MD 20854
Direct: 240-476-4355   

Office: 301-637-9762

Debbie is a good friend and close sister in Christ for years. She is a responsible, organized and very nice real estate agent. From the beginning of cooperation with her, she has been impressed me with her positive attitude and expertise in this competitive real estate market. She is responsive and always answers your phone. We pray together during the transaction processing. All the transactions we worked together have been smoothly settled to clients satisfaction. Feel free to check out her profile at  

2nd Loan & HELOC Lender :

Xiaowen ( Helen ) Lu
Germantown Branch
First National Bank
20300 Seneca Meadows Pkwy 
Germantown, MD 20876
Phone: 301-528-9900
Fax: 301-528-4420
Nmls#: 1618202

Helen Lu is a trustworthy 2nd loan & Home equity line of credit (HELOC) provider. Her employer First National Bank provides most favorable rates and terms based on credit scores,  loan to value and other parameters. The Heloc rate starts at a very low initial promotional rate for about 6 months and then rate would be adjusted yearly based on a formula tied to Prime Rate. Feel free to check with her about the 2nd loan option.




Purchasing a home is probably one of the biggest investments you'll ever make in your lifetime we are here to help.
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We can help you lock in a long term fixed rate or refinance and get cash out.
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FHA loans

There are lots of good reasons to choose an FHA loan.
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