Chinh Phan, Loan Officer
Let's cut through the complexity together, with straight answers, options built around your situation, and one trusted guide from start to finish.
Start here
Answer a few quick questions and Chinh will walk you through the loan options that fit your situation. It takes about a minute and does not affect your credit.
Already own?
Tell us a little about your current mortgage and your goals, and we will lay out what refinancing could look like for you.
How it works
Answer a few questions online or over the phone. No credit pull, no obligation.
Chinh compares loan options from wholesale lenders and walks you through a prequalification, so you know where you stand.
When you are ready, complete your application and Chinh guides you from start to finish. One trusted guide, no handoffs.
Meet your loan officer
Chinh Phan is a loan officer with Integrity Home Lending, LLC who helps homebuyers and homeowners with purchases, cash-out and rate-and-term refinances, non-QM loans, and financing for self-employed borrowers and real estate investors. She also enjoys guiding first-time homebuyers through every step of the process.
Before moving into origination, Chinh spent years at Wells Fargo Home Mortgage working the back end of the business, handling bankruptcy, foreclosure, loan modification, and collections. That experience gives her a deep understanding of how a loan actually comes together and how to keep a file on track. Her clients keep coming back and sending referrals, which she considers the best measure of a job done right.
Outside of work, Chinh is family oriented, with dinner together every night and a big gathering of family and friends every weekend. She loves reading, singing, board and card games, and catching the Olympics and the World Cup at her local spot, Hickory Tavern.
FAQ
Here are answers to what borrowers ask most. Still not sure? Reach out and Chinh is happy to help.
Integrity Home Lending, LLC is a licensed mortgage lender and broker. Instead of offering one bank's products, we shop your scenario across our network of wholesale lenders and present the options that fit. You work with one guide from start to finish.
A prequalification is an early review of the information you share with us, used to outline the price range and loan options that may fit your situation. It is not a loan approval or a commitment to lend. Full approval happens later, after a complete application and underwriting review.
No. The questions on this page do not involve a credit check. A credit review only happens later in the process, with your permission.
Typically pay stubs, W-2s or tax returns, bank statements, and identification. Chinh will give you a simple checklist based on your situation, and self employed borrowers may have a few additional items.
Timelines vary by transaction and lender, and many purchases close within about 30 days of going under contract. Chinh will set expectations for your specific scenario up front.
Book a time
Pick a time that works for you and Chinh will call you then.
NMLS #2412324 | Chinh Phan, NMLS #1484254
Integrity Home Lending, LLC is a licensed mortgage lender and broker. This page is for informational purposes only and is not a commitment to lend, a loan approval, or an offer of specific rates or terms. Not all applicants will qualify. Programs, terms, and conditions are subject to change without notice.
Verify our licensing at www.nmlsconsumeraccess.org.
Chinh Phan, Loan Officer
Integrity Home Lending, LLC
704-654-5600
CPhan@IH-Lending.com
