FREE FOR MEMBERS · TWO BOOKS

U.S. financing, finally explained

Two new books by licensed mortgage broker Alan Wen — one on home loans, one on investment and commercial property financing. Join free and read both online in English, 简体 or 繁體.

Join free & start reading See what's inside

EN · 简 · 繁
Phone or computer
Remembers your place

Financing Investment and Commercial Property

Book one · Home loans

The U.S. Home Loan Guide

14 Financing Options and How to Find the One That Fits You

Buying, refinancing or tapping your equity — understand every option before you sign.

For home buyers, homeowners and families

The full journey from application to closing, step by step
14 home financing options explained in plain language
Credit, income, down payment and documents — what really matters
Story-based examples, checklists and a glossary you can come back to

Table of contents (20 chapters)

Part One: The Basics
Chapter 1: How Loan Brokers and Banks Help You Differently
Chapter 2: The Complete Journey from Application to Closing
Chapter 3: How Credit, Income, Funds, and Debt Work Together
Part Two: The Common Paths to a Home
Chapter 4: Conventional Loans
Chapter 5: FHA Loans
Chapter 6: VA Loans and Service Eligibility
Chapter 7: USDA Loans and Geographic Eligibility
Chapter 8: Jumbo Loans
Part Three: When Income Is Hard to Prove
Chapter 9: Bank Statement Loans
Chapter 10: 1099 and Self-Employed Income Loans
Chapter 11: Asset Depletion and Asset Utilization Loans
Chapter 12: Non-QM Jumbo and Complex Income Loans
Chapter 13: Foreign National and Cross-Border Documentation Loans
Chapter 14: Doctor and Professional Loans
Part Four: When You Already Own a Home
Chapter 15: Refinancing to Change Structure or Term
Chapter 16: Cash-Out Refinance
Chapter 17: Home Equity Line of Credit
Part Five: Putting It Into Practice
Chapter 18: Prepare Your Application Documents Correctly the First Time
Chapter 19: Ten Common Problems and How to Respond
Part Six: The Career Path
Chapter 20: Become a Licensed Loan Originator and Join GGR

Join free to unlock the book

English Kindle edition also available: View on Amazon

Book two · Investment & commercial

Financing Investment and Commercial Property

11 Practical Loan Options for Investors, Landlords, and Business Owners

DSCR rentals, fix & flip, bridge, commercial property and SBA — how investors and business owners really get financed.

For investors, business owners and loan professionals

11 commercial and investment loan solutions, side by side
How lenders look at property cash flow, not just your paycheck
Borrowing through an LLC or company — what to prepare
Ten case studies and how to spot real financing needs around you

Table of contents (17 chapters)

Part One: Commercial Is Different
Chapter 1: Start with Use of Funds, Property, and Repayment Source
Chapter 2: Borrowing Through an LLC or Company
Chapter 3: From Project Summary to Funding
Part Two: Investment Residential
Chapter 4: DSCR Rental Property Loans
Chapter 5: Rental Portfolio Loans
Chapter 6: Fix and Flip Financing
Chapter 7: Ground-Up Construction Financing
Part Three: Commercial Property
Chapter 8: Small Multifamily and Mixed-Use Property
Chapter 9: Commercial Permanent Loans
Chapter 10: Commercial Refinancing and Equity Access
Chapter 11: Owner-Occupied Commercial Property Loans
Part Four: Short-Term Bridge Capital
Chapter 12: Investment Residential Bridge Loans
Chapter 13: Commercial Property Bridge Loans
Part Five: Small Business
Chapter 14: SBA Financing Uses and Special Process
Part Six: Finding the Opportunities
Chapter 15: How to Recognize Financing Needs Around You
Chapter 16: Ten Integrated Financing Scenarios
Part Seven: Join Us
Chapter 17: Become a Commercial Financing Business Development Partner

Join free to unlock the book

English Kindle edition also available: View on Amazon

Who these books are for

Home buyers & homeowners

Know your options before you talk to anyone — purchase, refinance, first-time buyer programs and more.

Get a free quote

Investors & business owners

Rental, fix & flip, bridge, commercial property and SBA financing — nationwide investment lending.

Explore investor loans

Loan officers & commercial members

Licensed MLOs can apply to Golden Gate. Unlicensed commercial referral members join Peace of Mind Financial Group.

Choose your path

Free membership

Join free and start reading in a minute

Both books, complete — read online any time
English, Simplified and Traditional Chinese editions
Works on phone, tablet and computer; picks up where you stopped
No password — sign in with a one-time email code
Free, no obligation, unsubscribe any time

English Kindle editions are now on Amazon. The Google Play Books and Apple Books editions have been submitted for review; store availability is pending.

Common questions

Is it really free?

Yes. Membership is free and both books are included. There is nothing to buy and no obligation to apply for a loan.

Can I download a PDF or ebook?

There is no PDF or ebook download from this site. Members read all three languages online here, on phone or computer. The English Kindle editions are also on Amazon. Google Play Books and Apple Books editions have been submitted for review; availability depends on each store.

Which languages are available?

English, Simplified Chinese and Traditional Chinese. Switch any time while reading — you stay on the same chapter.

Is this financial advice or a loan offer?

No. The books are general education. Every situation is different — when you are ready, a licensed team member can review yours. We are a mortgage broker, not a lender; approval and funding decisions are made by the lender.

Golden Gate Realty and Finance Inc | CA DRE License #02361979 | NMLS #2776762

Principal Broker: Alan Wen | CA DRE #01812220 | NMLS #356521

Equal Housing Opportunity | Licensed in California