Independent mortgage broker · Licensed in California Derek Shao · NMLS 242117 · DRE 01358261 310-869-5678

Service areas

Licensed statewide. Rooted in Southern California.

Every market has its own way of complicating a mortgage — Mello-Roos in Orange County, HOA warrantability in the San Gabriel Valley, appraisals in the high desert. Here's what changes by region.

Not on this list? Emory Financial is licensed throughout California and has placed loans in 192 cities across the state, including Ventura and Santa Barbara counties, San Diego County, the Santa Clarita Valley and Northern California. These pages cover the regions where we work most often — they aren't the boundary. Get in touch wherever your property is.