Your Trusted Loan Advisor
Hi, I am Frank! Whether you’re a first-time buyer, investor, foreign national, or self-employed, I’ll help you find a tailored loan option that aligns with your financial goals. Save more, borrow smarter.
Stay ahead of the market and subscribe my Rates Newsletter!
Frank Du
Licensed Loan Officer in WA, NMLS# 2492351
Core Advantages
Fast Approvals
I specialize in solutions banks often decline, from foreign nationals to self-employed borrowers.
Competitive, Transparent Rates
No surprises. You get clear numbers upfront and the best options available for your situation.
Tailored Loan Strategies
Every borrower is unique, your loan plan is designed around your financial goals, not a one-size-fits-all template.
Featured Loan Programs
No Income No Tax Return Loan
Perfect solution for foreign nationals, retirees, Self-employed borrowers, investors, Cash-out refinance without income proof
✔ No income verification
✔ No tax returns required
✔ Assets qualification
✔ DSCR for investment property
Full Docs Loan
Best for 1st home buyers, Jumbo loan clients, FHA/VA buyers, Borrowers seeking the most competitive rates
✔ Rates as low as A-paper lenders
✔ Jumbo up to $10M
✔ FHA/VA available
✔ Traditional income verification
Speciality Programs
DSCR Loan
Rental Property Loan Program. Buy investment properties, and secure low rates!
Key Features
- No Debt-to-Income (DTI) requirement — even a zero ratio is acceptable
- Short-term rental (e.g., Airbnb) allowed
- Minimum 20% down payment with no reserve requirement
- Minimum 30% down payment with no need to verify large deposit source
- Conditions apply
Jumbo Loan
Loan amount starting from $806,501.
1/6, 3/6, 5/6 ARM options
Key Features
- Fixed & ARM options
- Up to 80% LTV
- Up to 45% DTI
- SFR, Condo Only
- Primary/Second Home only
- Interest Only Option
- Minimum Credit Score required
No Income • No Employment • No DTI Loan
Perfect for Primary Residence 2nd Home.
Key Features
- Up to 70% LTV
- Lending $150K to $3M
- Foreign Nationals Welcome
- Non-warrantable Condos
About GMCC
General Mortgage Capital Corporation (GMCC) is dedicated to making the mortgage process easy. As your trusted mortgage banker and direct lender, our culture is built on honesty, humility, integrity, and service, providing guidance and support every step of the way.
Interest rates and annual percentage rates (APRs) are based on current market rates, are for informational purposes only, are subject to change without notice and may be subject to pricing add-ons related to property type, loan amount, loan-to-value, credit score and other variables—call for details. This is not a credit decision or a commitment to lend. Depending on loan guidelines, mortgage insurance may be required. If mortgage insurance is required, the mortgage insurance premium could increase the APR and the monthly mortgage payment. Additional loan programs may be available. APR reflects the effective cost of your loan on a yearly basis, considering such items as interest, most closing costs, discount points (also referred to as “points”) and loan-origination fees. One point is 1% of the mortgage amount (e.g., $1,000 on a $100,000 loan). Your monthly payment is not based on APR, but instead on the interest rate on your note. Adjustable-rate mortgage (ARM) rates assume no increase in the financial index after the initial fixed period. ARM rates and monthly payments are subject to increase after the fixed period: ARMs assume 30-year term. General Mortgage Capital Corporation and eMeta Funding are licensed in the following state: Alabama – NMLS: 23260, Arkansas –NMLS: 129989, Arizona – NMLS: 1026178, California CFL – NMLS: 60DBO-66060, California DRE – NMLS: 01509029, Colorado – NMLS: 254895, Connecticut – NMLS: 254895, Delaware – NMLS: 038061, Florida –NMLS: MLD2191, Georgia – NMLS – 254895, Hawaii – NMLS: HI-254895, Idaho- NMLS: MBL-2080254895, Illinois – NMLS: MB.6761662, Indiana – NMLS: None, Iowa – NMLS: 2022-0038, Kansas- NMLS: MC.0025844, Kentucky – NMLS: MC782027, Louisiana – NMLS: 254895, Maryland – NMLS: 254895, Maine- NMLS: 254895, Massachusetts – NMLS: MC254895, Michigan – NMLS: FR0024243, Minnesota – NMLS: MO-MN-254895, Mississippi – NMLS:254895, Missouri – NMLS: 254895, Montana – NMLS: 254895, Nevada – NMLS: 5419, Nebraska – NMLS: 254895, New Hampshire, New Jersey – NMLS: 254895, New Mexico: NMLS – 254895: New York – NMLS: LMB 110903, North Carolina – NMLS: L-208502, North Dakota – NMLS; MB104140, Oklahoma – NMLS: ML014608, Ohio – NMLS: RM.804881.000, Oregon – NMLS: 254895, Pennsylvania – NMLS: 96566, Rhode Island – NMLS: None, South Carolina – NMLS: 254895, Tennessee – NMLS: 254895, Texas – NMLS: 254895, Utah – NMLS: 12679832, Vermont – NMLS: LL-254895, Virginia – NMLS: MC-7314, Washington –NMLS: CL-254895, Washington DC – NMLS: MLB254895, West Virginia – NMLS: ML-254895, Wisconsin – NMLS: 254895BA, Wyoming – NMLS: 4763