Equal Housing Opportunity All loan programs, interest rates, and approvals are subject to underwriting guidelines, credit approval, property approval, and program availability. Not all borrowers will qualify. Rates, terms, and programs may change without notice. This website is for informational purposes only and does not constitute a commitment to lend. By submitting your information, you agree that Tiffany Lam and her team may contact you by phone, email, or text message regarding mortgage and real estate services. Message and data rates may apply.