Kevin Vu

Licensed Mortgage Broker — Irvine, CA

Founder of Options Home Loans LLC. Kevin works directly with every borrower — no hand-offs, no call centers. Specializing in non-traditional income, self-employed borrowers, real estate investors, and zero-down purchase programs throughout California.

A Mortgage Broker Who Works Directly With You

Kevin Vu is the founder and principal broker of Options Home Loans LLC, a licensed mortgage brokerage based in Irvine, California. With direct access to more than 20 wholesale lenders, Kevin helps California homebuyers and real estate investors find the right loan program — not just the easiest one to approve.

Kevin's practice focuses on borrowers who don't fit standard underwriting boxes: self-employed business owners who qualify on bank statements rather than tax returns, real estate investors using DSCR programs, first-time buyers using zero-down DPA programs, and borrowers with complex income situations that retail banks routinely decline.

Unlike large broker networks or retail banks, Kevin works directly with every client from application through closing. There are no junior processors, no hand-offs, and no call centers. Every scenario gets a personal review from a licensed professional who understands the full picture.

Options Home Loans LLC is licensed in California under NMLS #2221613. You can verify Kevin's license at NMLS Consumer Access.

Areas of Expertise

Self-Employed & Non-QM Lending

Specializes in bank statement loans, 1099 programs, and alternative documentation for business owners and independent contractors who cannot qualify using traditional tax returns.

Down Payment Assistance

Deep expertise in zero-down DPA programs including 100% DPA, 100% DPA Plus, and 101.5% DPA Deluxe — programs that allow qualified buyers to purchase with no money out of pocket.

Investor & DSCR Loans

Works with real estate investors to structure DSCR loans that qualify on rental income rather than personal tax returns — enabling portfolio growth without W-2 income requirements.

Complex Income Scenarios

Reviews each borrower scenario individually — recent job changes, variable income, commission-based earners, and multi-source income situations that standard underwriting often mishandles.