Home Mortgage Loan

Home Mortgage Loan (Residential Mortgage)

Purchasing a Home?
Refinancing an existing mortgage?
Thinking about an Investment Property or a Second Home?
Looking for home equity financing?
We are here to provide you a wide range of loan products with competitive rates!!

Residential Type
Single House, Town House, Condominiums, Co-op (up to 4 units), etc.

Covered States
New Jersey, New York, Connecticut, Georgia, Texas and California

Program Overview
Adjustable Rate Mortgages
1 Year ARM / 30 Year Term
5 Year ARM / 30 Year Term
7 Year ARM / 30 Year Term
*What is an Adjustable Rate Mortgage (ARM)?
The interest rate on ARM loans is fixed for a specified number of years and adjusted every year thereafter.

Fixed Rate Mortgage
Fixed rate mortgages have a set interest rate, so the principal and interest payment stays the same for the life of the loan. No prepayment penalty.

15 Year Fixed / 15 Year Term Fast loan repayment with higher monthly payments.
30 Year Fixed / 30 Year Term Lower monthly payments by spreading them out over a long period of time.

** Terms, rates and conditions are subject to change without any notice.

Home Equity Line of Credit
A Home Equity Line of Credit (HELOC) is a variable rate revolving form of credit that uses your home as collateral to use for financing major expenses, like home improvements, buying a second home, consolidating higher interest rate debts, and paying college tuitions.

• Fixed Introductory Rate for 6 Months & Variable APR after that
• 10 year Draw period & 20 year Repayment period
• Easy and convenient access to your funds by online transfer to linked accounts
• Available for second/vacation & investment homes

Main Factors to find out if the loan is do-able

After reviewing essential documents and main factors, the loan officer will decide whether the loan is do-able or not. Once it is decided that the loan is do-able, additional documents and forms are then requested from the applicant.

Loan Type (purchase / refinance / primary / investment, etc.)
Property Location
Loan amount
Income source / Level
Credit Score (FICO)
Down payment amount & source
Applicant(s) immigration status

** We also provide Home Equity Loans as well as Home Equity Lines of Credit.

Mortgage Loan Originator / NMLS Identifier List

The Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (SAFE Act) is designed to enhance consumer protection and reduce fraud by setting minimum standards for mortgage loan originator licensing and registration. Registration in the Nationwide Mortgage Licensing System (NMLS) is required for applicable employees of Shinhan Bank America.
Shinhan Bank America employees who are registered as mortgage loan originators are listed below.
For more information about mortgage loan originators ho are either registered or licensed, please visit www.mortgage.nationwidelicensingsystem.org/Pages/default.aspx

Shinhan Bank America Mortgage Loan Originators
Company Originator ID #514674

Region Branch/Office Name Contact Number E-mail NMLS Unique Identifier
NY Mortgage Center Oh, Gizelle 646-843-7366 gizelleoh@shbamerica.com 1219592
Yang, Hae Mee 646-843-7346 haemyang@shbamerica.com 1408494
Park, Richard 646-758-6540 richardpark@shbamerica.com 1531844
Manhattan Cho, Yuno 646-843-7333 yunocho@shbamerica.com 1534671
Bayside Moh, Myoungsuk 718-799-7825 myoungsmoh@shbamerica.com 1466302
Choi, Dayoung 718-799-7823 daychoi@shbamerica.com 1415720
Flushing Lee, Cheu 718-799-7010 cheulee@shbamerica.com 1419505
Zheng, Xuemei

*Chinese speaking

718-799-7018 xuemeizheng@shbamerica.com 1507334
NJ Fort Lee Kim, Seung Eun 201-363-9004 seungekim@shbamerica.com 1417593
Kim, Kyung Rock 201-429-9262 kyungrkim@shbamerica.com 1064485
GA Duluth Han, Steve K 678-512-8203 stevekhan@shbamerica.com 1064485
NAB Chung, Koomin 678-277-8415 koominchung@shbamerica.com 14763227
Kroko, Lori 678-277-8409 lorikroko@shbamerica.com 447212
CA Mortgage Center (Buena Park) Na, Ko Eun 714-443-6408 koeunlee@shbamerica.com 950154
Nam, Heather Bora 714-443-6407 heathernam@shbamerica.com 351524
Irvine Lee, Hyong Jun 714-443-6351 hyongjlee@shbamerica.com 1416373
Olympic Kim, Rachel Sohn 310-602-7701 kyongikim@shbamerica.com 1415875
Yeo, Joon Ho 213-251-3030 joonhyeo@shbamerica.com 1477322
TX Dallas Kim, Inae 972-406-3544 inaekim@shbamerica.com 1422467
Kim, James Sanghoon 972-406-3545 sanghkim@shbamerica.com 1412792