• Purchasing A New Home...

  • Get You Out Of Your High Fixed Rate...

  • An FHA or VA Loan...

  • Whatever your funding needs. We can help. Get Started. Apply Online Today...


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Welcome to XarChoi.com

Xar treats each client as an individual, not a number. She doesn't place you into a loan profile formula created by the banking industry. Instead, she uses "common sense" and will help you obtain the best loan possible.  She works with a variety of wholesale lenders. This allows her to get you the best rates on all types of loan programs including: 30yr mortgage, 20yr mortgage, 15yr mortgage, 10yr mortgage, 1yr ARMS, 3yr ARMS, 5yr ARMS, Conventional, Jumbo, Home Equity Lines, VA and Commercial.  Your financial and real estate goals are just at your fingertips.. Call today!



We work conforming and non-conforming real estate loans.

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We can help you lock in a long term fixed rate and get out of your ARM.

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Buy or Sell a Home

Buy or sell a home with ease.

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Today's Rates*

30 Yr Fxd3.375%3.65%
15 Yr Fxd2.75%3.162%
5 Yr ARM2.75%3.729%
*=This is only an estimate, provided for illustrative purposes only. Actual rates and payments may vary. It does not constitute a quote.

Deciding which loan is right, can be a difficult decision. We're here to help.

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FHA loans

LOW down payment is one reason to choose an FHA loan.

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Happy Clients

It was such a pleasure to have Xar as a our loan agent.  As a first time home buyer,  we had a lot of questions and she was ALWAYS available to answer questions for us whether it be by phone or email and her response time was AMAZING!   She's very knowledgable and reassured us that no question was a "stupid" question. She definitely made the experience a pleasant one!  I am definitely recommending her to all my family and friends!

Amy M. San Leandro, CA

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Xarlene B. Choi   l   510-610-8997   l  fax 888-550-8302   l   xbchoi@yahoo.com   l   4234 Hacienda Drive Suite 110 Pleasanton, CA  94588

CaBRE 01325738   l   NMLS 71232   l   United Lending Partners / California Realty Partners CaBRE 01846152