About Us
Your trusted real estate and mortgage partner across California — serving our community in 7 languages
Meet Our Leadership
Dominic Hoang
Realtor & Mortgage Loan Originator
As a dual-licensed Realtor and Mortgage Loan Originator, Dominic brings a comprehensive approach to every transaction. Specializing in self-employed and complex borrower profiles, he offers Conventional, FHA, VA, and Non-QM financing — including bank statement loans and true no income / no employment verification programs. His deep familiarity with Lennar and other major builders ensures smooth, on-time closings for new construction buyers.
Co-Founder & Partner
Licensed Realtor
With over two decades of experience in real estate and mortgage lending, our co-founder brings unmatched local market knowledge and an unwavering commitment to her clients. Her extensive background with Lennar and other major builders means every transaction closes on schedule — without surprises.
Our Story
Cali-Link Realty & Mortgage Inc. was founded on a simple belief: every family deserves access to clear, honest, and expert guidance when buying or selling a home. With over two decades of combined experience in real estate sales and mortgage lending, our team has helped hundreds of families across Sacramento and San Jose achieve their homeownership goals.
We bring deep experience with Lennar and other major builders, giving our clients a distinct advantage in new construction transactions — from understanding builder incentives and timelines to navigating in-house lender comparisons. We know the process inside and out.
On the lending side, we go far beyond conventional financing. We are specialists in self-employed and complex borrower profiles, offering bank statement programs, 1099 loans, asset-based qualification, DSCR investment loans, and true no income / no employment verification programs.
We Speak Your Language
We believe communication is the foundation of trust. Our multilingual team provides support in 7 languages — ensuring every client feels heard and confident throughout their entire transaction.
Loan Programs We Offer
From first-time buyers to complex self-employed profiles, we have a financing solution tailored to your situation.
Conventional
Flexible terms for buyers with strong credit. Down payments from 3%.
FHA
Government-backed loans for first-time buyers and lower credit scores. Down from 3.5%.
VA
Exclusive zero-down financing for veterans and active-duty service members.
Non-QM / Bank Statement
12–24 months bank statements instead of tax returns. Perfect for business owners.
No Income / No Employment
True no-doc programs for qualified borrowers. No W-2, no tax return required.
DSCR Investment
Qualify based on property cash flow — not personal income. Ideal for investors.
No Job? No Income Verification? No Problem.
Traditional lenders turn away self-employed borrowers, business owners, and investors with complex tax situations. We specialize in exactly these scenarios — with programs most lenders simply can't provide.
Ask About Our ProgramsBuilt for the Self-Employed
Most lenders struggle with self-employed borrowers. We thrive with them — from business owners to 1099 contractors to real estate investors.
Alternate Documentation
Bank statements, 1099s, P&L statements, asset verification — we work with what you have.
Complex Tax Returns
Business write-offs reducing your taxable income? We know how to add them back to qualify.
Builder Experience
Extensive history with Lennar and major builders — we know their timelines inside out.
Our Core Values
Built on a foundation of trust, reliability, and exceptional service
Trust
Building lasting relationships based on honesty, integrity, and transparency. Your trust is earned through consistent, ethical service at every step.
Reliability
Count on consistent, professional service from initial consultation to closing day. We're committed to being there when you need us most.
Client-First
Your goals, needs, and dreams come first. Every decision is made with your best interests in mind — a personalized experience for your unique situation.
What Makes Us Different
Dual Expertise
As both Realtors and Mortgage Loan Originators, we provide comprehensive guidance on the property search and financing — seamless coordination in one team.
Simple & Transparent
No hidden fees, no confusing jargon. We break down complex processes into clear steps so you always know what's happening and why.
Non-QM Specialists
Self-employed? Investor? Complex income? We have programs and expertise that most lenders don't — with a proven track record of approvals.
California Expertise
Deep knowledge of Sacramento and San Jose markets — from suburban communities to new construction developments.
Multilingual Team
Serving clients in English, Vietnamese, Chinese, Cambodian, Tagalog, Hmong, and Spanish — clear communication throughout every transaction.
Builder Relationships
Extensive experience with Lennar and other major builders. We know their processes, timelines, and what it takes to close on schedule.
Ready to Get Started?
Whether you're buying, selling, or exploring financing — let's talk. Consultation is always free.