Kay Choi

Mortgage Consultant

NMLS# 2048770  NMLS#2411952

Hi I’m Kay.

Listening to you is the first step in my mortgage process. I want to understand your goals and priorities so I can offer a home loan that’s right for you. You may be a first-time homebuyer or a long-time homeowner. Your goal may be to buy an investment property or to get a renovation loan. I offer a wide range of loan programs, from FHA and VA to conventional and jumbo. You are an individual and my recommendations will respect your unique circumstances.

Communication is key, and sharing information is as important as listening. My goal is to keep you informed on how your mortgage is progressing and to answer any questions you may have. I’ll be with you every step of the way, from application to closing and beyond.

I am ready to help you with your home loan needs, whether you are buying, refinancing, or renovating.

Outside of work, I enjoy traveling with family.

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Reviews

Ranking

Julien A.
Had the pleasure to work with John Molavi and was able to secure a great rate. After asking questions of some of my concerns that I had, John answered them and had everything done in no time. I didn't feel like a “number”, I felt my needs we met and I had no issues.
Joanna L.
I wanted to thank Mr.Thomas for all his hard work. He was extremely helpful and made the process so easy. He took his time and explained everything step by step and answered every question I might have had. I will be sure to work with Mr. Thomas in the future. Thank you again for all your help.
Farhad A.
We had an excellent experience working with Trusted Mortgage Capital. Zack Spradling was outstanding throughout our refinance process—he secured us a very competitive interest rate and moved everything along efficiently, allowing the deal to close very quickly. Thanks to his expertise, our current interest rate is 2% lower than our initial rate with a different lender, which made a significant difference for us financially. He was knowledgeable, responsive, and made the entire process feel smooth and stress-free.
We also want to give special recognition to Ms. Hoe Le, the senior loan processor. She was exceptional with communication and incredibly helpful at every stage of the process. She kept everything organized, explained each step clearly, and ensured nothing was delayed. On top of her professionalism, she is so beautiful and truly a pleasure to work with.
Overall, we are extremely satisfied with our experience and highly recommend Trusted Mortgage Capital, especially Zack Spradling and Ms. Hoe Le, to anyone looking to refinance or obtain a mortgage.
Zack and Hoe Rocks!!!
George R.
Trusted mortage was sa easy team and process to work with. I do wish there was a bit more communication on the steps and what to expect but other wise the team i worked with were wonderful and and quick to act

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Kay Choi

Mortgage Consultant

949.793.7947

Apply Now No Obligation Quote
Julien A.
Had the pleasure to work with John Molavi and was able to secure a great rate. After asking questions of some of my concerns that I had, John answered them and had everything done in no time. I didn't feel like a “number”, I felt my needs we met and I had no issues.
Joanna L.
I wanted to thank Mr.Thomas for all his hard work. He was extremely helpful and made the process so easy. He took his time and explained everything step by step and answered every question I might have had. I will be sure to work with Mr. Thomas in the future. Thank you again for all your help.
Farhad A.
We had an excellent experience working with Trusted Mortgage Capital. Zack Spradling was outstanding throughout our refinance process—he secured us a very competitive interest rate and moved everything along efficiently, allowing the deal to close very quickly. Thanks to his expertise, our current interest rate is 2% lower than our initial rate with a different lender, which made a significant difference for us financially. He was knowledgeable, responsive, and made the entire process feel smooth and stress-free.
We also want to give special recognition to Ms. Hoe Le, the senior loan processor. She was exceptional with communication and incredibly helpful at every stage of the process. She kept everything organized, explained each step clearly, and ensured nothing was delayed. On top of her professionalism, she is so beautiful and truly a pleasure to work with.
Overall, we are extremely satisfied with our experience and highly recommend Trusted Mortgage Capital, especially Zack Spradling and Ms. Hoe Le, to anyone looking to refinance or obtain a mortgage.
Zack and Hoe Rocks!!!
George R.
Trusted mortage was sa easy team and process to work with. I do wish there was a bit more communication on the steps and what to expect but other wise the team i worked with were wonderful and and quick to act