Jennifer Ko
Founder, Koast Capital
About Jennifer Ko,
Founder of Koast Capital
“A mortgage isn't the goal. It's a tool to help you build what's next.”
Jennifer Ko believes that financing decisions should be made with clarity, not pressure.
With a B.A. in Economics from the University of California, San Diego and an MBA from the University of Southern California, she brings both analytical expertise and real-world lending experience to every client relationship.
Before founding Koast Capital, Jennifer spent over a decade in mortgage operations, processing, auditing, and management — developing a deep understanding of how loans are evaluated, structured, and approved.
Whether you're purchasing a home, refinancing, accessing equity, or growing an investment portfolio, Jennifer's approach is transparent, strategic, and tailored to your goals.
Because the right loan isn't just about getting approved — it's about creating opportunities for what's next.
Funded Loans
Real financing scenarios.
Thoughtful strategies.
Meaningful outcomes.
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Los Angeles, CA
Bank Statement · Purchase
$1,400,000
Loan Amount
Self-employed business owner, previously declined by two lenders. Approved on 12-month bank statements and closed in 28 days.
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Las Vegas, NV
DSCR · Cash-Out Refinance
$820,000
Loan Amount
5-unit investment property. Qualified entirely on rental income — no personal income documentation required.
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Scottsdale, AZ
Conventional · Purchase
$615,000
Loan Amount
First-time homebuyer in a competitive multiple-offer environment. Pre-approved within 24 hours and secured the home.
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Seattle, WA
Jumbo · Purchase
$2,100,000
Loan Amount
High-net-worth buyer with a complex asset structure. Navigated documentation strategically for a clean, on-time close.
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Newport Beach, CA
Bank Statement · Cash-Out Refinance
$1,850,000
Loan Amount
Business owner leveraging home equity to fund a new venture. Approved on 24-month bank statements with no tax return required.
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Henderson, NV
DSCR · Purchase
$640,000
Loan Amount
Out-of-state investor expanding a short-term rental portfolio. Qualified on projected rental income with no W-2 required.
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San Diego, CA
Jumbo · Purchase
$3,200,000
Loan Amount
Coastal luxury purchase requiring a non-warrantable condo waiver. Secured financing where traditional channels declined.
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Phoenix, AZ
Conventional · Purchase
$490,000
Loan Amount
Relocating family on a tight timeline. Clear-to-close in 18 days with a seamless remote signing process.
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Bellevue, WA
No Ratio · Purchase
$1,720,000
Loan Amount
Recently retired executive with substantial assets and no traditional income. Qualified on liquid assets — no employment verification needed.
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Reno, NV
Hard Money · Fix & Flip
$580,000
Loan Amount
Distressed property acquisition requiring fast close. Funded in 9 days — well ahead of the seller's deadline.
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Pasadena, CA
FHA · Purchase
$720,000
Loan Amount
First-generation homebuyer navigating a high-cost market. Structured the loan to maximize down payment assistance and minimize out-of-pocket costs.
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Scottsdale, AZ
DSCR · Cash-Out Refinance
$1,100,000
Loan Amount
Investor refinancing a stabilized multi-family property to fund the next acquisition. Closed without disrupting existing tenants or lease terms.
View ScenarioLoan Programs
A program for every
kind of borrower.
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Client Reviews
What Clients Say
About Jennifer.
Real feedback from homeowners, investors, and borrowers Jennifer has had the privilege of guiding through their financing journey.
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Book a Conversation
Let's find your
path forward.
Share a few details below
Whether you're purchasing a home, refinancing, accessing equity, or exploring investment opportunities, every situation is unique. Share a few details about you and Jennifer will personally follow up within one business day.
Email Jennifer
info@koastcapital.comLicensed In
CA · NV · AZ · WA