Koast Capital — boutique mortgage advisory

Personal Mortgage Advisory

Lending
with intention.

CANVAZWA
Jennifer Ko — Koast Capital

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 more than 15 years 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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Funded loan — Irvine, CA

Irvine, CA

No Ratio · Cash-Out Refinance

$500,000

Loan Amount

For this self-employed business owner, traditional income documentation wasn't necessary. By leveraging a free-and-clear investment property, we structured a No Ratio cash-out refinance based solely on equity, delivering a straightforward solution with minimal documentation and efficient execution.

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Funded loan — Scottsdale, AZ

Scottsdale, AZ

DSCR · Cash-Out Refinance

$680,000

Loan Amount

For this experienced investor and builder, we refinanced an existing hard money loan into a lower-rate DSCR program. Qualification was based on the property's rental income rather than personal tax returns, providing improved cash flow through an interest-only adjustable-rate mortgage structure.

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Funded loan — San Jose, CA

San Jose, CA

Jumbo · Purchase

$1,364,000

Loan Amount

A young technology professional couple purchased their first home in Silicon Valley. With strong W-2 income, excellent credit, and a competitive market to navigate, we guided them through the pre-approval process, financing strategy, and successful closing of their jumbo loan.

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Funded loan — Las Vegas, NV

Las Vegas, NV

P&L · Purchase

$1,450,000

Loan Amount

A retired investor acquired a luxury Toll Brothers residence in the highly desirable Summerlin community. Through a Profit & Loss loan program, we structured financing based on CPA-prepared P&L rather than traditional income documentation, creating a streamlined path to homeownership while preserving financial flexibility.

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Funded loan — Newport Beach, CA

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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Funded loan — Henderson, NV

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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Funded loan — San Diego, CA

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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Funded loan — Phoenix, AZ

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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Funded loan — Bellevue, WA

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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Funded loan — Reno, NV

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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Funded loan — Pasadena, CA

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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Funded loan — Scottsdale, AZ

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.

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Loan Programs

A program for every
kind of borrower.

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Purchase · Refinance

Conventional

Ideal for borrowers with documented income, strong credit, and long-term homeownership goals. Conventional financing often provides the most competitive rates and flexible options for primary residences, second homes, and investment properties.

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Government Programs

FHA / VA

Designed to make homeownership more accessible, FHA and VA financing offer flexible pathways for qualified buyers. Whether you're purchasing your first home, seeking a lower down payment option, or utilizing earned military benefits, these programs can provide greater affordability and expanded opportunities to achieve your homeownership goals.

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High-Value Properties

Jumbo

Tailored for luxury homes and higher loan amounts that exceed conventional lending limits. Jumbo financing offers customized solutions for borrowers purchasing premium properties or refinancing substantial mortgage balances.

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Self-Employed · Alternative Income

Bank Statement / P&L / VOE

Alternative income documentation using 12 or 24 months of bank statements, a CPA-prepared P&L, or verification of employment. Designed for entrepreneurs, freelancers, and independent professionals.

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Real Estate Investors

Debt Service Coverage Ratio (DSCR)

Built for real estate investors, DSCR financing focuses on a property's rental income rather than personal income documentation. A popular solution for expanding a portfolio without relying on tax returns or traditional debt-to-income calculations.

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Equity-Based Financing

No Ratio

Designed for borrowers with significant equity and overall financial strength, No Ratio financing provides an alternative to traditional income-based qualification. An ideal solution for retirees, investors, and homeowners whose financial picture extends beyond conventional employment income.

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Short-Term Financing

Hard Money / Bridge Loan / Fix & Flip

Not every financing need can wait 30 days. Hard Money and Bridge Loan solutions provide fast access to capital for borrowers with significant equity, unique credit situations, or time-sensitive opportunities that require a flexible approach.

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Home Equity Solutions

HELOC / HELOAN

Access your home's equity through a flexible line of credit or a lump-sum loan. Ideal for renovations, investments, or strategic debt consolidation.

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Retirement Planning

Reverse Mortgage (HECM)

Unlock the equity you've built over a lifetime. A Reverse Mortgage provides homeowners age 62+ with access to tax-free funds while eliminating the obligation of a required monthly mortgage payment.

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International Buyers

Foreign National

Financing solutions for international investors seeking opportunities in U.S. real estate. Designed for non-U.S. citizens and non-permanent residents, with flexible documentation requirements.

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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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Jennifer was extremely professional and would recommend to everyone seeking a qualified mortgage broker!

Henry H.

Irvine, CA·P&L Cash-Out Refinance
Verified · Google

I had the pleasure of working with Jennifer, and I highly recommend her to anyone looking to purchase property in the Las Vegas area. She provided clear, detailed instructions and guidance throughout the entire process, ensuring I understood how and when the mortgage would be handled. Her professionalism and expertise made the entire experience seamless. If you're considering purchasing property in Vegas, she's definitely the loan officer to trust!

Wilson F.

Los Angeles, CA·Conventional Purchase
Verified · Google

Very knowledgeable, knows the market well, and understands which loan products best fit your individual situation.

Sheila K.

Scottsdale, AZ·DSCR Cash-Out Refinance
Verified · Experience.com

Jennifer is an excellent, positive, open-minded, and determined professional who was able to help us navigate through a series of fairly complex loan options, forms, and qualification processes. She helped us achieve the result we were looking for: a beautiful new home in an exciting neighborhood. She was always available to answer questions, explain each step, and help us through the home-buying process.

Talbot S.

Henderson, NV·P&L Purchase
Verified · Experience.com

Jennifer was amazing! She was extremely helpful, knowledgeable, and responsive throughout the process. No question was too small, and her communication was always thorough and detailed. I would gladly recommend Jennifer to my family and friends and look forward to working with her again.

Thuong V.

San Jose, CA·Jumbo Purchase
Verified · Experience.com

I recently obtained a HELOC through Jennifer and was very impressed by her professionalism and attention to detail. She kept me informed every step of the way and went above and beyond to ensure a smooth process. I truly appreciate her hard work and would confidently recommend her to anyone seeking mortgage financing.

Troy S.

Scottsdale, AZ·HELOC
Verified · Experience.com

Every time I have question and call she always answers right away. With her professional services I solved a lot of financial problems and got a lot of advice. I really appreciate her.

Lai C.

Palm Desert, CA·DSCR Cash-Out Refinance
Verified · Experience.com

Worked with Jennifer on a recent property I purchased. She was great to work with, helped make sure everything was prepared ahead of time and responded all the questions quickly! Would definitely work with her again, and highly recommend her to anyone.

Allen H.

Fremont, CA·Conventional Purchase
Verified · Experience.com

Jen has been a very helpful support and responsible agent to take care of my property. Will be willing to do business with her again.

Dan C.

San Jose, CA·Conventional Purchase
Verified · Experience.com

Jennifer was incredibly helpful and knowledgeable throughout our homebuying process in Las Vegas, NV. Two months ago, we purchased a new construction home, but in order to make it work, we needed to sell our existing house first. Jennifer guided us through a cash-out refinance so we could use the funds toward the down payment, and she took the time to clearly explain all the numbers so we felt confident every step of the way. The process wasn't always smooth due to various factors, but Jennifer stayed proactive and worked closely with us to find solutions. Thanks to her dedication and patience, we're now happily moving into a bigger, newer home. We truly appreciate her hard work and highly recommend her to anyone looking for a knowledgeable and trustworthy loan officer!

Javiera S.

Henderson, NV·P&L Purchase
Verified · Experience.com

We really enjoyed working with Jennifer through the whole process and beyond. We hit it off from the start. She is knowledgeable, kind and patient. We can't wait to take care of all we got our loan for…

Christina H.

Seattle, WA·HELOC
Verified · Google

Always available, always friendly.

Joshua H.

Phoenix, AZ·Conventional Refinance
Verified · Google

Jennifer Ko was super helpful, friendly and available!

Timothy D.

Ventura, CA·Jumbo Purchase
Verified · Google

As a first time homebuyer, I was nervous about the process, especially with a language barrier, but my loan officer Jennifer Ko went above and beyond to make sure I felt informed and supported every step of the way. She was incredibly patient and thorough, taking the time to explain all the numbers in detail and made sure I truly understood what I was signing. Jennifer also worked hard with my realtor to negotiate a seller credit, which helped buy down my interest rate and made a huge difference in my monthly payment. Her professionalism made this experience smooth and much less stressful than I expected. I'm so thankful for her help and would highly recommend her to anyone!

Yun G.

Las Vegas, NV·FHA Purchase
Verified · Google

Schedule a Consultation

Let's find your
path forward.

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Purchase & Refinance

Primary Homes • Second Homes •
Investment Properties
See all programs available.

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Home Equity Line of Credit

Access your home equity with a HELOC. Most applications take approximately 5 minutes to complete.

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Secure. Confidential. No obligation.

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.com

Call / Text Jennifer

(323) 991-8807(702) 988-8807

Licensed In

CA  ·  NV  ·  AZ  ·  WA

Your information is kept strictly confidential.