Lei Bao

My goal is to help our real estate agents in Guam find home financing support and assistance for their buyers. In today’s business, it is critical to work with professionals who have expertise & efficiency in the mortgage process so that both the agents and their clients know where they stand and what to expect next.

Mortgage Calculation


  • The debt-to-income (DTI) ratio measures the amount of income a person or organization generates in order to service a debt.
  • A DTI of 43% is typically the highest ratio a borrower can have and still get qualified for a mortgage, but lenders generally seek ratios of no more than 36%.
  • A low DTI ratio indicates sufficient income relative to debt servicing, and makes a borrower more attractive.

Immediate Showing Support

Real estate agents can schedule the pre-qualification for their clients right before the showings. I will provide various portfolios to accommodate the buyers’ needs. The information can be utilized as guidance to screen and decide the properties on the showing list.

Highly responsive, always professional, and kept up with a quickly accelerating schedule. Very helpful for a first home buyer.

Jane Hayek (First Home Buyer)

Book a free consultation today.

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