我们的服务
贷款更简单，服务更贴心
万通贷款圆您安居梦想
无论您是首次购房、自雇创业，还是外籍身份，万通贷款（GMCC） 都为您提供量身定制的贷款解决方案。从0首付、无报税贷款到DSCR投资方案，我们结合内部审批与自主放款机制，全程由中文顾问一对一服务，流程高效透明。更有多州专项赠款与社区贷款项目，减轻您的首付负担，助您轻松实现安家梦想。
The Best Loan Company in the USA
Trusted Nationwide Licensed
Direct Mortgage Lending Platform
GMCC specializes in New York Mortgage Loans, serving clients from first-time homebuyers to property investors with tailored loan solutions. We offer purchase, refinance, and home equity loan services combined with personalized financial planning to help you achieve your financial goals securely.
Low down payment and easy qualification help you take the first step toward homeownership—making your dream of settling down a reality.
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FHA/VA Loans
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0–5% Low Down Payment
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No Mortgage Insurance
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CRA Community Loans
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Grant Opportunities Available
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Full Documentation Review
No tax records required; supports multiple visa types and statuses, enabling overseas clients to easily secure home loans.
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Accepts B1/F1 Visas
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No FICO Score Required
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No Income Verification Needed
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Supports Gifted Down Payments
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Suitable for New Immigrants
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Primary and Investment Properties
Rent cash flow only, no personal income required—ideal for Airbnb and diverse real estate investors.
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No employment verification required
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DSCR can be zero
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Supports short-term rental properties
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Minimum 20% down payment
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Refinance and cash-out available
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No limit on number of financed properties
Minimum 20% Down Payment
Rental Cash Flow Program
Loan amounts range from $100,000 to $4 million; supported by in-house delegated underwriting and funding.
✔ No employment information required
✔ No tax return needed
✔ No DSCR ratio, can be zero
✔ Short-term rentals (e.g., Airbnb) qualify for lower rates
Mortgage Process
From application preparation to successful funding, we guide you through every step—making the homebuying process clear and stress-free.
End-to-end support
GMCC provides dedicated one-on-one loan advisor support to assist you through the in-house approval process.
Efficient in-house approval
GMCC offers an in-house loan approval process that shortens review timelines and enables fast, direct funding.
Flexible documentation, easier approval
GMCC offers flexible no-tax-return mortgage options, accepting bank statements or VOE—ideal for self-employed borrowers.
Tailored solutions matched to your profile
GMCC tailors the most suitable loan solutions for first-time homebuyers, self-employed borrowers, and foreign nationals.
