Buying, refinancing, or investing should not leave you guessing. IMS helps you understand your options, compare the true costs, and move forward with a strategy you trust.
Plano, Texas · Company NMLS #2467078 · Direct personal guidance
Clear comparisons.
Honest conversations.
Confident decisions.
Clear comparisons. Honest conversations. Confident decisions.
It is the structure behind one of your biggest financial decisions. We explain the numbers, costs, and tradeoffs so you can choose your path with confidence.
Understand your financing before making one of life’s largest decisions.
Explore whether changing your current loan supports your present goals.
Compare financing structures with the complete investment picture in mind.
Begin with clear explanations, practical preparation, and a step-by-step plan.
We explain the numbers and terminology in plain language.
We evaluate financing in the context of your goals—not just your approval.
We discuss estimated costs, assumptions, alternatives, and tradeoffs upfront.
You receive personal guidance from the first conversation through closing.
Behind every financing decision is a real person with real questions. Our team takes the time to explain your options, discuss the tradeoffs, and help you understand the complete picture before you move forward.
Sales Manager
Individual NMLS #283727
John helps clients understand the complete cost behind a financing decision before they commit to a path. He is a strong fit for buyers and homeowners who want the tradeoffs explained plainly and the strategy to still make sense after closing day.
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Sales Manager
Individual NMLS #1596556
Strategic financing with a real estate perspective. Anna helps buyers and investors understand how each loan structure affects their cash to close, monthly payment and longer-term plans. She is a strong fit for clients who want to compare the complete financial picture before making a decision.
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Loan Officer
Individual NMLS #2034396
Following a career in private banking, Dee brings a thoughtful, well-rounded perspective to mortgage conversations. He takes the time to understand each client’s individual story, explain the available paths and help them approach the next step with greater clarity.
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Loan Officer
Individual NMLS #2594441
Austin helps first-time buyers understand the financing process without feeling overwhelmed. Fluent in English and Spanish, he provides clear, approachable guidance so clients can ask questions comfortably, prepare with confidence and understand each step before moving forward.
View ProfileTell us what you are trying to accomplish.
We evaluate potential structures, costs, assumptions, and tradeoffs.
You decide how to move forward after understanding the complete picture.
We guide you through documentation, underwriting, and the remaining steps.
Tell us what you are trying to accomplish.
We evaluate potential structures, costs, assumptions, and tradeoffs.
You decide how to move forward after understanding the complete picture.
We guide you through documentation, underwriting, and the remaining steps.
Loan approval is subject to credit, underwriting, and property verification. Programs, rates, and terms subject to change without notice. No timeline or approval is guaranteed.
Real experiences from clients and real estate professionals who trusted IMS Home Finance with an important financial decision.
5.0
from 15 Google reviews at the time of capture
My clients were offered incentives to use the builder's lender and decided instead to use John Phan at iMortgage Solutions. Their experience far exceeded their expectations and John's professionalism and expertise made ME look like a better agent for recommending him…
Lori Stevens
Real Estate Professional
Huge thanks to John and Anna for making my investment property purchase a breeze! Super communicative, kept me informed every step of the way, and helped me close quickly. The whole process was smooth and stress-free. Highly recommend for anyone looking for a reliable lender!
Phoebe Kim
Investment Property Client
I had pleasure working with Anna Hong and her team from iMortgage Solutions for my home loan recently and I was really impressed by her, and her team professionalism. Anna was thorough at every step, and she guided me through the whole process very smoothly…
Rashid Jilani
Home Loan Client
Anna and her team were exceptionally knowledgeable, attentive, and professional. Most importantly, they were always willing to help and made the entire experience smooth and pleasant. I would gladly work with them again.
Michael Pham
IMS Client
We had an absolutely amazing experience with John and Anna. They put your needs first and ensure that you are well informed. We thoroughly enjoyed working with them to buy our new home!
Tiffany Hudson
Homebuyer
Anna and John were amazing. The whole process was seamless and stress free. They answered questions thoroughly and were very responsive. I highly recommend them if you're looking for a…
Justine Tran
Homebuyer
My clients were offered incentives to use the builder's lender and decided instead to use John Phan at iMortgage Solutions. Their experience far exceeded their expectations and John's professionalism and expertise made ME look like a better agent for recommending him…
Lori Stevens
Real Estate Professional
Huge thanks to John and Anna for making my investment property purchase a breeze! Super communicative, kept me informed every step of the way, and helped me close quickly. The whole process was smooth and stress-free. Highly recommend for anyone looking for a reliable lender!
Phoebe Kim
Investment Property Client
I had pleasure working with Anna Hong and her team from iMortgage Solutions for my home loan recently and I was really impressed by her, and her team professionalism. Anna was thorough at every step, and she guided me through the whole process very smoothly…
Rashid Jilani
Home Loan Client
Anna and her team were exceptionally knowledgeable, attentive, and professional. Most importantly, they were always willing to help and made the entire experience smooth and pleasant. I would gladly work with them again.
Michael Pham
IMS Client
We had an absolutely amazing experience with John and Anna. They put your needs first and ensure that you are well informed. We thoroughly enjoyed working with them to buy our new home!
Tiffany Hudson
Homebuyer
Anna and John were amazing. The whole process was seamless and stress free. They answered questions thoroughly and were very responsive. I highly recommend them if you're looking for a…
Justine Tran
Homebuyer
Testimonials reflect individual experiences and are not a guarantee of outcome. Results vary based on individual circumstances. Reviews are reproduced verbatim from verified Google reviews.
A complete picture helps you choose with confidence. These are the factors we walk through together before you commit to a direction.
The note rate compared against the broader annual cost of borrowing, including lender and third-party charges.
Down payment, prepaid escrows, title, and third-party fees totaled upfront so there are no surprises.
Whether paying upfront to lower your rate or accepting a credit better fits your timeline and budget.
How mortgage insurance applies across programs and the conditions under which it may be removed.
IMS works alongside real estate professionals to help clients understand their financing, prepare for the process, and remain informed as the transaction moves forward.
You only need a place to begin. Tell us what you are considering, and the IMS team will help you evaluate the next step—no high-pressure sales calls, and no obligation.
We never request Social Security numbers, full tax returns, or bank statements on general inquiries.
