Joseph Chan has been a professional in the financial services industry since 1977. He started as a Commercial Loan Officer in Beijing, Hong Kong, Vancouver, Toronto and Seattle before coming to California in 1988 as a mortgage loan originator. Later he co-founded Foster City's first mortgage bank before independently starting United Money Center (UMC) in 1996.

Joseph uses his 40+ years of experience in the mortgage industry to help home owners and home buyers secure the lowest rates on the market and select the loan program that best suits their needs. He has helped hundreds of first time buyers close their purchases on schedule by using the latest technology to speed up processing. He is proud to announce that UMC has maintained a perfect record, closing every loan on time in its 27 year history!

Loan Agent 

Joseph decided to join us and became a loan agent in February 2017. He will be happy to answer any of your loan inquiries.

Languages: Cantonese, Mandarin, & English 

Loan Agent

Michelle Liu, graduated with a B.S. degree in Business Administration from San Francisco State University.  She has been engaging in real estate sales since 1990 and joined United Money Center in 1998. Her other work experiences include customer relations management, sales and marketing researches and international trade in the global marketplace.

Loan Processor

Kelly graduated from University of California Riverside with a B.S. in Finance. Has four years of experience as a loan processor. She has since been trained in every aspect of mortgage transactions and is happy to answer any questions you might have throughout the application process. 

Languages: English