Loading...
About NetCORE Lending™
Educational-focused mortgage broker committed to securing the perfect home loan for you.
Our Story
100+ Lenders. One Best Rate. Since 2015.
Founded in 2015, NetCORE Investment Group, Inc. dba NetCORE Lending is a California-licensed mortgage broker serving homebuyers, investors, and business owners statewide. Our education-first approach sets us apart — we take the time to ensure every client fully understands their options before making one of the most important financial decisions of their lives.
We serve borrowers across all of California — whether you're buying in Los Angeles, San Diego, San Francisco, Sacramento, or anywhere in between. Our loan officers speak multiple languages, including English, Vietnamese, and Spanish, to serve California's diverse communities.
We offer a comprehensive range of mortgage products — from conventional and FHA loans to specialized programs like Non-QM, DSCR investor loans, and SBA small business lending. Whatever your financial situation, we have a solution tailored to your needs.
The Real Reason We Started NetCORE Lending™
Our Journey
Building Trust Since 2015
Key milestones in the NetCORE Lending™ story.
15
2015
Founded
Bryan Nguyen establishes NetCORE Investment Group, Inc. with a mission to educate and empower homebuyers across California.
17
2017
Growing Team
Expanded operations to serve clients statewide, adding experienced loan officers and building relationships with 100+ wholesale lenders.
19
2019
500+ Families
Helped over 500 families achieve homeownership through personalized mortgage solutions and education.
21
2021
SBA Lending
Expanded into small business lending with SBA 7(a), 504, Express, and Microloan products.
24
2024
Digital Transformation
Launched a new digital platform to streamline the loan application process and improve client experience.
What We Stand For
Our Core Values
The principles that guide every interaction with our clients.
Education-First
We believe informed borrowers make better decisions. Every client receives personalized guidance and transparent explanations of their options.
Transparency
No hidden fees, no surprises. We walk you through every detail of the mortgage process so you always know exactly where you stand.
Personal Service
Every client gets a dedicated advisor who understands their unique financial situation and goals, not a one-size-fits-all approach.
Community
Proudly serving the San Gabriel Valley and surrounding communities. We are your neighbors, committed to strengthening the place we call home.
Broker vs. Bank
The Mortgage Broker Advantage
When you work with a bank, you get one set of loan products at one set of rates. When you work with NetCORE Lending™, you get access to over 100 wholesale lenders competing for your business. This competition is the key to our consistently lower rates — wholesale lenders offer brokers discounted pricing because we deliver volume without the overhead of retail branches.
On a typical $500,000 mortgage, our clients save between $625 and $2,500 per year compared to retail bank rates — that is $18,750 to $75,000 over the life of a 30-year loan. We are legally required to act in your best interest under the TILA-RESPA Integrated Disclosure (TRID) rule, which means we cannot steer you toward a loan that benefits us over you. Banks have no such obligation.
Our 22 loan products span every borrower profile: first-time buyers qualifying with CalHFA down payment assistance, self-employed professionals using bank statement or P&L programs, real estate investors leveraging DSCR loans, veterans accessing VA benefits with zero down, and small business owners securing SBA financing. No matter your situation, we have a program designed for you.
Our People
Meet Our Team
Dedicated professionals committed to helping you achieve your homeownership goals.
Credentials & Experience
Our Licensed Loan Officers
Each of our loan officers is individually licensed through the Nationwide Multistate Licensing System (NMLS) and brings specialized expertise to serve your needs.
Bryan Nguyen — Broker & Founder
NMLS# 1385211 · Licensed since 2015
Bryan Nguyen founded NetCORE Investment Group, Inc. in 2015 with a clear mission: make the mortgage process transparent and accessible for every Californian. As the company's principal broker, Bryan oversees all loan origination activities, maintains relationships with 100+ wholesale lending partners, and ensures every client receives the education they need to make confident financial decisions. His expertise spans the full product spectrum — from conventional and government-backed loans to specialized Non-QM, DSCR investor products, and SBA small business lending. Bryan holds a California Real Estate Broker license and is fluent in English and Vietnamese.
View full profile →
Joann Ton — Senior Loan Officer
NMLS# 1461031 · (714) 399-6361
Joann Ton is the lead loan officer at NetCORE Lending™, known for her professionalism, integrity, and meticulous transaction management. She specializes in helping first-time homebuyers navigate CalHFA down payment assistance programs and works extensively with self-employed borrowers using bank statement and Non-QM loan products. Joann serves clients across all of California with a particular emphasis on the San Gabriel Valley and Greater Los Angeles area. She is bilingual in English and Vietnamese, making her a trusted resource for California's diverse communities.
View full profile →
Zachary D'Amato — Loan Officer
NMLS# 1745343
Zachary D'Amato brings a client-education focus to every transaction. He is passionate about demystifying the mortgage process for borrowers who feel overwhelmed by the complexity of home financing. Zachary works closely with each client to understand their unique financial situation and match them with the optimal loan product from NetCORE Lending™'s extensive portfolio. His approach combines patience with deep product knowledge, ensuring borrowers feel confident and informed at every step.
View full profile →
Henry Thai — Loan Officer
NMLS# 2610552
Henry Thai is committed to providing a smooth and transparent mortgage experience for every client. He takes pride in guiding borrowers through the entire loan process — from initial consultation through closing — with clear communication and proactive updates. Henry is fluent in English and Vietnamese, which allows him to serve California's Vietnamese-speaking communities in their preferred language. He works with borrowers across the full spectrum of loan products, including conventional, FHA, VA, and investor programs.
View full profile →Where We Serve
Licensed to Serve All of California
NetCORE Lending™ is headquartered in Diamond Bar, California, at the heart of the San Gabriel Valley. While we serve clients in every county across the state, our deepest roots are in the communities where we live and work: Diamond Bar, Walnut, Rowland Heights, West Covina, Covina, Pomona, La Verne, Chino Hills, Hacienda Heights, and the broader Inland Empire.
Our bilingual team (English, Vietnamese, Spanish) serves California's diverse population. Whether you are purchasing your first home in Pomona with CalHFA assistance, refinancing an investment property in Orange County, or securing an SBA loan for your business in Los Angeles, our team has the local market knowledge and lender relationships to get the job done.
We conduct business entirely in compliance with the California Department of Real Estate (DRE) and the Nationwide Multistate Licensing System (NMLS). You can verify our company license and each loan officer's individual license at NMLSConsumerAccess.org.
500+
Families Served
5.0
Google Rating
10+
Years Experience
22
Loan Products
Equal Housing Lender
NMLS# 1484338
NetCORE Investment Group, Inc. dba NetCORE Lending
21671 Gateway Center Dr. Suite 207, Diamond Bar, CA 91765
(714) 399-6361 | (909) 345-6889
Last updated: June 2026