About Us
GMCC
About Us
General Mortgage Capital Corporation (GMCC) is one of the largest Asian-owned mortgage companies in the United States, serving the Bay Area and Southern California for more than a decade. Guided by the principle of “no loan left behind,” GMCC specializes in solving complex lending challenges and helping clients achieve their homeownership goals.
As an approved direct seller for Fannie Mae and Freddie Mac, GMCC is also a direct lending bank. The company works closely with Wall Street financial institutions to secure the most competitive rates and structures for its clients. Beyond U.S. residents, GMCC also provides loan solutions for non-permanent residents, such as international students and visa holders, offering them an opportunity to purchase homes in the United States.
Core Members
Our Founders
James Jin
Founders
GMCC Founders
About James Jin
Formerly an engineer at Oracle, James transitioned into finance as a loan specialist at Cross-Border Finance. He observed that achieving financial freedom in the U.S. often relies on stock returns and real estate investment. His insight was that leveraging mortgage financing could maximize returns, inspiring him to co-found GMCC. Today, he leads the company with a vision of helping clients use smart lending to build wealth.
Charles Zhao
Co-Founder
Co-Founder
About Charles Zhao
Charles focuses on helping clients secure financing even when traditional banks cannot. For example, while large banks may reject a client without two years of tax returns, GMCC steps in to identify alternative loan programs that allow the client to successfully complete their home purchase. His approach highlights GMCC’s ability to meet diverse and challenging lending needs.
Raymond Chou
Chief Operating Officer (COO)
Chief Operating Officer (COO)
About Raymond Chou
Raymond emphasizes GMCC’s flexibility and customer-first approach. By leveraging extensive industry experience and close collaboration with banks, he ensures that GMCC delivers tailored, compliant, and efficient loan solutions. His leadership helps position GMCC as a trusted partner for clients with unique financial situations.