Wei"Padma" Li

Wei"Padma" Li Helping you finance your dream home. Same-day pre-approvals. Fast closings. Bilingual service.NMLS # 2350844/2708174

Whether you are buying a home or refinancing your mortgage, you deserve to work with a loan officer you can trust. I provide transparency to build a foundation of trust with my clients from beginning to end to ensure that your transaction goes smoothly. I am experienced with all types of residential home loans. I work with first time home buyer, investors, Veterans, clients needing Jumbo loans, as

well as looking at the benefits of a refinance for my clients. Based on my experience as a loan officer, it is important to work with a Loan Officer who has your best interests in mind and who has customer service being number one on their priorities list. Overall, I am dedicated to helping you understand all your mortgage loan options, so you can pick the best loan to meet your wants and needs. And I want to make sure you have the best experience and fullfill all of your financial goals.

09/02/2026

Not every self-employed borrower has to fit the same documentation method.

Some programs may consider a P&L statement or other alternative documents when evaluating income.

The exact requirements depend on the lender, borrower, and program.

Comment SELF if you want to review which documentation may best represent your situation.

Watch the complete video on YouTube:
https://www.youtube.com/

09/02/2026

承诺 #9：严守合同期限 ⏰

在美国买房，合同上的每一个日期都很关键。错过一个期限，可能损失定金，甚至失去心仪的房子。

我的承诺：把您的合同期限当成我自己的事来守护。每个日期我都紧密跟进，让贷款流程按时推进，一有情况提前沟通，绝不拖到最后一刻。

没有意外，没有慌乱，顺顺利利到过户。

已经签约或准备签约？欢迎私信我，一起守住您的时间线。

#美国买房 #顺利过户 #房贷流程

09/02/2026

Waiting could cost more. How do you think?

09/02/2026

If you only have ITIN, don’t give up!

09/02/2026

ITIN 贷款，贷款方到底看什么？我把它分成三块：

① 信用 —— 如果还没有传统的美国信用分，也不要马上放弃，有一些 ITIN 项目可能接受 alternative credit。
② 收入 —— 有些项目还可能接受 1099、bank statement 或其他 alternative income 文件。
③ 首付与资产 —— 不同项目对首付、储备金和资产的要求都可能不一样。

所以在准备买房之前，最好先把整个财务情况检查清楚。

—

What does a lender actually look at on an ITIN loan? I break it into three parts:

1. Credit — if you don't have a traditional U.S. credit score yet, don't give up right away. Some ITIN programs may accept alternative credit.
2. Income — some programs may also accept 1099s, bank statements, or other alternative income documentation.
3. Down payment and assets — down payment, reserve and asset requirements can differ from program to program.

So before you start house hunting, it's worth reviewing your whole financial picture first.

完整版在我主页，五分多钟讲完整件事 · Full version on my channel.
想了解更多，留言 ITIN · Comment "ITIN" to learn more.

⚠️ 请不要在公开留言区提供 ITIN 号码、SSN 或任何证件、收入文件。
⚠️ Please don't post your ITIN, SSN, ID or income documents in public comments.

Padma Li | NMLS #2350844
WUJI Home Solutions LLC | Company NMLS #2708174
平等住房机会 · 仅供教育用途，实际要求依贷款机构与项目而异
Equal Housing Opportunity · Educational only. Actual requirements vary by lender and program.

#美国买房 #美国房贷 #新移民买房 #华人买房

09/01/2026

We have a little celebration for our birthday girl Lisa Bonetti Sells at KW Elite Partners II

09/01/2026

The number one question I'm getting right now: should I buy a home now, or wait until mortgage rates come down?

It sounds simple. But waiting for a lower rate doesn't always save you money — and in some situations it can cost you more.

Rate is only one piece of the puzzle. Home price, competition, your monthly budget and your long-term goals all belong in the same conversation.

Full breakdown (about 4½ min) 👉 https://youtu.be/WQSEVcsY73k
Subscribe for a weekly mortgage tip 👉 https://www.youtube.com/

Padma Li | NMLS #2350844 | WUJI Home Solutions LLC | Company NMLS #2708174 | Equal Housing Opportunity

09/01/2026

The best investment will always be YOU. 🌱

Keep learning. Keep growing. Keep becoming better than yesterday.

Every small improvement today creates more possibilities for tomorrow. ✨

08/31/2026

Promise #9: Deadline Protection ⏰

In a real estate contract, deadlines are everything. Miss one, and you can lose your deposit — or even the house.

My promise to you: I protect your deadlines like they're my own. I track every date in your contract, keep your file moving, and speak up early if anything needs attention. Your agent, your title company, and you always know where we stand.

No surprises. No last-minute panic. Just a smooth path to closing.

📩 Under contract or about to be? Message me and let's protect your timeline.

Address

9201 E Moccasin Slough Road
Inverness, FL
34450

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