info@zzlending.com
Toll Free: 1-855-ZZ-LEND-0

ZZ Lending, a Full Service Online Mortgage Company Offering: Home Purchase Mortgage and Mortgage Refinance Loans

ZZ Lending is an internet mortgage brokerage that provides discounted loans without sacrificing the service, knowledge or expertise. We are a full service mortgage brokerage firm with an experienced staff offering service in mortgage lending for resale and new home purchases and refinance.

Executive Team

Our management team is comprised of executives with diverse backgrounds, allowing us to combine our knowledge and experience to create a first-class lending experience for our clients.

David Chin, CPA
Principal

David is primarily responsible for strategic direction and day to day operations of the organization.  David is an entrepreneurial corporate finance executive with over 15 years experience in VC-backed startups and Fortune 50 organizations focused on Real Estate and Technology.  David started his career as a certified public accountant at Ernst & Young’s Kenneth Leventhal Real Estate Group, specializing in audit and consulting services.  David received a BS in Business Administration from University of Vermont, with a concentration in Accounting.  David holds a Real Estate Salesperson license in the state of California.

Sung H. Chin, CPA
Principal

Sung is the Broker of Record owner and is responsible for the day to day management of loan officers as well as all compliance issues related to the Department of Real Estate and RESPA.  Sung has over 15 years experience as an entrepreneur and corporate officer, mostly in the real estate industry.  Furthermore, she is experienced in all aspects of real estate and has successfully developed, trained and led many real estate and mortgage professionals.  Sung started her career as a certified public accountant at Ernst & Young’s Kenneth Leventhal Real Estate Group, specializing in tax, audit and consulting services. Sung received a BS in Business Administration from California State University, Fullerton, majoring in Accounting.  Sung holds a Real Estate Broker license in the state of California.

Randy Wilkerson
Principal 

Randy is responsible for marketing as well as the technology that keeps ZZ Lending a step ahead of other lenders and provides a streamlined process for our clients. Randy has over 20 years experience in lending and real estate, with a focus on investments and second trust deeds.  Randy began his career with UPS, Inc. as a client liaison and management consultant where he helped clients integrate technology into their work processes.  Randy received his BS in Business Administration from Biola University.  Randy holds a Real Estate Salesperson license in the state of California.

Andrew Yonce, JD, MBA
Principal

Andrew is primarily responsible for the strategic direction of the organization.  Andrew has experience in both the public and private sectors, including running a real estate brokerage and property management firm and working as an attorney for a large international law firm where he focused on transactional matters.  Andrew received his BA in Political Science from University of California, Los Angeles and an MBA and JD from Columbia University.  Andrew holds a Real Estate Broker license in the state of California.

Companies we work with include:

  • Realtor.org – National Associations of Realtors is the leading advocate for all issues realted to real estate in the US.
  • San Diego Association of REALTORS – Located San Diego, CA, the San Diego Association of REALTORS® is dedicated to the preservation of private property rights and to the promotion and protection of the business interests of our REALTOR® members.
  • Sandicor, Inc. – Sandicor, a California corporation, was founded in 1991 by eleven Associations of REALTORS® in San Diego County. These eleven Associations combined their efforts and merged the data from three different Multiple Listing Services operating in San Diego County into one consolidated database. When Sandicor launched in January 1992 with its combined database and membership size, it was the largest regional MLS in the Country.
  • Zillow.com – A leading online real estate marketplace dedicated to helping homeowners, buyers, sellers, renters, real estate agents, mortgage professionals, landlords, and property managers find and share vital information about homes, real estate, and mortgages.