Top of main content

Esther Chow

Mortgage Consultant NMLS ID: 416785

Esther Chow is located in Southern California. Esther is trilingual in English, Cantonese and Mandarin and is involved in Arcadia Association of Realtors (AAR), West San Gabriel Valley Association of Realtors (WSGVAR), Asian Real Estate Association of America (AREAA) in Tri-County Chapter and Hong Kong Association of Southern California. Esther specializes in working with international clients and has a Bachelor of Science in Finance from the University of Southern California. Esther is an experienced mortgage professional and very detail oriented, she loves to assist the clients achieve their homeownership dreams. Esther has been working in Retail Banking and Mortgage for more than 20 years, and has been awarded Asian Real Estate Association of America A-list loan originator. Esther may be reached by cell phone at 626-632-6131.

Request financing today

Get prequalified1 to buy, refinance or unlock your home’s equity2.

Areas covered/Languages

  • San Gabriel Valley; Great Los Angeles and Orange County
  • Licensed to originate nationally
  • Other languages: Mandarin and Cantonese


  • Foreign National lending
  • New to Country or Expat lending
  • Domestic Lending / Fannie Mae and Freddie Mac
  • Portfolio/Jumbo Lending
  • 2021 Asian Real Estate Association of America A-List Loan Originator


  • USC BS degree in Finance
  • Asian Real Estate Association of America (AREAA) Tri-County Chapter, Advisory Board 2019
  • 2022 Immediate Past President
  • 2021 Chapter President
  • 2020 Vice President
  • 2019 Treasurer
  • Over 20 years in banking and mortgage business

1 Final mortgage approval is subject to receipt of a satisfactory purchase contract by commitment expiration date, satisfactory appraisal and title report and completion of all conditions stated in your commitment letter.

2 To be eligible for an HSBC Home Equity Line of Choice you must have a U.S. Premier relationship. For a complete list of HSBC Premier Relationship eligibility requirements, please visit or speak with your Relationship Manager.

If you are a service member on active duty looking to refinance your mortgage loan, please consult your legal advisor regarding whether your existing mortgage loan is eligible for benefits under the Servicemembers Civil Relief Act and how a refinance may impact those benefits.  

Mortgage and home equity products are offered in the U.S. by HSBC Bank USA, N.A. and are only available for property located in the U.S. Subject to credit approval. Borrowers must meet program qualifications. Programs are subject to change. Geographic and other restrictions may apply. Discounts can be cancelled or are subject to change at any time and cannot be combined with any other offer or discount.

All mortgage purchase, refinance and home equity line of credit product materials are only available in English. All negotiations for these products will only take place in English.

We're here to help you. Find the answers and while you're at it, tell us how we could do better.