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Phyllis Lau

Mortgage Consultant NMLS ID: 410085


Phyllis Lau is located in Warm Springs, CA and operates out of HSBC’s Northern California Bay Areas location. Phyllis is bilingual in English and Cantonese and Mandarin and specializes in mortgage lending for domestic and international clients.  Phyllis is involved in Asian Real Estate Association of America (AREAA), Chinese Real Estate Association of America (CREAA) and Luxury Marketing Council of San Francisco (LMC). Phyllis has a Bachelor’s degree in Economics and Finance and has over 20 years of experience in the mortgage lending industry. Phyllis can be reached by phone/email at 408-618-4069 or

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Areas Covered/ Languages

  • Warm Springs and Fremont, California

  • Northern California Bay Areas


  • 2017 AREAA Top 17 Mortgage Producer

  • 2018 AREAA Top 22 Mortgage Producer


  • Asian Real Estate Association of America (AREAA)

  • Chinese Real Estate Association of America (CREAA)

  • Luxury Marketing Council of San Francisco (LMC)

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.

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.

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