zen team
Han Nguyen, NMLS# 1986763 President & Principal Loan Originator
With 20+ years experienced in Banking, Investment and Mortgage, Nguyen currently is a female entrepreneur, consultant and real estate note investor. She also holds MBA in Finance and MA in Economics. Thus, she can understand the same challenges of her borrowers who are self-employed, business owners or real estate investors. Her corporate finance & credit underwriting expertise makes loan approval easier. She leads the team by example and passion to create positive impacts on others. To her, the boutique Zen Mortgage Inc is a purpose-driven mortgage broker company where talents unite with kind hearts for the good. She loves to build things, family-like culture and A-type team. Her strong belief is in abundance mindset, positive energy and impactful lifestyle. At Zen, we are just not a transactional originator but your mortgage partner for life. For leisure, she enjoys practicing yoga, meditation, dancing, water sport, activities in nature and spending time with her beloveds. All members speak at least 2 languages.
P: (714) 204 5106
Jose Garcia, NMLS# 2700711 Mortgage Loan Originator | Advocate for Homeownership & Growth
With over 18 years of experience in life safety inspections, construction, customer service, and management, Jose Garcia brings a unique blend of precision, integrity, and people-first service to the mortgage industry. Now stepping into the realty and mortgage space, Jose is driven by a passion for helping individuals and businesses turn their ownership dreams into reality.
His background in safety and construction gives him a deep understanding of the foundations—both literal and financial—that support successful property ownership. Whether you're a first-time homebuyer or a seasoned investor, Jose is committed to guiding you with clarity, care, and confidence every step of the way.
Jose believes that every transaction is more than a deal—it’s a milestone in someone’s life. With a fresh perspective and a dedication to learning, he’s here to make the mortgage process smooth, transparent, and empowering.
P: (786) 299-3665
Melisa Garcia, Loan Officer Associate | Mortgage Operations Associate
With over 15 years of experience in the insurance and financial services industry, I’ve dedicated my career to helping people take control of their finances and feel confident about their future. Whether it’s getting out of debt, saving for retirement, or buying a home, I’m passionate about guiding others through these important milestones.
I bring a positive mindset and a practical approach to every conversation. My background in operations has taught me how to find smart, tailored solutions that truly fit each client’s unique situation. I believe in keeping things simple, clear, and always centered around your goals.
I’m fluent in both English and Spanish, and I love being able to support a diverse range of individuals and families in a way that feels personal and trustworthy. Whether you're looking to get out of debt, save for retirement, or you're ready to purchase your first home or investment property, I’m here to help you take that next step with confidence - every step of the way.
P: (305) 525-0379
Kyria Ramirez, Marketing Administrative Associate
With a strong background from paralegal and medical fields, Ramirez is a driven, creative and passionate professional who loves to challenge her status-quo as an entrepreneurship spirit. She is currently also a licensed public notary and loan signing agent. Besides, Ramirez is into social and charity work to serve the local community of seniors and children in need.
Ramirez is fluent in both English and Spanish to serve a wide range of American and international Spanish-speaking clients.
Her belief is that if we are working together for the same goal, everything is achievable.