Home Loans Made Simple
I’m Radlam Thai, a wholesale loan officer with Groves Capital, Inc. I help California homebuyers and homeowners find the right loan — with plain-English guidance from pre-approval to closing.
Groves Capital, Inc. | NMLS #1678775 • Radlam Thai | NMLS #892235 • Equal Housing Lender
Loan Programs for Every Situation
As a wholesale loan officer, I shop multiple lenders to find the program and rate that fit you best.
Purchase
Get pre-approved quickly and compete with confidence, backed by wholesale rates.
Refinance
Lower your rate, shorten your term, or tap into equity — I’ll run the numbers with you.
HELOC / Home Equity
Access your home’s equity with a flexible line of credit — without touching your first mortgage.
DSCR Investor Loans
Qualify on rental income, not tax returns — financing built for real estate investors.
Bank Statement
Self-employed? Qualify with bank statements instead of tax returns.
First-Time Buyers
Low down payment options and step-by-step guidance for your first home.
Meet Radlam Thai
Wholesale Loan Officer · NMLS #892235
With over 13 years in the mortgage industry, I’ve helped hundreds of families buy, refinance, and invest — always with honest advice and plain-English explanations. There is no greater feeling than helping someone achieve the dream of homeownership.
What My Clients Say
★★★★★
“We will continuously select Mr. Radlam as our go to candidate. He is a wonderful man & kind. We couldn’t have done it without him.”
Priscilla – Victorville, CA
★★★★★
“Radlam was available & helpful through the whole process offering great advice. He made me feel confident & comfortable during this stressful process as a first timer.”
Aaron – Temple City, CA
★★★★★
“Radlam was always there to guide us and help us make the process a lot smoother. He was always able to answer any questions or concerns we came across. Would definitely recommend him.”
Cynthia – Baldwin Park, CA
Latest Market Insights
- Rate Locks Protect Home-Loan Budgets | Mortgage & Real Estate Updates: VA, FHA, HELOC, DSCR, 1099, P&L, Hard Money, Land, Farm, Fix & Flip, No-Docs, Commercial Loan
- Drug Take Back Day
- CalHFA Help for First-Time Buyers | Down Payment & Closing Cost Assistance
Schedule Appointment
Pick a time that works for you — I’ll call you at your scheduled time.
Ready to Make Your Move?
Get pre-approved today — or just ask me your questions. I’m here to help.