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Stephen Choi

A Fresh Perspective for Your Next Loan.

Stephen Choi — Senior Account Executive

Stephen Choi

A Fresh Perspective
for Your Next Loan.

Stephen Choi — Senior Account Executive

For Stephen Choi, a challenging loan scenario is an invitation to dig deeper. As a Senior Account Executive at ARDRI, he combines a natural talent for solving problems with a personal commitment to helping brokers serve more borrowers.

Stephen’s career spans helping businesses return to profitability, guiding startups through venture funding, and helping quadruple a public company’s market capitalization. Those experiences sharpened his ability to ask the right questions, work through complex challenges, and uncover opportunities others might overlook—skills he brings to every broker partnership.

With curiosity and persistence, Stephen tackles DSCR, Bank Statement, and complex Non-QM scenarios, matching borrower goals with program guidelines. His work has helped shape guideline clarifications and product expansions, opening more lending opportunities.

Just as important is how he works with people. Stephen values honest conversations, clear expectations, and doing what he says he will do. He wants brokers to feel comfortable asking questions, exploring ideas, and bringing him the files that need extra thought.

Outside of work, Stephen enjoys exploring new places and activities with his wife and two kids. His curiosity follows him home, where he’s often learning something new, experimenting with a personal AI project, or following an idea down an unexpected rabbit hole.

For Stephen Choi, a challenging loan scenario is an invitation to dig deeper. As a Senior Account Executive at ARDRI, he combines a natural talent for solving problems with a personal commitment to helping brokers serve more borrowers.

Stephen’s career spans helping businesses return to profitability, guiding startups through venture funding, and helping quadruple a public company’s market capitalization. Those experiences sharpened his ability to ask the right questions, work through complex challenges, and uncover opportunities others might overlook—skills he brings to every broker partnership.

With curiosity and persistence, Stephen tackles DSCR, Bank Statement, and complex Non-QM scenarios, matching borrower goals with program guidelines. His work has helped shape guideline clarifications and product expansions, opening more lending opportunities.

Just as important is how he works with people. Stephen values honest conversations, clear expectations, and doing what he says he will do. He wants brokers to feel comfortable asking questions, exploring ideas, and bringing him the files that need extra thought.

Outside of work, Stephen enjoys exploring new places and activities with his wife and two kids. His curiosity follows him home, where he’s often learning something new, experimenting with a personal AI project, or following an idea down an unexpected rabbit hole.

A Problem Solver in Your Corner

Every file represents someone’s plans, investment, or next chapter. Stephen keeps that bigger picture in mind while helping you work through the details—with thoughtful guidance, open communication, and a personal stake in your success.

Personalized Service Icons

A Fresh Look at Challenging Files

Have a borrower whose situation doesn’t fit neatly into a box? Stephen enjoys examining the full picture, identifying the obstacles, and helping you explore a workable structure within program guidelines.

Industry-Leading Loan Programs

Guideline Knowledge That Connects the Dots

Knowing a guideline is useful. Understanding how it applies to your borrower is where Stephen adds value. He brings detailed scenario analysis and practical thinking to help you evaluate options and make informed decisions.

Clear Responsive Communication Icon

Honest Answers. Thoughtful Follow-Through.

You deserve to understand what’s possible, what needs attention, and what comes next. Stephen communicates clearly, addresses questions directly, and follows through so you can keep your borrowers informed.

Integrity & Excellence Icon

A Partnership Built Around Your Growth

Stephen wants to be someone you call early, trust with a difficult question, and turn to again. He’s invested in helping you reach more borrowers, explore new opportunities, and build lasting business.

A Problem Solver in Your Corner

Every file represents someone’s plans, investment, or next chapter. Stephen keeps that bigger picture in mind while helping you work through the details—with thoughtful guidance, open communication, and a personal stake in your success.

Personalized Service Icons

A Fresh Look at Challenging Files

Have a borrower whose situation doesn’t fit neatly into a box? Stephen enjoys examining the full picture, identifying the obstacles, and helping you explore a workable structure within program guidelines.

Industry-Leading Loan Programs

Guideline Knowledge That Connects the Dots

Knowing a guideline is useful. Understanding how it applies to your borrower is where Stephen adds value. He brings detailed scenario analysis and practical thinking to help you evaluate options and make informed decisions.

Clear Responsive Communication Icon

Honest Answers. Thoughtful Follow-Through.

You deserve to understand what’s possible, what needs attention, and what comes next. Stephen communicates clearly, addresses questions directly, and follows through so you can keep your borrowers informed.

Integrity & Excellence Icon

A Partnership Built Around Your Growth

Stephen wants to be someone you call early, trust with a difficult question, and turn to again. He’s invested in helping you reach more borrowers, explore new opportunities, and build lasting business.

Meet Our Non-QM Loan Programs

As a client-focused mortgage lender, ARDRI provides TPO brokers with innovative financing solutions that make closing deals easier. Get to know our comprehensive consumer and business loan programs!

Meet Our Non-QM Loan Programs

As a client-focused mortgage lender, ARDRI provides TPO brokers with innovative financing solutions that make closing deals easier. Get to know our comprehensive consumer and business loan programs!

Meet Our Non-QM Loan Programs

As a client-focused mortgage lender, ARDRI provides TPO brokers with innovative financing solutions that make closing deals easier. Get to know our comprehensive consumer and business loan programs!

The People Behind the File Matter to Stephen.

“I enjoy solving a complicated scenario, but the real motivation is knowing there are people counting on the outcome. My job is to ask the right questions, communicate honestly, and help you explore what’s possible. Whether it’s our first loan together or our fiftieth, I want to earn your next call.”
— Stephen Choi, Senior Account Executive

The People Behind the File Matter to Stephen.

“I enjoy solving a complicated scenario, but the real motivation is knowing there are people counting on the outcome. My job is to ask the right questions, communicate honestly, and help you explore what’s possible. Whether it’s our first loan together or our fiftieth, I want to earn your next call.”
— Stephen Choi, Senior Account Executive

Stephen Choi — Senior Account Executive

Have a Challenging Loan Scenario? Stephen's Ready to Dig In.

Stephen Choi — Senior Account Executive

Have a Challenging Loan Scenario? Stephen's Ready to Dig In.

Put a Conversation With Stephen on Your Calendar.

A quick conversation can help you see a scenario more clearly. Choose a convenient time to discuss a borrower’s needs, ask about a program, or get to know the person who’ll be working alongside you.

Your Next Lending Relationship Starts Here.

You bring the borrower and the goal. Stephen brings curiosity, practical guidance, and a willingness to work through the details with you. Whether you have a file ready today or are exploring a new lending partner, he’d welcome the conversation.

Call Stephen at 747.202.2093 or schedule a conversation to get started.

Your Next Lending Relationship Starts Here.

You bring the borrower and the goal. Stephen brings curiosity, practical guidance, and a willingness to work through the details with you. Whether you have a file ready today or are exploring a new lending partner, he’d welcome the conversation.

Call Stephen at 747.202.2093 or schedule a conversation to get started.