Mortgage Loans

Whether you need a purchase loan or a refinance, I can help.  Rates are at historic lows and there are many programs available for your specific situation. I’m a full service Mortgage Broker that work with many lenders who compete to get you the best loan terms and the lowest rates. Interest rates are at historic lowa right now and there are new programs to help virtually everyone regardless of their current situation.

Purchase Loans:

For purchases you can put down as low as 3% and be able to get a conventional loan up to $417,000. FHA loans allow you to purchase a home with just 3.5% and even if you’ve had a short sale or foreclosure. City of San Jose programs provide down payment assistance as well as up to $50,000 to help with your purchase.

Refinances:

For refinances, 30 yr fixed rates are as low as 3.5% range currently. Its a great time to lock in the low rates and save on monthly payments. Are you upside down or underwater on your mortgage? Not a problem as the Government Harp 2.0 and FHA Streamline programs allow you to refinance into low rates & payments without the need of appraisal or verify any income/employment. FHA has recently reduced their mortgage premiums and fees to help homeowners refinance. Contact me for a free no obligation consultation or just to answer any questions you may have.

Recent Closed Loans:

– Example of some of the loans I’ve been able to get for my clients

Location Loan Amount Rate Monthly Savings Type Loan Info
Campbell CA 95008$419,7112.37%N/APrimary ResidenceReverse Mortgage
S. El Monte CA 91733$250,0003.75%N/APrimary Residence30 Yr Cash Out, Paid off all Credit and Auto Loans
Milpitas CA 95035$383,0004.00%$637.50Primary Residence30 yr DU Refi Plus – Harp 2.0 No Appraisal
San Jose CA 95125$720,0004.00%N/APrimary Residence30 Yr FHA Purchase
Monterey CA 93940$417,0003.50%$1,113.97Primary Residence30 Yr Fixed-Incredible Payment Reduction of over $1,100 per month!
San Jose CA 95117$481,0003.75%$278.83Primary Residence30 Yr Fixed High Balance
Gilroy CA 95020$300,0003.75%N/AInvestment Property30 Yr Cash Out
San Jose CA 95127$585,0003.75%N/APrimary Residence30 Yr High Balance Purchase
San Jose CA 95111$340,0003.75%$665.41Primary Residence30 Yr Fixed Rate
San Jose CA 95126$354,0003.75%$165.64Primary Residence30 Yr Fixed Rate
Salinas CA 93905$202,0003.75%N/AInvestment Property30 Yr Cash Out
San Jose CA 95138$370,0003.50%$238.60Primary Residence30 Yr Fixed Rate
Saratoga CA 95033$925,0003.75%$923.18Primary Residence30 Yr Jumbo Fixed, another unbelievable savings of $923 per month
Oakland CA 94065$166,2503.50%$234.00Primary Residence30 Yr Fixed Rate
San Jose CA 95125$351,9263.50%$369.95Investment PropertyFHA Refi Streamline No Appraisal No income
Morgan Hill CA 95037$353,4793.25%N/APrimary Residence30 Yr Fixed Purchase
San Jose CA 95128$504,0003.75%N/APrimary Residence30 Yr Fixed Purchase
San Jose CA 95116$172,0003.875%$327.19Investment Property30 Yr DU Refi Plus – Harp 2.0 No Appraisal
San Jose CA 95123$325,0003.50%$203.22Primary Residence30 Yr Fixed Rate
Tracy CA 95377$260,0003.625%$370.27Primary Residence30 Yr DU Refi Plus – Harp 2.0 No Appraisal
Scotts Valley 95066$210,0002.875%N/APrimary Residence15 Yr Fixed Rate
San Jose CA 95139$368,0003.625%$498.96Primary Residence30 Yr Fixed Rate
Tracy CA 95377$142,0003.50%$156.36Primary Residence30 Yr Fixed Rate
San Jose Ca 95116$186,5003.875%$349.19Investment Property30 Yr DU Refi Plus – Harp 2.0 No Appraisal
San Jose CA 95112$314,0003.75%$287.82Primary Residence30 Yr Fixed Rate
Santa Clara CA 95051$285,0004.00%N/AInvestment Property30 Yr Fixed Cash Out
Monterey CA 93940$483,0003.63%$401.44Primary Residence30 Yr Fixed High Balance
S. Lake Tahoe 96150$160,6553.75%$287.62Primary Residence30 Yr Fixed FHA Streamline
San Jose 95133$283,0003.99%$251.55Investment Property30 Yr Fixed, Cash Out, Low Fico Score 657
Santa Clara 95051$216,0004.00%N/AInvestment Property30 Yr Fixed Rate Cash Out
San Jose 95133$330,0003.75%$296.91Primary Residence30 Yr Fixed Rate
Santa Clara 95050$400,0003.88%$277.38Investment Property30 Yr Fixed Rate
Santa Clara 95051$386,0004.25%N/AInvestment Property30 Yr Fixed, Cash Out for remodel/addition
San Jose 95127$336,0004.00%$560.88Primary Residence30 Yr, Harp 2.0, upside down mortgage
San Jose 95130$125,0002.88%$108.19Primary Residence10 Yr Fixed Rate
Morgan Hill 95037$407,3643.50%$133.11Primary Residence30 Yr FHA Streamline, upside down mortgage, No Doc
San Jose 95125$504,0004.50%N/APrimary Residence30 Yr Fixed High Balance
Scotts Valley 95066$216,0003.88%$434.29Primary Residence30 Yr Fixed Rate
Lake Tahoe 96150$213,0004.00%$114.112nd Home30 Yr Fixed FHA Streamline
Saratoga 95070$625,5003.75%$962.21Primary Residence30 yr Fixed, Saved almost $1,000 per month from previous loan