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 | $419,711 | 2.37% | N/A | Primary Residence | Reverse Mortgage |
S. El Monte CA 91733 | $250,000 | 3.75% | N/A | Primary Residence | 30 Yr Cash Out, Paid off all Credit and Auto Loans |
Milpitas CA 95035 | $383,000 | 4.00% | $637.50 | Primary Residence | 30 yr DU Refi Plus – Harp 2.0 No Appraisal |
San Jose CA 95125 | $720,000 | 4.00% | N/A | Primary Residence | 30 Yr FHA Purchase |
Monterey CA 93940 | $417,000 | 3.50% | $1,113.97 | Primary Residence | 30 Yr Fixed-Incredible Payment Reduction of over $1,100 per month! |
San Jose CA 95117 | $481,000 | 3.75% | $278.83 | Primary Residence | 30 Yr Fixed High Balance |
Gilroy CA 95020 | $300,000 | 3.75% | N/A | Investment Property | 30 Yr Cash Out |
San Jose CA 95127 | $585,000 | 3.75% | N/A | Primary Residence | 30 Yr High Balance Purchase |
San Jose CA 95111 | $340,000 | 3.75% | $665.41 | Primary Residence | 30 Yr Fixed Rate |
San Jose CA 95126 | $354,000 | 3.75% | $165.64 | Primary Residence | 30 Yr Fixed Rate |
Salinas CA 93905 | $202,000 | 3.75% | N/A | Investment Property | 30 Yr Cash Out |
San Jose CA 95138 | $370,000 | 3.50% | $238.60 | Primary Residence | 30 Yr Fixed Rate |
Saratoga CA 95033 | $925,000 | 3.75% | $923.18 | Primary Residence | 30 Yr Jumbo Fixed, another unbelievable savings of $923 per month |
Oakland CA 94065 | $166,250 | 3.50% | $234.00 | Primary Residence | 30 Yr Fixed Rate |
San Jose CA 95125 | $351,926 | 3.50% | $369.95 | Investment Property | FHA Refi Streamline No Appraisal No income |
Morgan Hill CA 95037 | $353,479 | 3.25% | N/A | Primary Residence | 30 Yr Fixed Purchase |
San Jose CA 95128 | $504,000 | 3.75% | N/A | Primary Residence | 30 Yr Fixed Purchase |
San Jose CA 95116 | $172,000 | 3.875% | $327.19 | Investment Property | 30 Yr DU Refi Plus – Harp 2.0 No Appraisal |
San Jose CA 95123 | $325,000 | 3.50% | $203.22 | Primary Residence | 30 Yr Fixed Rate |
Tracy CA 95377 | $260,000 | 3.625% | $370.27 | Primary Residence | 30 Yr DU Refi Plus – Harp 2.0 No Appraisal |
Scotts Valley 95066 | $210,000 | 2.875% | N/A | Primary Residence | 15 Yr Fixed Rate |
San Jose CA 95139 | $368,000 | 3.625% | $498.96 | Primary Residence | 30 Yr Fixed Rate |
Tracy CA 95377 | $142,000 | 3.50% | $156.36 | Primary Residence | 30 Yr Fixed Rate |
San Jose Ca 95116 | $186,500 | 3.875% | $349.19 | Investment Property | 30 Yr DU Refi Plus – Harp 2.0 No Appraisal |
San Jose CA 95112 | $314,000 | 3.75% | $287.82 | Primary Residence | 30 Yr Fixed Rate |
Santa Clara CA 95051 | $285,000 | 4.00% | N/A | Investment Property | 30 Yr Fixed Cash Out |
Monterey CA 93940 | $483,000 | 3.63% | $401.44 | Primary Residence | 30 Yr Fixed High Balance |
S. Lake Tahoe 96150 | $160,655 | 3.75% | $287.62 | Primary Residence | 30 Yr Fixed FHA Streamline |
San Jose 95133 | $283,000 | 3.99% | $251.55 | Investment Property | 30 Yr Fixed, Cash Out, Low Fico Score 657 |
Santa Clara 95051 | $216,000 | 4.00% | N/A | Investment Property | 30 Yr Fixed Rate Cash Out |
San Jose 95133 | $330,000 | 3.75% | $296.91 | Primary Residence | 30 Yr Fixed Rate |
Santa Clara 95050 | $400,000 | 3.88% | $277.38 | Investment Property | 30 Yr Fixed Rate |
Santa Clara 95051 | $386,000 | 4.25% | N/A | Investment Property | 30 Yr Fixed, Cash Out for remodel/addition |
San Jose 95127 | $336,000 | 4.00% | $560.88 | Primary Residence | 30 Yr, Harp 2.0, upside down mortgage |
San Jose 95130 | $125,000 | 2.88% | $108.19 | Primary Residence | 10 Yr Fixed Rate |
Morgan Hill 95037 | $407,364 | 3.50% | $133.11 | Primary Residence | 30 Yr FHA Streamline, upside down mortgage, No Doc |
San Jose 95125 | $504,000 | 4.50% | N/A | Primary Residence | 30 Yr Fixed High Balance |
Scotts Valley 95066 | $216,000 | 3.88% | $434.29 | Primary Residence | 30 Yr Fixed Rate |
Lake Tahoe 96150 | $213,000 | 4.00% | $114.11 | 2nd Home | 30 Yr Fixed FHA Streamline |
Saratoga 95070 | $625,500 | 3.75% | $962.21 | Primary Residence | 30 yr Fixed, Saved almost $1,000 per month from previous loan |