Crystal Estates
Thai Nguyen
(408) 998-1966(408) 998-1966

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