Welcome to the Eric Fang's Website.

Complete an online application today!(CA)

The following are the rates as of 7:00AM PCT May 9, 2021. Rates are
subject to change without notice(The rates are for California only).

The following rates are for refinance only. Lender may cover all the following fees: 
Lender Underwriting, Appraisal, Credit Report, Notary, Flood Cert, Recording,
subordination(for 2nd loan if applicable). We assumed 510k for conforming; 760k for
high balance loans. Credit over 740. LTV<=60%. 


Conforming(<=$548,250)                       High Balance(>$548,250 & <=$822,375)

30Yr. Fixed  2.750% APR 2.750%                    30Yr. Fixed  3.000%  APR 3.000%
15Yr. Fixed  2.1250%  to 2.25% APR 2.250%    15Yr. Fixed  2.500%  APR 2.500%  
10Yr. Fixed  2.000% APR 2.000% to 2.125%

5/6m 1.75% to 1.875% APR 2.75%

7/6m 2.25% APR 2.75%

10/6m 2.375% APR 2.75%


30Yr. Fixed 3.000% APR 3.000

5/1 ARM      2.5% to 2.625% APR 2.625 to 3.125%(Depends on LTV, loan amount)

7/1 ARM      2.625% to 2.75% APR 2.625 to 3.125%(Depends on LTV, loan amount)

I will post some loan scenarios and other thoughts about the financial markets on the Eric Mortgage Blog. I would recommend you to read it if you are interested.


Do You Have Any Refi/Purchase Questions?

Do you have a question for Purchase/Refinance? We can help. Simply fill out the form below and we'll contact you with the answers within 4 hours, with no obligation to you. We guarantee your privacy. All Pre- approval Letters are free and provided within a few minutes.

Your Information
Refinance/Purchase Questions