Eric Fang 650-483-9278 or efloans@gmail.com

Your Mortgage Expert

The following are the rates as of 7:00AM PCT May 13, 2022. Rates are
subject to change without notice(The rates are for California only).

I can do WA & Texas loans now. Will be able to do NV, FL soon.

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 640k for conforming; 900k for high balance loans. Credit over 740. LTV<=60%

Conforming(<=647,200) High Balance(>$647,200 & <=970,800)
30Yr. Fixed 5.000% APR 5.000% 30Yr. Fixed 4.500% APR 4.500%
15Yr. Fixed 4.500% APR 4.750% 7/6mo 4.375% APR 4.392%

Jumbo(>647,200, normally it should be higher than $970,800)
30Yr. Fixed 4.625% APR 4.625%
7/6mo 4.250% APR 4.392%

The rates for the purchase will be case by case, depending on how the contract is executed(i.e. who will pick up the fees, or buyer/seller splits)

Mortgage
Calculators Loan Application Daily Rate
Advisory Get A
Quote

Thinking about buying?

Expert help when you need it!

Getting Pre-Qualified gives you extra leverage when you find the home of your dreams.
Let our mortgage experts help you find the loan program that meets your family's needs.
Know how much you can afford so you can house hunt with confidence.
Get a heads up on any credit issues and expert advice along the way.

Give us a call at (650) 483-9278 or email efloans@gmail.com for a no-obligation consultation with one of our mortgage experts..

Get Qualified

Considering Refinancing?

Eric Fang is here to help!

Use our mortgage calculators to determine if refinancing is worth looking into.
Refinancing can be a great way to save money on your mortgage payment.
Let our mortgage experts potentially lower your interest rate or payment.
Leverage the equity in your home toward improvements, taking a vacation, or simply getting your loan paid off faster.

Considering refinancing, but you’re not sure if the time is right or not? Give us a call at (650) 483-9278 or email efloans@gmail.com for a no-obligation consultation with one of our mortgage experts.

Refinancing Options

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.