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

Your Mortgage Expert

The following are the rates as of 7:00AM PCT Dec 5, 2022. Rates are
subject to change without notice(The rates are for California only).

I can do WA & TX & FL loans now.

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(<=726,200) High Balance(>$726,200 & <=1,089,300)
30Yr. Fixed 5.750% APR 5.750% 30Yr. Fixed 5.750% APR 5.750%
15Yr. Fixed 5.250% APR 5.250% 10/6mo 5.500% APR 6.082%

Jumbo(>$1,089,300)
30Yr. Fixed 5.750% APR 5.750%
10/6mo 5.500% APR 6.082%

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)

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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.

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