Workers

The following are the rates as of 7:00AM PCT Feb 7, 2023. Rates are
subject to change without notice(The rates are for California only).

I can do WA & TX & FL & AZ & OR 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  6.000% APR 6.000%            30Yr. Fixed  6.250%  APR 6.250%
15Yr. Fixed  5.250% APR 5.250%            7Yr/6mo       5.625%  APR 6.082%   
                                                                     5Yr/6mo       5.500%  APR 6.082%   


Jumbo(>$1,089,300)
 30Yr. Fixed 6.250%  APR 6.250%
 10/6mo        No good rate yet   

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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Thinking about buying?

Expert help when you need it!


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!


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
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1288 Kifer Road Suite 208
Sunnyvale, CA 94086