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

Your Mortgage Expert

The following are the rates as of 7:00AM PCT June 17, 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 5.500% APR 5.500% 30Yr. Fixed 5.000% APR 5.125%
15Yr. Fixed 4.625% APR 4.750% 7/6mo 4.625% APR 4.892%

Jumbo(>647,200, normally it should be higher than $970,800)
30Yr. Fixed 5.000% APR 5.125%
7/6mo 4.625% APR 4.892%

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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