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Lili Liu  Nmls#382645
Sr. Loan Officer

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Loan Product Overview 

Fixed Rate Loans

  • 30, 25, 20, 15 and 10 year terms are all available with fixed rate.

  • Buy a home with as little as 1% down (primary home).

  • Refinance up to 95% of your primary home's value.

  • Monthly payments remain the same for the entire loan term.



Adjustable Rate Loans

  • 3/1, 5/1, 7/1 and 10/1 ARM's. Monthly payments based on a 30 year repayment schedule.

  • The rate stays fixed for the first 3, 5, 7 or 10 years (depending on chosen term), and then adjusting annually thereafter.

  • ARM used to have prepay penalty and now it is removed.



FHA Loans

  • 3.50% down payment required on purchase. Upfront mortgage insurance can be paid by lender.

  • Minimum credit score usually 620.

  • LTV of 90% or less, the annual mortgage insurance premium (MIP) will be assessed for 11 years.

  • LTV greater than 90%, the annual MIP will be assessed for the entire life of the loan.

  • Post-bankruptcy qualifying - 2 years after.

  • Post-foreclosure qualifying - 3 years after.



VA Loans

  • Competitive interest rates that are routinely lower than conventional rates.

  • Sellers can pay up to 6 percent of closing costs and concessions.

  • Higher allowable debt-to-income ratios than for many other loans.

  • 0% down payment required on purchase.




Purchasing a home is probably one of the biggest investments you'll ever make in your lifetime we are here to help.
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We can help you lock in a long term fixed rate or refinance and get cash out.
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FHA loans

There are lots of good reasons to choose an FHA loan.
To get started click here