Balloon Payment Loans

Balloon Payment Loans Recently, I was asked some questions regarding balloon payment loans. A loan has a large sum of funds due after a fixed period of time. Generally, I do not recommend this type of the loan to my clients, however, in few cases; this can be an option if the traditional loans are […]

With the stock market dropping more than one thousand points in the past week, with the rates are still good it’s the perfect time for you to get a loan. The question is whether you should get a fixed or variable rate on your mortgage. Pros and Cons of Fixed Rates Fixed rates […]

WHAT?! My personal info has been taken from Equifax security breach?!

I have received many calls and emails in the past couple of weeks from different clients regarding the security data breach at Equifax. For those of you that wonder what precautionary steps to take, the Federal Trade Commission has put out some very helpful pages to answer questions and “how-to” freeze your credit. Many of you probably think that if you are […]

TEAM CHANG IS EXCITED TO OFFER THE CONVENTIONAL 1% DOWN WITH EQUITY BOOST LOAN PROGRAM You put down 1%, your lender contributes 2%*, giving you 3% equity at closing Great low rates Close in 30 days or less Conventional 30-year fixed program Available with no monthly Mortgage Insurance *2% lender contribution may only be applied […]

Spectacular Corner Lot with View, Beautiful 4 Bedroom and 2.5 Bath, 2149 Sqft of Living Space, Stainless Steel Appliances and more…

"The most professional person I've worked with throughout the entire process. Annie was nothing short of amazing! Loving to work with her."

Gregory M.

"Annie Chang was the best broker I ever worked with. Although I've never met her in person, but I feel that I have had a personal connection with her. She made our refinance process smooth and possible."

Anie G.

"Annie Chang is a trust-worthy savvy and an asset to any company who employs her."

Richard S.

"Annie was fantastic, fast, professional, answered all of our questions and did an amazing job!"

Kendra F.

"Hi Annie, THANK YOU SO MUCH!! You were so helpful and patient with me, I just can’t thank you enough. Seriously, you really held my hand all along the way and I know it couldn’t have been easy. Without a doubt I will send referrals your way—you’re a rock star!"

Greg M.

"Annie is always courteous and is able to provide guidance. She has great turn around time when we have questions. We will recommend her without hesitation! "

Lawrence P.

"Annie is a pleasure to work with. She's very helpful and accommodating."

Annette B.

"Annie Chang was extremely helpful. Always pleasant, patient and easy to converse with. I would recommend her highly."

William P.

"Annie was very professional and fast in processing my home purchase when I was cutting short in time by the other broker. She came through for me. "

Melissa G.

"Annie was very diligent in making sure we locked in at the best rate possible. I appreciate her professionalism and the time she took to explain financing lingo I'm not so family with. Thanks, Annie!"

Joyce Y.

"Annie is very personal and worked wto get all material completed to all parties' satisfaction. I would use her again and recommend her to my friends as well!"

Ilene B.

"Thank you for always answering our many questions so quickly and thoroughly."

Frances H.

"Annie is very effective and does what it takes in this difficult lending environment with demanding lenders."

Shane N.

"Annie is awesome! She's super friendly, extremely responsive, professional and knows her stuff. She's great!"

Christina M.

"Annie did an outstanding job for me. Fulfilled all promises on time! She's the one to go to with any mortgage needs."

Phil H.

"Annie is the BEST! I will recommend her to everyone!"

Megan G.

"Annie is very helpful and efficient. She made it painless!"

Fred Z.

"We highly appreciate Annie's help and professionalism in refinancing of our home. We will recommend her to our friends and family to do business with."

Andy T.

"Annie helped us every step of the way as we began shopping for a home. She kept us up-to-date and sent all paperwork needed to make this purchase. She's a pleasure to work with and talk to! She is very responsive and helped us on what the best loan product to obtain."

Luis S.

"I was very impressed and thrilled with the speed and ease with obtaining the refinance loan. Thank you! Annie!"

Heidi W.

"Annie is wonderful and very responsive with our calls and e-mails. She's always there to answer our questions!"

Diana P.

"We have worked with Annie on three or four transactions and always pleased with her work and outcome. We will definitely recommend her to others!"

David L.

“Annie's great at explaining concepts and terms especially to newbies and taking care of matters and hand holding for busy people with too much on their plate!”

Jennifer L.

“Annie is awesome! She helped us refinance two houses at the same time, and it all went very smoothly. She is very helpful and professional. I would recommend her to anyone.”

Tracy M.

“Annie did a great job helping us with a refinance recently. She was good about keeping us updated and informed. She delivered on everything she had promised and we couldn’t be happier.”

Steve R.

“Annie helped us refinance recently – she was fabulous! She helped us lock in a great rate and we loved how she kept us informed during every step of the process.”

Dawn C.

“Annie just helped us refinance our loan to an FHA loan. She provided excellent communication throughout the process. She always responds within an hour (often within minutes) of my e-mails. She was very knowledgeable and patience as we waited to try and get a better rate. We have used a number of mortgage brokers in the past, but she has been the best!”

Kristin S.

“Annie is both professional & personal. She listens and puts your needs ahead of all else. We would highly recommend Annie for any financial needs in real estate.”

George B.

“Annie went above and beyond. Lender had a last minute glitch, but Annie handled it brilliantly. She is knowledgeable and always professional, responsive. I will ALWAYS recommend her.”

Ed S.

“Annie is great in every way. Knowledgeable, trustworthy, very quick to respond to my calls/emails and professional! Never had an agent work so diligently and thorough. Thanks Annie!!”

Terri P.

“This was the best customer service I’ve received in a transaction like this ever. I would highly recommend Annie to anyone who is looking for financing options.”

Rick P.

“Annie helped me to purchase my first home 3 years ago. It was a pleasant experience. I came back to refinance my house last month again with a fast closing. She is always ready to help you.”

Melissa G.

“As a real estate broker, I have come across many, many loan officers. Annie Chang is definitely the best! I would almost say she is a miracle worker. Annie knows her industry so well and is so well connected with the lenders that she truly, truly pulls off miracles. Once a file is in her hands, I can breathe, knowing that the file will be handled correctly. She was able to take an FHA loan and close the deal in less than 2 working weeks! This is incredible!. She also knows how to structure the fees to help the client. If you are shopping for a long, I highly recommend you call Annie first; there will be no need for a second call. She’s the best. Thank you Annie for your wonderful work; my agents and I will be using you exclusively.”

Sandra P.

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Phoung N.

“We also very strongly recommend Annie Chang. We worked with Annie when we bought our house this past spring. The lending environment is very difficult these days, with lenders putting out unexpected last minute demands and requirements. Annie stayed on top of all the issues and was excellent in communicating any foreseeable obstacles in the process. It got a little hairy towards the end of the process when the lender threw out a demand that could have delayed the financing process in such a way that we would have lost our lock-in rate. But she was able to navigate through the request with our realtor and saved our rate. Within 3 months of this new loan, she came back and told us about a no cost refinancing opportunity. We worked with her then to secure that loan too.
We really appreciate Annie's proactive approach. Once she knows our loan situation, she comes to us for refinancing opportunities. With the person we worked with previously, we would call him every once in awhile when we see a low rate and sometimes, the window of opportunity had already passed.
And she really does make the paperwork process easy. One time, she even read my son a book while I signed the papers at our home! Can't say enough great things about Annie, she's on top of it all!”

“I have worked with Annie Chang for the past three years in the residential mortgage lending side. She has worked closely with me and my clients to help them refinance their mortgages or obtain new mortgages. She is very detailed oriented and patient with all her customers. I can rely on Annie to follow though and appraise me on any potential problems. My clients have rated their experience with Annie very highly in their evaluation sheet and I highly recommend Annie to other clients in the commercial lending side. Feel free to contact me at (510) 654-4417.”

Mary Geong, CPA Oakland, CA

“Annie was our lending partner from the initial phase of pre-qualification to the close, Annie was prompt, professional, and helpful in assisting us in the often mysterious and intimidating process. Moreover, she advocated on our behalf not just with the lender but even with our real estate agent. Annie was able to pull out all the stops and get the funds transferred without a hitch.”

Dr. Kelley Gin and Dr. Anca Ivan Oakland, CA

Balloon Payment Loans

Fixed Rate or Adjustable Rate Mortgage?

WHAT?! My personal info has been taken from Equifax security breach?!

Conventional 1% Down Loan Program

5812 Hillbrook Pl., Dublin – SOLD OVER-ASKING!