Creative Ways to Get the Homebuying Deal You Want

Buyers and sellers in real estate are always so focused on the bottom line, the big number, the listing price and the offer price. But the truth of the matter is, it’s not always about price. Sure, a buyer can’t expect a 10 percent discount for writing a sappy letter to the seller. But when […]

Buying a home can be a tricky task, particularly for first-time buyers. A typical mortgage agreement can be a minefield of potentially problematic clauses. Before you draft a document and sign on the dotted line, here are five mortgage mistakes to avoid. Pre-Payment Penalty Thirty years is a long time to carry around a mortgage, […]

Not only is the garage generally filled with cars, oil spots and a random assortment of stinky chemical stuff, it also has a reputation as the black hole of the home. You know, the place where you put things and then never see them again. If you are ready to transform your garage from dumping […]

After tying the record for most consecutive days with no change, mortgage rates moved significantly lower today. The significance isn’t due to the size of the move–as far as day to day changes go, there have been bigger. Rather, the impressive part of today’s rally is that it occurred while rates were already effectively at […]

Your front yard, regardless of its size, plays an important role in your home’s overall curb appeal. Your landscaping, however, goes well beyond just a beautiful lawn. It should take into account the style and size of your house, how it’s sited on the property, the amount of sunlight the yard receives and how to […]

"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.

“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!”

Phoung N.

“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

Creative Ways to Get the Homebuying Deal You Want

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