Happy Chinese New Year/恭喜發財

Hope everyone has a fabulous Year of Lamb! Time to save more money! Call me today to find out how!
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Merry Christmas! Wishing you a joyful holiday season!

November and December are my favorite months of the year.  I am thankful for all my clients who trust me to work on one of the biggest investments in their lives.  I’m extremely grateful for the team of professionals who have helped me to iron out the challenges, taught me new ideas, showed me tips,
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Think About Conventional Loans

Many clients have these in common. I only have a little bit down payment. My salary is not very high. I want to buy a house. My credit score is less than perfect. I just want to buy a starter home. Is my only choice an “FHA” loan?  FHA has a 1.75% Upfront Mortgage Insurance
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How low will the rates go?

It’s a wacky Wednesday. The rates dropped then raised twice again, so we are back to almost yesterday’s closing. I’m hoping tomorrow will be a calm day. Here’s a post from CNN today. The Dow plunged more than 350 points shortly after the opening bell Wednesday while the S&P 500 and Nasdaq each dropped more
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New Credit Evaluation Changes

A new calculation of credit scores soon could make it easier for millions of Americans to qualify for car loans and credit cards. The new methodology also could provide easier access to home mortgages after tight post-recession lending standards shut millions of potential new homebuyers, particularly young Americans, out of the market. The Fair Isaac
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