Amy Yang

INTEREST RATE 9-8-10 * Conforming rates    APR  based on  loan amount $400K    30 yrs fix: 4.25% ,    APR: 4.33%    15 yrs fix: 3.75% ,     APR: 3.90%   * "High balance" loan program     APR based on loan amount: 500K     30 yrs fix: 4.375%  ,   APR: 4.44%     15 yrs fix: 3.875%  ,   APR: 3.99% * NEW :  Fannie Mae Refin Plus- Call * Speical program !!!   => Buy a Fannie Mae  REO property ? Good news: only 3% down, no MI, no appraisal report, low rate. limited time only.   => Special low rate for property address located in low or moderate income area or qualifying income. Please call Amy to check if you qualify.   => Only 580 low credit score? Only 3.5% down payment? Now you may apply FHA loan . Call Amy for qualification & rate.

<< TODAY'S RATES >>

* Above rates for  qualified applicants only. Rates based on full document, purchase, Single family house, primary residential in California, credit score>740, LTV <70%.  Rates may change daily and without notice. Rates and fees can vary from state to state. Rates can be affected by lower credit scores or less than 30 percent down payment. Programs may come with prepayment penalty. * Questions include prepayment penalty, lender's charge, appraisal fee, credit report fee,other settlement fee. please contact with Amy Yang for good faith estimate . * "High balance" loan limits: 1units=>$729,750 , 2units=>$934,200, 3units=>$1,129,250, 4 units=>$1,403,400. Maximum loan amount may vary for different couties. * Above "high balance" loan rates for :full doc,purchasing, SFR , 1 unit,LTV<70%,Credit score>740 debt-to-income ratio <45%. Program come with other restriction. Maximum loan limits are different from different county.  Please call Amy for detail. *Interest rates for loan amount  different from  $400K & $500K; investment properties; Interest  only programs or other different programs ,please call Amy Yang to check the rates  & APR.

Amy Yang

909-860-2813

909-860-2845