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1551 McCarthy Blvd. #211. Milpitas, CA 95035

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Most of time, our rates are 0.125% lower than the national average for investment properties. Get a quote from us before it is too late!



A purchase loan is a mortgage when you buy a home from a seller. Make sure you compare lenders on the following: fees, closing time, interest rate, etc. If down payment less than 20%, you may need mortgage insurance.

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When you refinance, you essentially take out a new mortgage that pays off your old one. You may want to do this to change the terms of the loan, get a better interest rate. A rate & term refinance

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Cash Out Refinance

Cash Out Refinance

A cash-out refinance is a mortgage-refinancing option in which an old mortgage is replaced by a new one with a larger amount than owed on the previously existing loan, helping borrowers use their home mortgage to get some cash.<br />

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Our Features

Less adjustments for investment properties & cash out refi, which means the better rates for our clients.

30 Year Fixed Jumbo

A jumbo loan, also known as a jumbo mortgage, is a type of financing that exceeds the limits set by the Federal Housing Finance Agency (FHFA). Jumbo loans start from $970,800 for 2022.

30 Year Fixed Investment

An investment loan is a type of mortgage a buyer would seek when they are looking to purchase a residential or commercial rental property.

Cash Out Refinance

A cash-out refinance is an option in which an old mortgage is replaced by a new one with a larger amount. We have the most competive rates for the cash out refi.

DSCR Loans

Debt Service Coverage Ratio loans are designed for real estate investors that do not want to use their income & tax returns to qualify the borrowers.

Saving Strategy

Consolidate your debt burden by remortgaging your existing home or by taking out a new home loan. Home loan rates are lower than credit card rates.

No Closing Cost

We'll pay your closing cost when you get a loan from us. It may costs you $3,000-6,000 depends on the loan amount.


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S&P 500 confirms bear market as recession worry grows

NEW YORK (Reuters) – U.S. equities tumbled on Monday, with the S&P 500 confirming it is in a bear market, as fears grow that the expected aggressive interest rate hikes by the Federal Reserve would push the economy into a recession.

The benchmark S&P index has fallen for four straight days, with the index now down more than 20% from its most recent record closing high to confirm a bear market began on Jan. 3, according to a commonly used definition.

All the major S&P sectors were sharply lower, with only about 10 components of the S&P 500 in positive territory on the day. Markets have been under pressure this year as climbing prices, including a jump in oil prices due in part to the war in Ukraine, have put the Fed on track to take strong actions to tighten its monetary policy, such as interest rate hike.

The Fed is scheduled to make its next policy announcement on Wednesday and investors will be highly focused on any clues for how aggressive the central bank intends to be in raising rates.

A hotter-than-expected consumer price index (CPI) reading on Friday prompted traders to price in a total of 175 basis point (bps) in interest rate hikes by September.

new home

Sales of newly built homes tumbled over 16% in April while prices soared

  • Sales of newly built homes sank to the slowest rate since the start of the Covid pandemic.
  • The median price of a new home sold in April was $450,600, an increase of nearly 20% from the year before.
  • Slower sales caused the inventory of newly built homes to jump sharply as well to a nine-month supply. A six-month supply is generally considered balanced between buyer and seller.
  • Sales of newly built homes dropped 16.6% in April from March, far more than expected, and were down 26.9% from April 2021, according to the U.S. Census.
  • The annualized rate came in at 591,000 units, seasonally adjusted. Analysts had been expecting 750,000. March’s read was also revised lower.
  • That is the slowest sales pace since April 2020, when everything shut down at the start of the Covid pandemic. Sales surged quickly after that, as Americans sought bigger homes with outdoor spaces for quarantining.

What is recession

A recession is a macroeconomic term that refers to a significant decline in general economic activity in a designated region. It had been typically recognized as two consecutive quarters of economic decline, as reflected by GDP in conjunction with monthly indicators such as a rise in unemployment. However, the National Bureau of Economic Research (NBER), which officially declares recessions, says the two consecutive quarters of decline in real GDP are not how it is defined anymore.