Realtor & Loan Officer

利率這幾天有往下降。 很多客戶都很關心什麽時候是做refinance 的好時機。其實利率都是一直在升升降降的。 如果有計劃要做refinance可馬上可以聯係我。當文件準備齊全，利率在比較好的時候，我就可以馬上幫您鎖定好利率。 我會根據您的情況，幫您找到最合適您的貸款項目。 不論您是自住房或投資房貸款，refinance/cash out。 任何貸款難題 歡迎打電話給 Katty Wong : 408.386.1530

With San Jose facing a growing crisis over a lack of affordable housing and rising homelessness, the city says it desperately needs more money to fix the problem. But getting enough voters in the nation’s 10th largest city to willingly foot the bill has proven difficult. According to a new survey of more than 1,200 registered voters, a general obligation bond measure aimed at providing housing for homeless residents would be unlikely to clear the two-thirds majority required to pass in 2020. So instead, the city is considering a new real property transfer tax — a tax that is paid by the buyer, the seller or split when a property is sold or ownership transfers, with some exceptions, such as for an inheritance. Unlike a bond measure, such a tax would only require a simple majority to pass. If it goes that direction, San Jose would join a handful of East Bay cities that approved new or amended real property transfer taxes in 2018 — including Berkeley, which named addressing homelessne...

在美國，除了大银行外还有贷款经纪公司专门提供房屋贷款。客戶們在寻求房屋贷款时，大多数人都愿意货比三家，然后选择谁能够提供最低利率的贷款产品。 而房屋贷款经纪(Mortgage Broker)正是在货比多家的基础上为客户获得最佳的贷款产品。 我們提供多渠道全方位的贷款解决方案，熟悉各lender 的guidelines，可以幫客戶抓住更好的利率，更多的优惠更多的先机。 我們提供 一站式服务；客户填写一份1003 Loan Application申请表，不需要自己询问多个贷款方的报价。我們幫你shopping around，省去很多的時間。 我們幫您去查一次的信用度， 在三個月以内就這信用報告都可以用。 如果你自己去找每一家公司做， 找了兩三次信用分數也許就會開始下降。 更多种类的贷款产品选择，利率选择权更强- 通常能够获得比大银行更好的利率和我們的lender credit 可以cover銀行費用。  更有经验， 抵押贷款专家。了解不同的貸款需求，再給以不同的貸款方案。  可以为银行难以批贷的人搞定抵押贷款，例如自雇人士和信用记录不良的人。在别家银行对您说NO的时候，我们依然说YES! 如果还有更多问题，Googain 的贷款专家 Katty Wong 欢迎您來電話询問。 Tel: +1 (408) 386-1530 我是全職房地產經紀。如果您還有任何貸款 灣區房地產問題 電郵: kattyrealtor@gmail.com Wechat: katie_w0 DRE#: 02032778 NMLS#:1494343 Googain Inc. dba MaxReal Website: https://www.kattyrealtor.com/

California Megan's Law website      Next Door  大家可以查查看住家附近的Sex Offender Rigistra. Next door也是一個很好的網頁，可以觀察附近是否有 治安 問題- 包括騷擾，搶劫，偷車 等

The California Conservation Corp released this interactive map.  Here's how you can find out if you live in an earthquake hot zone. https://maps.conservation.ca.gov/cgs/EQZApp/app/ In the website, you can plugged in your home address. The pin indicates where your home sits. 我是全職房地產經紀。如果您還有任何貸款 灣區房地產問題 請聯繫：408-386-1530 電郵: kattyrealtor@gmail.com Wechat: katie_w0 DRE#: 02032778 NMLS#:1494343 Googain Inc. dba MaxReal Website:  https://www.kattyrealtor.com/

Unless you can afford to buy a home with cash, you’ll be paying some interest on a mortgage if you decide to go from being a renter to being a homeowner. Paying interest to a bank is no one’s idea of a good time. The good news, though, is that with the mortgage interest deduction the IRS lets you deduct that mortgage interest from your taxable income when you file your tax returns. Currently you can claim this deduction on mortgages worth up to $750,000. This number was set at $1 million until President Trump signed the new tax law in late 2017. Let's say you borrowed $800,000 against your primary residence and $400,000 against your secondary residence. Both loans were used solely to acquire or substantially improve the properties. Together, the loans add up to $1.2 million, exceeding the $750,000 limit under the terms of the TCJA. You can only claim a mortgage interest deduction for the percentage attributable to the first $750,000 you borrowed. Interest associated with...

Program Details: Self- Employed . Up To $5 Mil.  650 min Credit Score . One Month Bank Statement Program LTV: 75% Purchase/ 70% Refinance Loan amounts: $150,000- $5mln Owner Occupied Transaction/ First time home buyers SFR / Condo / Townhouse Property Types Program Highlight: 👉Rates as low as at 4.5% - 4.75% (floor rate) 👉5/1 ARM, 7/1 ARM, 30YR Fixed, 40YR IO (fixed or adjustable 👉 Minimum 650 FICo 👉No P&L, 4506T, No Reserves, No MI 👉 Self-employed borrowers (we will need to have CPA letter stating the borrower has been self-       employed for at least 2 years or Business License) 👉 Latest month per bank statement/ No non-sufficient funds/ Positive ending balance 👉For the income, we need to have borrower handwritten the amount he/she makes 👉Cash out is unlimited Program requirement: US residents Twenty four (24) month recent mortgage history required Property condition good/ No rural No Reserve funds required No Charge Offs...