徐天媺小姐在担任 MLD 贷款经理之前,曾在 Wells Fargo 和Bank of America 任职高级贷款经理人6年半。目前拥有8年以上的专业贷款资历。擅长为顾客提供专业的贷款产品分析,提供符合客户要求的贷款产品。拥有大量美国华裔亚裔客户。对政府专门贷款(最低3.5%头款),203K贷款(如何贷出房屋修葺费用类贷款),海外客户(无美国收入记录)贷款,持 OPT VISA客户等特殊贷款均有大量涉及,为每个客户定制专业可行的贷款方案。
徐天媺小姐拥有美国Rochester Univ. 商学硕士MBA学位。 |
May Xu serves as mortgage manager at MLD for 2 years. She served as mortgage officer at Wells Fargo and Bank of America for over 6 years. She accumulates large base of Chinese-Asian-American clients by providing professional analysis on mortgage products and special mortgage programs, such as foreign national programs (clients who don’t have US income history/credit history), FHA program (down payment as low as 3.5%), 203K program (loan amount covering reno cost), non-proven condo program, OPT visa holder program, self-employee program and etc.
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特殊购房贷款计划
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UNIQUE PORTFOLIO Loan PROGRAMS |
学生贷款 OPT Visa Holder with EAD (student)
Borrower who is in OPT period with income (eg: TA) could apply for the mortgage without having H1B Visa. · Fixed program only: 15yr / 30yr · 20% down payment is allowed · Full documentation is requested 未满2年自营职业者贷款 Self-Employee <2 year Loan
Borrower who is self-employed less than 2 year history could also get mortgage. · 20% down payment is allowed · Full documentation request |
外国人贷款 Foreign Nationals Program:
· The borrower is not required to have a SSN number, Green Card or Visa · No FICO score is required. We will accept foreign credit reports to demonstrate credit worthiness or satisfactory alternate credit, from country of origin · Second home: 60%LTV (loan to house value) to 2 millions, 55% LTV to $3million, and 50% LTV to $5 million · Interest only is available · Income documentation is required · We require seasoned assets in a known verifiable financial institution · A valid passport and a second form of ID is required · Loan amount up to $5million. We will consider loan amount over $5million on a case by case basis · If the borrower has a Green Card or Visa: 70% LTV to $1million |
有关贷款问题
Why close at the end of the Month?
Mostly, this has to do with lowering your out of pocket costs by minimizing the amount of "prepaid interest" you pay on your mortgage at closing.
Interest on your mortgage begins running from the date your transaction closes, but most loans are due on the first day of the month. So when you close, you "pre-pay" the interest between the closing date and the end of the month. 阅读全文
Mostly, this has to do with lowering your out of pocket costs by minimizing the amount of "prepaid interest" you pay on your mortgage at closing.
Interest on your mortgage begins running from the date your transaction closes, but most loans are due on the first day of the month. So when you close, you "pre-pay" the interest between the closing date and the end of the month. 阅读全文
The Complete Guide to ARM Loans - 3, 5, 7 & 10 Year
What Is an ARM? An adjustable-rate mortgage, or ARM, has an introductory interest rate that lasts a set period of time and adjusts annually thereafter for the remaining time period for a total of 30 years. After the set time period your interest rate will change and so will your monthly payment. The monthly payment amount is usually subject to a cap. 阅读全文
What Is an ARM? An adjustable-rate mortgage, or ARM, has an introductory interest rate that lasts a set period of time and adjusts annually thereafter for the remaining time period for a total of 30 years. After the set time period your interest rate will change and so will your monthly payment. The monthly payment amount is usually subject to a cap. 阅读全文
Loan Characteristics and Their Effect on Your Prospective Investment Project
Most real estate investors acquire income properties by obtaining a loan. As you are probably aware, maximizing loan funds (or OPM—Other People’s Money) maximizes leverage and, thus, maximizes returns. The right loan product can easily make or break a real estate investment deal. As such, exploring various loan characteristics is more than warranted. 阅读全文
Most real estate investors acquire income properties by obtaining a loan. As you are probably aware, maximizing loan funds (or OPM—Other People’s Money) maximizes leverage and, thus, maximizes returns. The right loan product can easily make or break a real estate investment deal. As such, exploring various loan characteristics is more than warranted. 阅读全文
Using a Lender Credit to Subsidize Closing Costs
Closing costs typically range from 3%-6% of your loan amount. A closing cost estimate priced today for a loan amount of $200,000 was $7,100 (3.55% of the loan amount). In this scenario the client was not paying any points for the interest rate. 阅读全文
Closing costs typically range from 3%-6% of your loan amount. A closing cost estimate priced today for a loan amount of $200,000 was $7,100 (3.55% of the loan amount). In this scenario the client was not paying any points for the interest rate. 阅读全文
Why debt to income ratio matters in mortgage?
Paying your bills on time, having stable income and boasting a good credit score won't get you a mortgage loan if your lender determines that you live too close to the edge. In the mortgage lending world, your distance from the edge is measured by your debt-to-income ratio, which, simply put, is a comparison of your housing expenses and your monthly debt obligations versus how much you earn. 阅读全文
Paying your bills on time, having stable income and boasting a good credit score won't get you a mortgage loan if your lender determines that you live too close to the edge. In the mortgage lending world, your distance from the edge is measured by your debt-to-income ratio, which, simply put, is a comparison of your housing expenses and your monthly debt obligations versus how much you earn. 阅读全文
The Bi-Weekly Mortgage - Who Needs It?
Normally, you make twelve mortgage payments a year. Since there are fifty-two weeks in a year, a bi-weekly mortgage equals 26 half-payments a year. The equivalent would be making thirteen mortgage payments a year instead of twelve. By applying that extra payment directly to the loan balance as a principal reduction, your loan amortizes more quickly, requiring fewer payments. 阅读全文
Normally, you make twelve mortgage payments a year. Since there are fifty-two weeks in a year, a bi-weekly mortgage equals 26 half-payments a year. The equivalent would be making thirteen mortgage payments a year instead of twelve. By applying that extra payment directly to the loan balance as a principal reduction, your loan amortizes more quickly, requiring fewer payments. 阅读全文
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New Jersey, Jersey City, Hoboken, Weehawken, Fort Lee, West New York, Edison, Summit, Short Hills, Millburn
New Jersey, Jersey City, Hoboken, Weehawken, Fort Lee, West New York, Edison, Summit, Short Hills, Millburn