Mortgage & Refinance, Arranged In-House
Financing can make or break an escrow. Ours is built in the same office as your purchase or sale, with loan options matched to Southern California price points.
Pre-Approval Before the Search
A real pre-approval, not a 60-second online estimate. It sets your true budget and shows every listing agent that your financing is real.
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Share your documents
Income, assets, and credit basics. We'll give you a short, specific list, and self-employed borrowers get non-QM options from the start.
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We structure the loan
Hung reviews your full picture and matches it to the right program: conventional, jumbo, VA, or an alternative-documentation option. Subject to borrower qualification.
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Shop with confidence
You receive a pre-approval letter sized to your strategy, so sellers see a qualified buyer, not your full hand.
Options for Every Situation
Each "?" opens a plain-language explanation. All programs are subject to borrower qualification and availability.
Conventional
Fixed and adjustable options for primary homes, second homes, and investment properties.
? What is this?
The most common loan type, backed by Fannie Mae and Freddie Mac guidelines. Competitive rates for borrowers with solid credit and standard documentation, subject to qualification.
High-Balance Conventional
Conventional financing above the standard loan limit for high-cost areas like ours, without going jumbo.
? What is this?
High-cost counties get higher conforming loan limits. High-balance loans keep conventional guidelines and pricing at amounts that would be jumbo territory elsewhere, subject to qualification.
Jumbo
Financing above conforming loan limits, built for Southern California's move-up and luxury price points.
? What is this?
Many Southern California homes exceed the standard conforming loan limit, so they require a jumbo loan. Guidelines vary by lender and program, and we help you compare structures, subject to qualification.
VA
For eligible veterans, active-duty service members, and surviving spouses. Low or no down payment options.
? What is this?
A benefit earned through service, guaranteed by the Department of Veterans Affairs. Eligibility and entitlement rules apply; we help you confirm yours.
First-Time & Affordable Programs
FHA loans and conventional programs designed for lower down payments, depending on loan program availability.
? What is this?
FHA and certain conventional affordable-lending programs can reduce down payment and income hurdles for qualifying buyers. Program availability and terms vary.
Non-QM
DSCR and other flexible-qualifying options for investors, the self-employed, and complex financial pictures.
? What is this?
Non-agency programs qualify you outside standard rules. DSCR loans, for example, qualify an investment property on its rental cash flow, and extended or interest-only terms can fit complex situations. Subject to qualification.
Home Equity Loan
Turn your equity into cash while keeping your existing first mortgage, and its rate, in place.
? What is this?
A second loan against the equity in your home. Useful for renovations, consolidating debt, or funding the down payment on your next home without refinancing away a low rate. Subject to qualification.
Rate Buydowns
Temporary and permanent buydown strategies, often funded by seller credits in negotiation.
? What is this?
A buydown uses upfront funds to lower your rate, either for the first years (like a 2-1 buydown) or for the life of the loan. Whether it beats a price reduction depends on the numbers.
Refinance
Rate-and-term and cash-out reviews when market conditions move in your favor.
? What is this?
Replacing your current loan to lower the payment, shorten the term, or access equity. We look at the numbers together so the decision is grounded in math, not marketing.
Streamline Refinance (FHA & VA)
Faster refinancing for existing FHA and VA borrowers, with less paperwork and often no appraisal.
? What is this?
If your current loan is FHA or VA, streamline programs (including the VA IRRRL) can lower your rate or payment with simplified documentation, depending on program requirements.
When the Math Works, We'll Tell You
A refinance only makes sense when the savings outlast the costs. We walk through the numbers with you: new payment, closing costs, and how long you plan to stay.
- Rate-and-term: lower the payment or shorten the loan.
- Cash-out: access equity for renovations, consolidation, or investment.
- HELOC alternatives compared side by side, depending on the loan program.
Refinancing may increase the total finance charges paid over the life of the loan. Not financial advice; please consult a qualified professional.
Already have a great rate?
Then keep it. We'll say so plainly if refinancing doesn't serve you. A HELOC or a future recast may fit better, and the honest answer costs nothing.
Estimate a Monthly Payment
Estimate only, for illustration. Excludes taxes, insurance, HOA dues, and mortgage insurance. Not a loan offer, rate quote, or approval. All loans subject to borrower qualification and program availability.
Hung T. Nguyen
Broker | Mortgage Loan Originator
NMLS #312166 · CA DRE #01191714
Hung structures the financing behind AMI transactions, from straightforward conventional loans to jumbo, non-QM, and home equity scenarios. Because he works under the same roof as your agent, your loan strategy and your offer strategy are built together.
(714) 794-8559 · Hung@AMIRealtyFinance.com
Start a Pre-ApprovalEqual Housing Opportunity. AMI Realty & Finance, Inc. | Mortgage NMLS #2856197 | CA DRE #02444819. Verify our licensing at NMLS Consumer Access. All loan programs are subject to borrower qualification, program availability, and change without notice. This is not a commitment to lend.