2.   Can I refi my home if LTV (loan-to-value) is greater than 80%?

Run the following two programs and call us if you got a Match or Own result.

• http://loanlookup.fanniemae.com/loanlookup/ — Fannie Mae refi plus program
• https://ww3.freddiemac.com/corporate/ — Freddie Mac mortgage relief program

The advantage to use the above program is that you might be able to get the same rate for normal refi program with LTV <= 80%.
If no match is found for either Fannie Mae or Freddie Mac, we can help you to submit your loan application to the lenders with best appraisers who can appraise your home more accurately.

3.   What documents do I need to prepare for a refi?

Please email me at xinghao@gmail.com or fax me at 408-228-0898 the following documents for both borrower and co-borrower:

• Last loan statement for your current mortgages.
• Last 2 pay stubs.
• Last 2 months of your bank statements. Last 401k or equity account statement if needed.
• Last 2 year W2s.
• Property tax statement from county for all your properties.
• Insurance policy for all your properties.
• Driver licenses.
• Valid visa (H1, H1B etc) or green card if not US citizen.

I also need you to know the answers for the following loan application questions:

• Your home/cell phone numbers.
• Your current position/length. If less than 2 year, previous job, salary, position, start/end dates.
• Total years of your professional jobs.
• If less than 2 year for current home address, previous addresses, start/end dates.

4.   What documents do I need to prepare for purchase loan?

Please email me at xinghao@gmail.com or fax me at 408-228-0898 the following documents for both borrower and co-borrower:

• Purchase contract signed by all parties: buyers, sellers, selling agents and listing agents.
• EMD: intial early money deposit for the purhcase.
• Prelimary title report.
• Last 2 pay stubs.
• Last 2 months of your bank statements. Last 401k or equity account statement if needed.
• Last 2 year W2s.
• Driver licenses.
• Valid visa (H1, H1B etc) or green card if not US citizen.

I also need you to know the answers for the following loan application questions:

• Your home/cell phone numbers.
• Your current position/length. If less than 2 year, previous job, salary, position, start/end dates.
• Total years of your professional jobs.
• If less than 2 year for current home address, previous addresses, start/end dates.