I put Customers first in everything I do because I owe my customers everything - indeed without them, I am nothing. Please browse through my site to learn more about me and the company that stands behind you in your pursuit to purchase or refinance your home. Since 2003, I started working mortgage industry. I had over 10 years experience in residential lending.
I'm well experienced in lending, credit counseling, personal finance, and Customer service, and I take pride in helping Customers meet their individual objectives. Mainly focus on residential mortgage loan: Conventional Loan, Refin Plus, Harp Program for house under the water or doesn't have 80% loan to value. My mission is to serve my customers with honesty, integrity and competence.
My goal is to provide home loans to my clients while providing them with the lowest interest rates and less closing costs as possible.
I'm well experienced in lending, credit counseling, personal finance, and Customer service, and I take pride in helping Customers meet their individual objectives. Mainly focus on residential mortgage loan: Conventional Loan, Refin Plus, Harp Program for house under the water or doesn't have 80% loan to value. My mission is to serve my customers with honesty, integrity and competence.
My goal is to provide home loans to my clients while providing them with the lowest interest rates and less closing costs as possible.
Services
The following is a partial list of programs offered by Stephen Wong at Byone Reic with a brief description of the key elements of each.
Conventional Loan - Traditional loan programs that usually require 20% down and offer competitive interest rates.
Documentation and fair-to-good credit are necessary.
High Balance Loan / Jumbo Loans - Offers 30 and 15 year fixed rate mortgage and competitive ARM products with full document.
Cash out and No cash out refinance are allowable.
Single family detached, Condo's, PUD's and single-family second homes can be financed with no prepayment penalty.
Conventional Loan - Traditional loan programs that usually require 20% down and offer competitive interest rates.
Documentation and fair-to-good credit are necessary.
High Balance Loan / Jumbo Loans - Offers 30 and 15 year fixed rate mortgage and competitive ARM products with full document.
Cash out and No cash out refinance are allowable.
Single family detached, Condo's, PUD's and single-family second homes can be financed with no prepayment penalty.
Pre-Approval starts the loan process.
Once a lender has gathered information about a borrower's income and debts, a determination can be made as to how much the borrower can pay for a house.
Since different loan programs can cause different valuations a borrower should get pre-qualified for each loan type the borrower may qualify for.
In attempting to approve homebuyers for the type and amount of mortgage they want, mortgage companies look at two key factors.
Ability to repay the mortgage is verified by your current employment and total income.
Once a lender has gathered information about a borrower's income and debts, a determination can be made as to how much the borrower can pay for a house.
Since different loan programs can cause different valuations a borrower should get pre-qualified for each loan type the borrower may qualify for.
In attempting to approve homebuyers for the type and amount of mortgage they want, mortgage companies look at two key factors.
Ability to repay the mortgage is verified by your current employment and total income.
So I'm the brother of the reviewer Joy below she referenced as being a referral.
It's amazing to have heard the stories she would share about refinancing.
Over and over again, as the rates dropped she would refi.
Though I had refied with someone else before, I liked how everything was handled with detail according to my sister.
Steven worked late at night and seemed to be there to answer questions when via email want enough.
He was a machine with me and we ended up refinancing twice with him.
Each time easier as he was able to use prior documents when needed.
It's amazing to have heard the stories she would share about refinancing.
Over and over again, as the rates dropped she would refi.
Though I had refied with someone else before, I liked how everything was handled with detail according to my sister.
Steven worked late at night and seemed to be there to answer questions when via email want enough.
He was a machine with me and we ended up refinancing twice with him.
Each time easier as he was able to use prior documents when needed.
People buying and selling real estate often open an escrow for their protection and convenience.
The buyer can instruct the escrow holder to disburse the purchase price only upon the satisfaction of certain prerequisites and conditions.
The seller can instruct the escrow holder to retain possession of the deed to the buyer until the seller's requirements, including receipt of the purchase price, are met.
Both rely on the escrow holder to carry out faithfully their mutually consistent instructions relating to the transaction and to advise them if any of their instructions are not mutually consistent or cannot be carried out.
The buyer can instruct the escrow holder to disburse the purchase price only upon the satisfaction of certain prerequisites and conditions.
The seller can instruct the escrow holder to retain possession of the deed to the buyer until the seller's requirements, including receipt of the purchase price, are met.
Both rely on the escrow holder to carry out faithfully their mutually consistent instructions relating to the transaction and to advise them if any of their instructions are not mutually consistent or cannot be carried out.
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