Elite Mortgage Corporation

"in the end, NONE of us have very long on this earth. Life is fleeing"

Fed announces interest rate decision. "As expected, the Federal Reserve held interest rates steady today as they assess where the economy is headed and the agency intimated that rates might stay low for a good while to come. Most experts felt the Fed’s policymaking committee would decline to raise rates today as the agency feels out the likely economic effects of the new administration..." http://www.mpamag.com//fed-announces-interest-rate-decisio... PRE-APPROVAL at NO cost, NO obligation, NO commitment from you. NO hidden, NO junk Fees, NO point, NO cost programs. Very competitive rate in town on Conventional, FHA loan. No Income required, loan up to $2 mil, LTV 80%. Loan amt up to $2.5 mil, LTV up to 95%LTV, NO MI 30-yr 40yr, 30-yr IO, 40-yr IO, 5/1 ARM. Up to 90% Cash out. NOO up to 85%LTV, NO MI, DTI up to 50%, up to 10 Financed Prop, FICO as low as 620. Interest Only with FICO 680+.

A very valuable story for me.

Best Day Since Brexit For Mortgage Rates Jul 28 2016, 3:56PM Mortgage rates fell at the quickest pace in more than a month today as lenders priced-in the market improvements seen after yesterday's Fed Announcement. Even though quite a few lenders offered improvements yesterday afternoon, the so-called "reprices" were conservative compared to improvements implied by trading levels in mortgage-backed-securities (the bonds that most directly affect mortgage rates). http://www....mortgagenewsdaily.com/consumer_rates/642501.aspx http://elitemortgageinc.com/ See more

June 30, 2016. Greetings, QM programs: At Elite Mortgage Corp, we offer NO POINT, NO COST program, which will help to save thousand dollars. * 10 Yr Fixed Rate & APR is 2.75%, Investment Prop. 3.25% ... * 15 Yr Fixed Conforming Rate & APR is 2.75%, Investment Prop 3.375%. * 20 Yr Fixed Conforming Rate & APR is 3.375%, NOO 3.75% * 25- 30 Yr Fixed Conforming Rate & APR is 3.500%, NOO 3.875%. The Min. loan amount is $300K, SFR, PUD, O/O, score is 740, no cash out, Debt-To-Income ratio 43% or less and LTV is 75%, No impound. http://www.mpamag.com//brexit-drives-u-s--mortgage-rates-t See more

Credit Changes Coming Are you a transactor or a revolver when it comes to your credit? Terms like these never have mattered much to home buyers seeking a home loan. You’ve probably never heard of them. Yet they are about to become more important to millions of home loan-seekers and they may even help determine whether you qualify for a loan in the first place. A transactor is someone who pays off credit bills in full every month or makes more than the minimum required pay...ment. A revolver is the opposite: someone who routinely makes the minimum payment on credit cards and other debts, rolling balances over to the next month. Credit industry statistical research suggests that, all other factors being equal, revolvers tend to present higher risks of future default to lenders, especially when they are accumulating substantial unpaid balances. Transactors tend to be lower risks. Until now, lenders and investors had difficulty distinguishing revolvers from transactors. Credit reports told them whether you as an applicant were late on card payments and whether you defaulted on your car loan, but they didn’t show what you paid on your balances month by month over extended periods. Fannie Mae, a dominant player in the housing market, will soon begin evaluating how all loan applicants have managed their credit over the previous two years: how much they owed in revolving debt each month, the minimum payment allowed on each debt and how much they actually paid. As a general rule, according to Eric Rosenblatt, Fannie’s Vice President of Credit Risk Analysis and Modeling, the new system will benefit borrowers who regularly pay off revolving debt and should provide more creditworthy borrowers access to credit. Starting June 25, the new reach-back data will become an integral part of Fannie’s automated underwriting, an online system that is used by the vast majority of lenders to determine whether applicants are eligible for the loan they’re seeking. Source: Ken Harney, The Nation's Housing Note: The date of implementation is likely to be delayed by Fannie Mae

Check this out. Super low interest for HIGH BALANCE, CASH OUT, NO POINT, NO COST today 6/14/2016 rate is locked @ 3.875% for 30 years Fixed! WOW!

BY: MATTHEW GRAHAM Mortgage Rates Are Actually a Bit Higher. http://www.mortgagenewsdaily.com/consumer_rates/599205.aspx "Mortgage rates change every day--sometimes multiple times per day. Today, they moved higher for the 2nd time this week, albeit just slightly. We keep track of rates every day, based on lender rate sheets and a few proprietary factors that help us hone in on what the average loan officer is quoting on a top tier scenario..." But don't worry, at Elite Mo...rtgage Corporation, we offer NO POIN, NO COST program. 10 Yr Fixed Conforming Rate & APR is 2.75% 15 Yr Fixed Conforming Rate & APR is 2.875% 20 Yr Fixed Conforming Rate & APR is 3.50%. 25 Yr Fixed Conforming Rate & APR is 3.625% we will pay for your pre-paid interest 30 Yr Fixed: Rate & APR is 3.625%. The Min. loan amount is $300K, SFR, PUD, O/O, score is 740, no cash out, Debt-To-Income ratio 43% or less and LTV is 75%, No impound. **** Jumbo Conforming HB loan Amt from $417,001-$625,000 **** 15 Yr Fixed: Rate & APR is 3.125%. 20 Yr Fixed: Rate & APR is 4.00%. 30 Yr Fixed: Rate & APR is 3.875%. The Min. loan amount is $417,001, SFR, PUD, O/O, credit score is 740, no cash out, Debt-To-Income ratio 43% or less and LTV is 75%, No impound. ------------------------------------- ***** ------------------------------------- ALT-A program - VOE only: NO 4506 & No Tax Return Gift Fund are allow on O/O & 2nd home. DTI: 43% 1 Unit 70% LTV to $625,000 2-4 60% LTV to $1,500,000 Foreign Nationals 60% to $1,000,000 INCOME DOCUMENTATION: * Salary/Wage Earner with VOE only. * Self-Employed: CPA letter & Bus. Lic and YTD Profit & loss statement. See more

THIS IS A REVISED VERSION: The seller like to entertain potential buyers with the selling price will include the stainless steel refrigerator, new washer w/ extended warranty and dryer, and small microwave. Also, if your buyer like the decoration such as pictures, window drapes, that is options to buy, so save your time to shop and decor. here are some new pictures. The pictures are crediting to Tim Nguyen - First American title.

Attention Investors & First Time Buyers. take a look at this beautifully appointed home offers almost 1300 Sq. Ft. of living space! with 3 bedrooms and 2 upgrad...ed bathrooms and a beautiful enclosed patio, This is perfect for a family with small children. House is located in the shadows of Disneyland it is an ideal place for family and friends to enjoy the fireworks! enjoy a beautiful Disney Down Town, it's 10 minutes to Little Saigon town. This property has had extensive upgrades over the last couple of years to include all new windows, a/c, patio cover, interior lighting, remodeled bathrooms, exterior recently painted, cobblestone pavers driveway and more. The kitchen is open space, airy and features refinished cupboards, stainless steel appliances and a wrap around breakfast bar. The master suite has its own remodeled shower. The Living room and kitchen are open creating a great area for entertaining topped off by the warmth of the fireplace. Direct access into the home from the garage. Must see as there are many features not mentioned here. See more

BY: MATTHEW GRAHAM Mortgage Rates Back Near Recent Highs http://www.mortgagenewsdaily.com/consumer_rates/586497.aspx

March 23, 2016 Greetings, QM programs: ETHOS At Elite Mortgage, we offer NO POINT, NO COST program, which will save you thousand dollars. 10 Yr Fixed Conforming Rate & APR is 2.875%.... 10-15 Yr Fixed Conforming Rate & APR is 3.00%. 20 Yr Fixed Conforming Rate & APR is 3.625%. 25-30 Yr Fixed: Rate & APR is 3.750%. The Min. loan amount is $300K, SFR, PUD, O/O, credit score is 740, Debt-To-Income ratio 44% or less and LTV is 75%, No impound. if you contact me today (3-24/2015) and signed the loan application by this weekend, I will keep your rate (at 3.750%, 3.625% for 30 years, 20 years respectively) as promised. ****** Jumbo Conforming loan Amt from $417,001- $625,500 ****** 10 Yr Fixed: Rate & APR is 3.25%. 10-15 Yr Fixed: Rate & APR is 3.125%. 20Yr Fixed: Rate & APR is 4.125%. 30 -25 Yr Fixed: Rate & APR is 4.125%. ----------------------------------- ***** --------------------------------------- NON QM programs: Alternative Lending Programs - Non-Prime 1 day out of FC, SS, BK, DIL Credit scores down to 500 Up to 80% LTV* Up to 85% CLTV (75/10) Loans up to $2 million 100% gift funds allowed O/O, 2nd homes, investment Mortgage lates OK No active tradelines OK Non-warrantable condos OK -------------------------------- *** ---------------------------------------------- EXPANDED PLUS PRODUCTS: Minimum Fico only 660-700 Self Employed - P & L only from borrower 12 Months, or 24 Months your choice. Loan can be up to $2,500,000 Loan Amount up to $2.5 Million 4506T / Tax Returns Not Required ----------------------------------- ***** --------------------------------------- FHA Streamline Guidelines: FHA Loans: credit score as low as 560 (manual underwrite) Your FHA Streamline refinance loan without additional interest cost to the borrower regardless of the date the loan is funded. No appraisal/AVM requirements 550 minimum FICO - conforming and high balance loan amounts Max LTV/CLTV of 125% based on original appraised value 1-4 unit Properties No income documentation Mortgage history overlay removed Modification overlay removed ------------------------- ****** --------------------------------------- FHA Purchase Guidelines: 550 FICO up to 90.0% LTV 580 FICO up to 96.5% LTV No minimum trade lines No restrictions on gift funds Ginnie Mae Direct Seller Servicer Programs: 15, 20, 25 and 30 year Manufactured housing property types may be eligible* ------------------------- *** --------------------------------------- Separate us from the competition! Guaranteed lowest rate in town! Friendly and Family type services Turn every customer to become our good friends Please contact for more detail 714-697-3181 or 714-890-4829. Elite Mortgage Corporation NMLS#1360226 Troy Huynh NMLS# 344740

http://www.mortgagenewsdaily.com/consumer_rates/562214.aspx

Greetings, Mortgage Rates Nicely Lower Despite Strong Jobs Data. It may be a good time to refinance before rates go up again. If you’re looking to get a lower rate than we can help you. If you’re currently at or above four percent, take a look now at how much people just like you are saving. We'll show you how quick and easy it is. Don’t hesitate to lock in your rate, as the new year start here and rates are not looking to get any lower, according to the Fed. There will be 4...Continue reading

We are at the Elite Mortgage Corporation, grateful for our work with you in 2015, and we look forward to working for your mortgage and real estate needs in the New Year! Happy 2016 New Year and best wishes to you and your family.

Dec. 29, 2015 Greetings, Rates have remained relatively steady in recent weeks. It may be a good time to refinance before rates go up again. If you’re looking to get a lower rate than we can help you. If you’re currently at or above four percent, take a look now at how much people just like you are saving. We'll show you how quick and easy it is. ...Continue reading

QM programs: At Elite Mortgage, we also offer NO POINT, NO COST program, which will help you, can save thousand of dollars. 25-30 Yr Fixed Conforming Rate & APR is 4.00%. For 3.75% Closing Cost is ONLY $3,000 (ARP 3.801%) 20 Yr Fixed Conforming Rate & APR is 3.750% (no point, no cost) For 3.500% Closing Cost is ONLY $3,000 (ARP 3.546%)... 15 Yr Fixed: Rate & APR is 3.250% (no point, no cost). For 3% Closing cost is ONLY $3,000 10 Yr Fixed Conforming Rate & APR is 3.125% (no point, no cost). For 2.875% Closing cost is ONLY $3,000. The Min. loan amount is $300K, SFR, PUD, O/O, score is 740, Debt-To-Income ratio 43% or less and LTV is 75%, No impound. **** Jumbo Conforming loan Amount from $417,001- $625,000 **** 20-25-30 Yr Fixed: Rate & APR is 4.125%. For 3.875% Closing cost is ONLY $2,500 15 Yr Fixed: Rate & APR is 3.375%. For 3.125% Closing cost is ONLY $2,500 10 Yr Fixed: Rate & APR is 3.500%. For 3.25% Closing cost is ONLY $2,500 ------------------------- ***** ------------------------------------------------ NON QM programs: There are a lot changing in the lending industry lately. We now offer true stated income program for wage earner and self-employed borrowers. True stated mean, no pay stubs, no W-2, no tax return, not even 4506-T required. Foreign National Program ONLY need SS#, credit History must from US. For purchase needs 3 months Bank statements For Refi Not required (R&T and C/O) Max is 65% LTV for free and clear, 70% LTV for existing mortgage, no limit to cash out amount up to $2M or LTV whichever lower. The Program offers to: Investment SFR, Condo, 2-4 Units (NO O/O) Multi-Family, Mixed-use, Office, Retail, Warehouse, Auto Service. Min FICO is 650, and loan amount from $75K to $2M. ------------------------- *** --------------------------------------- EZ DOC no tax return OR w-2 required: 7/1 ARM Start rate @ PAR: 4.750% Applicable to California Residents only Minimum Fico only 680 Self Employed - P & L only from borrower Wage Earner - VOE only Gift Funds can be 90% of Down Payment 2 months Bank Statement only Foreign National Allowed Loan Amount up to $2.5 Million 4506 Not Required ------------------------- *** --------------------------------------- FHA Loans: credit score as low as 560 (manual underwrite) ------------------------- *** --------------------------------------- Separate us from the competition! Guaranteed lowest rate in town! Friendly and Family type services Turn every customer to become our good friends Please contact for more detail 714-697-3181 or 714-890-4829. All Real Estate Agents and Loan officers are welcomed, WE PAY HIGH COMMISSION! ***Turn on the Little Saigon Radio @1480AM to listen our talk show every Thursday at 5:10 PM for most updated lending guidelines and interest rates.*** Elite Mortgage Corporation NMLS#1360226 Troy Huynh NMLS# 344740

http://www.mortgagenewsdaily.com/consumer_rates/533891.aspx

Nov. 09, 2015. NON QM programs: There are a lot changing in the lending industry lately. We now offer true STATED INCOME program for wage earner (w-2) and self-employed borrowers. True STATED INCOME means, no pay stubs, no W-2, no tax return, not even 4506-T required. Foreign National Program ONLY need SS#, credit History must from US.... For purchase needs 3 months Bank statements For Refi No BANK STATEMENT required. Max LTV is 65% for free and clear properties and 70% LTV for existing mortgage, no limit to cash out amount up to $2M or LTV whichever lower. The Program offer to: Investment SFR, Condo, 2-4 Units (NO O/O) Multi-Family, Mixed-use, Office, Retail, Warehouse, Auto Service. Min FICO is 650, and loan amount from $75K to $2M QM programs: NO POINT, NO COST program, which will help you, can save thousand dollars. 25-30 Yr Fixed Conforming Rate & APR is 4.00%. 20 Yr Fixed Conforming Rate & APR is 4.00%. 15 Yr Fixed: Rate & APR is 3.250%. 10 Yr Fixed Conforming Rate & APR is 3.125%. The Min. loan amount is $300K, SFR, PUD, O/O, score is 740, Debt-To-Income ratio 43% or less and LTV is 75%, No impound. **** Jumbo Conforming loan Amount from $417,001- $625,000 **** 20-25-30 Yr Fixed: Rate & APR is 4.125% (no change) 15 Yr Fixed: Rate & APR is 3.375% (no change) 10 Yr Fixed: Rate & APR is 3.500% (no change) ------------------------- ***** ------------------------------------------------ EZ DOC no tax return OR W-2 required: 7/1 ARM Start rate @ 4.875% Applicable to California Residents only Minimum Fico only 680 Self Employed - P & L only from borrower Wage Earner - VOE only Gift Funds can be 90% of Down Payment 2 months Bank Statement only Foreign National Allowed Loan Amount up to $2.5 Million 4506 Not Required ------------------------- *** --------------------------------------- FHA Loans: credit score as low as 560 (manual underwrite) ------------------------- *** --------------------------------------- Separate us from the competition! Guaranteed lowest rate in town! Friendly and Family type services Turn every customer to become our good friends Please contact for more detail 714-697-3181 or 714-890-4829. All Real Estate Agents and Loan officers are welcomed, WE PAY HIGH COMMISSION! ***Turn on the Little Saigon Radio @1480AM to listen our talk show every Thursday at 5:10 PM for most updated lending guidelines and interest rates.*** Elite Mortgage Corporation NMLS#1360226 Troy Huynh NMLS# 344740

Nov. 5, 2015 NON QM programs: There are a lot changing in the lending industry lately. We now offer true STATED INCOME program for wage earner and self-employed borrowers. True stated mean, NO PAY STUBS, NO W-2, NO tax return , NOT EVEV 4506-T required.... Foreign National Program ONLY need SS#, credit History must from US, Bank statements must be in US. For purchase needs 3 months Bank statements Not required for Refi R&T and C/O Max 65% LTV for free and clear, 70% LTV for existing mortgage, no limit to cash out amount up to $2. Mil or LTV whichever lower. The Program offer to: Investment SFR, Condo, 2-4 Units. Multi-Family, Mixed-use, Office, Retail, Warehouse, Auto Service. Min FICO is 650, and loan amount from $75K to $2M QM programs: At Elite Mortgage, we also offer NO POINT, NO COST program, which will help you, can save thousand dollars. 25-30 Yr Fixed Conforming Rate & APR is 3.875%. 20 Yr Fixed Conforming Rate & APR is 3.750% 15 Yr Fixed Conforming Rate & APR is 3.250% The Min. loan amount is $300K, SFR, PUD, O/O, score is 740, Debt-To-Income ratio 43% or less and LTV is 75%, No impound. **** Jumbo Conforming loan Amount from $417,001- $625,000 **** 20-25-30 Yr Fixed: Rate & APR is 4.00% (no change) 20 Yr Fixed: Rate & APR is 4.00% (no change) 15 Yr Fixed: Rate & APR is 3.250% (no change) ------------------------- ***** ------------------------------------------------ NON QM programs only requires: 1. Pay stubs and VOE, (W-2 only) NO TAX RETURN REQUIRED. 2. Or 24 month Bank Statements - Personal or Business loan amt $150K-$1M 680 FICO, 7/1 ARMs or 30 Fixed, Purchase, O/O. 75% LTV Primary Residence, 50% DTI Self Employed Only. -------------------------------- *** ---------------------------------------------- EZ DOC no tax return OR w-2 required: *** 7/1 ARM Start rate @ PAR: 4.750%. Applicable to California Residents only Minimum Fico only 680 Primary Home, Investment. Self Employed - P & L only from borrower Wage Earner - VOE only Gift Funds can be 90% of Down Payment 2 months Bank Statement only Foreign National Allowed Loan Amount up to $2.5 Million 4506 Not Required ------------------------- *** --------------------------------------- FHA Loans: credit score as low as 560 (manual underwrite) ------------------------- *** --------------------------------------- Separate us from the competition! Guaranteed lowest rate in town! Friendly and Family type services Turn every customer to become our good friends Please contact for more detail 714-697-3181 or 714-890-4829. All Real Estate Agents and Loan officers are welcomed, WE PAY HIGH COMMISSION! ***Turn on the Little Saigon Radio @1480AM to listen our talk show every Thursday at 5:10 PM for most updated lending guidelines and interest rates.*** Elite Mortgage Corporation NMLS#1360226 Troy Huynh NMLS# 344740

Oct. 29, 2015 **** IMPORTANT UPDATE NEWS **** Freddie Mac /LP Products: Effective Immediately: The entire down payment may come from eligible gift funds when LTV is greater than 80% for 1 units primary residence transactions with standard fixed rate products when FICO is >= 720 & The DTI is <=45%. Effective Immediately: Short sales removed the previous waiting period requirements if the borrowers had previous short sale as LP is now considering the significance of the der...ogatory information. At Elite Mortgage, we offer NO POINT, NO COST, NO FEE programs, that will help you can save thousand dollars. 25-30 Yr Fixed Conforming Rate & APR is 3.875% 20 Yr Fixed Conforming Rate & APR is 3.625% 15 Yr Fixed Conforming Rate & APR is 3.125% The Min. loan amount is $300K, SFR, PUD, O/O, score is 740, Debt-To-Income ratio 43% or less and LTV is 75%, No impound. **** Jumbo Conforming loan $417,001- $625,000 **** 20-25-30 Yr Fixed: Rate & APR is 4.00% (no change) 20 Yr Fixed: Rate & APR is 4.00% (no change) 15 Yr Fixed: Rate & APR is 3.25% (no change) ------------------------- ***** ------------------------------------------------ NON QM programs only requires: 1. Pay stubs and VOE, (W-2 only) NO TAX RETURN REQUIRED. 2. Or 24 month Bank Statements - Personal or Business loan amount $150K-$1 Mil. 680 FICO, 7/1 ARMs or 30 Fixed, Purchase, O/O. 75% LTV Primary Residence, 50% DTI Self Employed Only. ------------------------- *** ------------------------------------------ Late or Mortgage!!! NO PROBLEM!!! Full doc - Most recent paystub and one of the following 1 year VOE or 1 year W2 or 2 years 1040’s 620 (Co-Borrower 560) 80% LTV 50%DTI Owner Occupied Purchase, Rate & Term & Cash out Housing Event Seasoning 3 years Loan Amounts $150k - $750k Mortgage late: 1x30 /12 or 2x30/24 ------------------------- *** --------------------------------------- EZ - DOC: 7/1 ARM Start rate @ PAR: 4.750% Applicable to California Residents only Minimum Fico only 680 Self Employed - P & L only from borrower Wage Earner - VOE only Gift Funds can be 90% of Down Payment 2 months Bank Statement only Foreign National Allowed Loan Amount up to $2.5 Million 4506 Not Required ------------------------- *** --------------------------------------- FHA Loans: credit score as low as 560 (manual underwrite) ------------------------- *** --------------------------------------- Separate us from the competition! Guaranteed Lowest rate in town! Friendly and Family type services Turn every customer to become our good friends Please contact for more detail 714-697-3181 or 714-890-4829. All Real Estate Agents and Loan officers are welcomed. ***Turn on the Little Saigon Radio @1480AM to listen our talk show every Thursday at 5:10 PM for most updated lending guidelines and interest rates.*** Elite Mortgage Corporation NMLS#1360226 Troy Huynh NMLS# 344740

Oct. 15, 2015 9:45 AM. **** IMPORTANT UPDATE NEWS **** Freddie Mac /LP Products: Effective Immediately: The entire down payment may come from eligible gift funds when LTV is greater than 80% for 1 units primary residence transactions with standard fixed rate products when FICO is >= 720 & The DTI is <=45%.... Effective Immediately: Short sales removed the previous waiting period requirements if the borrowers had previous short sale as LP is now considering the significance of the derogatory information. At Elite Mortgage, we offer NO POINT, NO COST, NO FEE programs, that will help you can save thousand dollars. 25-30 Yr Fixed Conforming Rate & APR is 3.750% (no change) 20 Yr Fixed Conforming Rate & APR is 3.50% (0.125% better) 15 Yr Fixed Conforming Rate & APR is 3.00% (0.125% better) 10 Yr Fixed Conforming Rate & APR is 2.875% (no change) The Min. loan amount is $300K, SFR, PUD, O/O, score is 740, Debt-To-Income ratio 43% or less and LTV is 75%, No impound. **** Jumbo Conforming loan $417,001- $625,000 **** 20-25-30 Yr Fixed: Rate & APR is 3.875% (no change) 15 Yr Fixed: Rate & APR is 3.125% (no change) 10 Yr Fixed: Rate & APR is 3.25% (no change) ------------------------- *** ------------------------------------------------ Late or Mortgage!!! NO PROBLEM!!! Full doc - Most recent paystub and one of the following 1 year VOE or 1 year W2 or 2 years 1040’s 620 (Co-Borrower 560) 80% LTV 50%DTI Owner Occupied Purchase, Rate & Term & Cash out Housing Event Seasoning 3 years Loan Amounts $150k - $750k Mortgage late: 1x30 /12 or 2x30/24 ------------------------- *** --------------------------------------- FHA Loans: credit score as low as 560 (manual underwrite) ------------------------- *** --------------------------------------- Separate us from the competition! Guaranteed Lowest rate in town! Friendly and Family type services Turn every customer to become our good friends Please contact for more detail 714-697-3181 or 714-890-4829. All Real Estate Agents and Loan officers are welcomed. ***Turn on the Little Saigon Radio @1480AM to listen our talk show every Thursday at 5:10 PM for most updated lending guidelines and interest rates.*** Elite Mortgage Corporation NMLS#1360226 Troy Huynh NMLS# 344740

Oct. 1, 2015 3:30 PM. It’s best time ever to refinance your home either lowering the rate or shortening the term of your loan, or cash out to finance your children’s education at NO COST to you. At Elite Mortgage, we offer NO POINT, NO COST, NO FEE programs, that will help you can save thousand dollars. 25-30 Yr Fixed Conforming Rate & APR is 3.750% (0.125% better) 20 Yr Fixed Conforming Rate & APR is 3.625% (no change)...Continue reading

September 23, 2015 10:30 AM. It’s best time ever to refinance your home either lowering the rate or shortening the term of your loan, or cash out to finance your children’s education at NO COST to you. At Elite Mortgage, we offer NO POINT, NO COST, NO FEE programs, that will help you can save thousand dollars. ...Continue reading

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September 15, 2015 10:00 AM. It’s best time ever to refinance your home either to lower the rate or Term, or cash out to finance your Kids education at NO cost to you. At Elite Mortgage, we offer NO POINT, NO COST, NO FEE programs. You can save thousand dollars. 25-30 Yr Fixed Conforming Rate & APR is 3.875% (no change) 20 Yr Fixed Conforming Rate & APR is 3.625% (no change)... 15 Yr Fixed Conforming Rate & APR is 3.125% (no change) 10 Yr Fixed Conforming Rate & APR is 3.00% (no change) 7/1 ARM Conforming Rate & APR is 3.375% (no change) The Min. loan amount is $290K, SFR, HUD, O/O, score is 740, Debt-To-Income ratio 43% or less and LTV is 75%, No impound. Jumbo Conforming loan $417,001- $625,000 for LA, OR, SB, SJ Counties 25-30 Yr Fixed: Rate & APR is 4.000% (lower by 0.125%) 20 Yr Fixed: Rate & APR is 4.000% (no change) 15 Yr Fixed: Rate & APR is 3.250% (no change) 10 Yr Fixed: Rate & APR is 3.375% (no change) *** HOMESTYLE program: you just bought cash for your home and need cash to renovate! No problem, we offer the refinance with fund for repairs/Renovations up to 95%. After Improved Value!!! NO SEASONING REQUIRED! NON QM programs only requires: Pay stubs and VOE, (W-2 only) NO TAX RETURN REQUIRED. Or 24 month Bank Statements - Personal or Business loan amount $150K-$1 Mil. 680 FICO, 7/1 ARMs or 30 Fixed, Purchase, O/O. 75% LTV Primary Residence. 50% DTI Self Employed Only. Late or Mortgage!!! NO PROBLEM!!! Full doc - Most recent paystub and one of the following 1 year VOE or 1 year W2 or 2 years 1040’s 620 ( Co-Borrower 560) 80% LTV 50%DTI Owner Occupied Purchase, Rate & Term & Cash out Housing Event Seasoning 3 years Loan Amounts $150k - $750k Mortgage late: 1x30 /12 or 2x30/24 SPECIAL PORTFOLIO: 1.) 20% down min 30 Fixed Non Prime Standard (flyer attached) A) This program only needs 1 day seasoning out of Foreclosure or Short Sale BK needs 12 months 2.) 30% down min Series 400 Portfolio 5/1 ARM (flyer attached) A) This program only needs 12 months seasoning out of Foreclosure, Short Sale or BK. ***** FHA Loans: credit score as low as 560 (manual underwrite) Separate us from the competition! Guaranteed Lowest rate in town! Will match or better other Lenders. Friendly and Family type services Turn every customer to become our good friends Please contact for more detail 714-697-3181 or 714-890-4829. All Real Estate Agents and Loan officers are welcomed. ***Turn on the Little Saigon Radio @1480AM to listen our talk show every Thursday at 5:10 PM for most updated lending guidelines and interest rates.*** Elite Mortgage Corporation NMLS#1360226

September 14, 2015 4:30 PM. Good morning FB friends; It’s best time ever to refinance your home either to lower the rate or Term, or cash out to finance your Kids education at NO cost to you. **** We offer NO POINT, NO COST programs and You can save thousand dollars. Interest rate is still unchanged in last couple days. According to the experts, The Fed will raised interest by the end of this Sept. or latest in the end of this year.... ***** For conforming loan $1-417K: 25-30 Yr Fixed Conforming Rate & APR is 3.875% 20 Yr Fixed Conforming Rate & APR is 3.625% (lower 0.125%) 15 Yr Fixed Conforming Rate & APR is 3.125% (lower 0.125%) 10 Yr Fixed Conforming Rate & APR is 3.000% (same) The Min. loan amount is $290K, SFR, HUD, O/O, score is 740, Debt-To-Income ratio 43% or less and LTV is 75%, No impound. ****Jumbo Conforming loan $417,001- $625,000 for LA, OR, SB, SJ Counties 25-30 Yr Fixed: Rate & APR is 4.000% (lower 0.125%) 20 Yr Fixed: Rate & APR is 4.000% (same) 15 Yr Fixed: Rate & APR is 3.250% (same) 10 Yr Fixed: Rate & APR is 3.375% (same) *** HOMESTYLE program: you just bought cash for your home and need cash to renovate! No problem, we offer the refinance with fund for repairs/Renovations up to 95%. After Improved Value!!! NO SEASONING REQUIRED! NON QM programs only requires: 1. Pay stubs and VOE, (W-2 only) NO TAX RETURN REQUIRED. 2. Or 24 month Bank Statements - Personal or Business loan amount $150K-$1 Mil. 680 FICO, 7/1 ARMs or 30 Fixed, Purchase, O/O. 75% LTV Primary Residence. 50% DTI Self Employed Only. **** Late or Mortgage!!! NO PROBLEM!!! Full doc - Most recent paystub and one of the following 1 year VOE or 1 year W2 or 2 years 1040’s 620 ( Co-Borrower 560) 80% LTV 50%DTI Owner Occupied Purchase, Rate & Term & Cash out Housing Event Seasoning 3 years Loan Amounts $150k - $750k Mortgage late: 1x30 /12 or 2x30/24 **** PORTFOLIO PROGRAM: 1.) 20% down min 30 Fixed Non Prime Standard i. This program only needs 1 day seasoning out of Foreclosure or Short Sale BK needs 12 months 2.) 30% down min Series 400 Portfolio 5/1 ARM i. This program only needs 12 months seasoning out of Foreclosure, Short Sale or BK. ELITE MORTGAGE is now offering conventional financing up to 97% LTV first-time homebuyers with a DU approval. Need only down 3% NO MI for primary home, FICO 720. Guaranteed Lowest rate in town! Will match or better rate. Friendly and Family type services Turn every customer to become our good friends Please contact for more detail 714-697-3181 or 714-890-4829. All Real Estate Agents and Loan officers are welcomed. ***Turn on the Little Saigon Radio @1480AM to listen our talk show every Thursday at 5:10 PM for most updated lending guidelines and interest rates.*** Elite Mortgage Corporation NMLS#1360226

September 10, 2015 4:30 PM. It’s best time ever to refinance your home either to lower the rate or Term, or cash out to finance your Kids education at NO cost to you. **** At Elite Mortgage, we offer NO POINT, NO COST, NO FEE programs. You can save thousand dollars. 25-30 Yr Fixed Conforming Rate & APR is 3.875% ... 20 Yr Fixed Conforming Rate & APR is 3.750% 15 Yr Fixed Conforming Rate & APR is 3.250% 10 Yr Fixed Conforming Rate & APR is 3.00% 7/1 ARM Conforming Rate & APR is 3.375% The Min. loan amount is $290K, SFR, HUD, O/O, score is 740, Debt-To-Income ratio 43% or less and LTV is 75%, No impound. ****Jumbo Conforming loan $417,001- $625,000 for LA, OR, SB, SJ Counties 25-30 Yr Fixed: Rate & APR is 4.125% 20 Yr Fixed: Rate & APR is 4.000% 15 Yr Fixed: Rate & APR is 3.250% 10 Yr Fixed: Rate & APR is 3.375% *** HOMESTYLE program: you just bought cash for your home and need cash to renovate! No problem, we offer the refinance with fund for repairs/Renovations up to 95%. After Improved Value!!! NO SEASONING REQUIRED! NON QM programs only requires: 1. Pay stubs and VOE, (W-2 only) NO TAX RETURN REQUIRED. 2. Or 24 month Bank Statements - Personal or Business loan amount $150K-$1 Mil. 680 FICO, 7/1 ARMs or 30 Fixed, Purchase, O/O. 75% LTV Primary Residence. 50% DTI Self Employed Only. **** Late or Mortgage!!! NO PROBLEM!!! Full doc - Most recent paystub and one of the following 1 year VOE or 1 year W2 or 2 years 1040’s 620 ( Co-Borrower 560) 80% LTV 50%DTI Owner Occupied Purchase, Rate & Term & Cash out Housing Event Seasoning 3 years Loan Amounts $150k - $750k Mortgage late: 1x30 /12 or 2x30/24 **** PORTFOLIO PROGRAM: 1.) 20% down min 30 Fixed Non Prime Standard i. This program only needs 1 day seasoning out of Foreclosure or Short Sale BK needs 12 months 2.) 30% down min Series 400 Portfolio 5/1 ARM i. This program only needs 12 months seasoning out of Foreclosure, Short Sale or BK. ELITE MORTGAGE is now offering conventional financing up to 97% LTV first-time homebuyers with a DU approval. Need only down 3% NO MI for primary home, FICO 720. Guaranteed Lowest rate in town! Will match or better rate. Friendly and Family type services Turn every customer to become our good friends Please contact for more detail 714-697-3181 or 714-890-4829. All Real Estate Agents and Loan officers are welcomed. ***Turn on the Little Saigon Radio @1480AM to listen our talk show every Thursday at 5:10 PM for most updated lending guidelines and interest rates.*** Elite Mortgage Corporation NMLS#1360226

Troy Hunh vi hn 15 nm làm vic cho nhng ngân hàng ln, rt am tng v lãnh vc vay mn a c, nhà cng nh c s kinh doanh, luôn luôn gi ch tín và t li ích ca thân ch làm u. Troy Hunh là Mortgage Broker nên Troy có th chn la Ngân hàng thích hp nht cho khách hàng, vi tin li thp nht. xin liên lc Troy Hunh at 714-697-3181 làm vic t Th Hai-Th By 8:30 Sáng n 7:00 Chiu. Vn phòng ang cn nhiu loan Officer hp tác vi commission r...t cao và sn sàng hun luyn cho nhng agents mi vào ngh. Elite Mortgage Corporation NMLS# 1360226

Mortgage Rates Holding Near Recent Highs due to stock market is more stable in the last 5 days. The investor is confident in the US market. http://www.mortgagenewsdaily.com/consumer_rates/510796.aspx

Good morning I hope you all have a wonderful holiday. Just want to share with you, It’s best time ever to refinance your home either to lower the rate or Term, or cash out to finance your children education, or expand your home, remodel your kitchen that you have dream of, at NO cost to you. At Elite Mortgage, we offer NO POINT, NO COST, NO FEE programs. You can save thousand dollars. Our office is looking for loan officers and RE agents, We pay highest commission and will... train new LO and RE agents. Elite Mortgage Corporation NMLS# 1360226 TOPIC: Mortgage Rates at Recent Lows After Jobs Data. http://www.mortgagenewsdaily.com/consumer_rates/509440.aspx

August 31, 2015 11:30 PM. Refinance your home either to lower the rate or Term, or cash out to finance your Kids education at NO cost to you. At Elite Mortgage, we offer NO POINT, NO COST, NO FEE programs. You can save thousand dollars. 25-30 Yr Fixed Conforming Rate & APR is 3.875% 20 Yr Fixed Conforming Rate & APR is 3.625%... 15 Yr Fixed Conforming Rate & APR is 3.125% 10 Yr Fixed Conforming Rate & APR is 3.00% 7/1 ARM Conforming Rate & APR is 3.250% The Min. loan amount is 290K, SFR, HUD, O/O, score is 740, Debt-To-Income ratio 43% or less and LTV is 75%, No impound. *****Jumbo Conforming loan $417,001- $625,000 for LA, OR, SB, SJ Counties*** 25-30 Yr Fixed: Rate & APR is 4.00% 20 Yr Fixed: Rate & APR is 4.000% 15 Yr Fixed: Rate & APR is 3.250% 10 Yr Fixed: Rate & APR is 3.375% 7/1 ARM Rate & APR is 3.500% *** HOMESTYLE program: you just bought cash for your home and need cash to renovate! No problem, we offer the refinance with fund for repairs/Renovations up to 95%. After Improved Value!!! NO SEASONING REQUIRED! Late or Mortgage!!! NO PROBLEM!!! Full doc - Most recent paystub and one of the following 1 year VOE or 1 year W2 or 2 years 1040’s 620 ( Co-Borrower 560) 80% LTV 50%DTI Owner Occupied Purchase, Rate & Term & Cash out Housing Event Seasoning 3 years Loan Amounts $150k - $750k Mortgage late: 1x30 /12 or 2x30/24 **** 1 day seasoning out of Foreclosure or Short Sale BK needs 12 months**** 20% down min 30 Fixed Non Prime Standard => rate is 6.625% ****12 months seasoning out of Foreclosure, Short Sale or BK **** 30% down min Series 400 Portfolio 5/1 ARM => rate is 4.875% Separate us from the competition! Guaranteed Lowest rate in town! Will match or better other Lenders. Friendly and Family type services Turn every customer to become our good friends Please contact for more detail 714-697-3181 or 714-890-4829. All Real Estate Agents and Loan officers are welcomed. Will train no experience LO. ***Turn on the Little Saigon Radio @1480AM to listen our talk show every Thursday at 5:10 PM for most updated lending guidelines and interest rates.*** Elite Mortgage Corporation NMLS#1360226

Volatile Week Over the past week, mortgage rates were pushed and pulled by unusually large movements in global stock markets. The economic data had little impact. After a volatile week, mortgage rates ended just a little higher. Concerns about slowing global economic growth, particularly in China, caused the U.S. stock market to decline sharply early in the week. However, with stocks at much lower prices, buyers stepped in later in the week, erasing the week's earlier losses.... While the magnitude of the moves were relatively smaller, a similar pattern was seen in mortgage rates. They dropped early in the week and then gave back their improvement later in the week. This relationship between stocks and mortgage rates is common, as investors shift assets between stocks and bonds. The recent revisions to U.S. Gross Domestic Product, the broadest measure of economic activity, revealed an increase in growth during the second quarter to 3.7% from an original estimate of 2.3%. This follows a much smaller gain of 0.6% during the first quarter. One factor behind the improved performance during the second quarter was a significant increase in inventories. This is unlikely to continue next quarter, however, and early forecasts for the third quarter are for growth below 2.0%. Next week, the important monthly Employment report will be released on Friday. As usual, this data on the number of jobs, the Unemployment Rate, and wage inflation will be the most highly anticipated economic data of the month. Before that, ISM Manufacturing will be released on Tuesday. The ADP Employment Change will come out on Wednesday. ISM Services will be released on Thursday. In addition, there will be a European Central Bank (ECB) meeting on Thursday at which some investors expect ECB officials to discuss a possible need for additional stimulus. Internet Source.

August 27, 2015 1:30 PM. Refinance your home either to lower the rate or Term, or cash out to finance your Kids education at NO cost to you. At Elite Mortgage, we offer NO POINT, NO COST, NO FEE programs. You can save thousand dollars.... 25-30 Yr Fixed Conforming Rate & APR is 3.875% - ETHOS 20 Yr Fixed Conforming Rate & APR is 3.625% 15 Yr Fixed Conforming Rate & APR is 3.125% 10 Yr Fixed Conforming Rate & APR is 3.00% 7/1 ARM Conforming Rate & APR is 3.125% The Min. loan amount is 300K, SFR, HUD, O/O, score is 740, Debt-To-Income ratio 43% or less and LTV is 75%, No impound. **** Jumbo Conforming loan $417,001- $625,000 for LA, OR, SB, SJ Counties 25-30 Yr Fixed: Rate & APR is 4.00% 20 Yr Fixed: Rate & APR is 4.125% 15 Yr Fixed: Rate & APR is 3.250% 10 Yr Fixed: Rate & APR is 3.375% 7/1 ARM Rate & APR is 3.500% *** HOMESTYLE program: you just bought cash for your home and need cash to renovate! No problem, we offer the refinance with fund for repairs/Renovations up to 95%. After Improved Value!!! NO SEASONING REQUIRED! **** Late or Mortgage!!! NO PROBLEM!!! Full doc - Most recent paystub and one of the following 1 year VOE or 1 year W2 or 2 years 1040’s 620 ( Co-Borrower 560) 80% LTV 50%DTI Owner Occupied Purchase, Rate & Term & Cash out Housing Event Seasoning 3 years Loan Amounts $150k - $750k 1x30 /12 or 2x30/24 ****** Separate us from the competition******* Guaranteed Lowest rate in town! Will match or better other Lenders. Friendly and Family type services Turn every customer to become our good friends Please contact for more detail 714-697-3181 or 714-890-4829. All Real Estate Agents and Loan officers are welcomed. ***Turn on the Little Saigon Radio @1480AM to listen our talk show every Thursday at 5:10 PM for most updated lending guidelines and interest rates.*** Elite Mortgage Corporation NMLS#1360226

August 25, 2015 11:00 AM. Refinance your home either to lower the rate or Term, or cash out to finance your Kids education at NO cost to you. At Elite Mortgage, we offer NO POINT, NO COST, NO FEE programs. You can save thousand dollars. 25-30 Yr Fixed Conforming Rate & APR is 3.750% 20 Yr Fixed Conforming Rate & APR is 3.625%... 15 Yr Fixed Conforming Rate & APR is 3.00% 10 Yr Fixed Conforming Rate & APR is 2.875% 7/1 ARM Conforming Rate & APR is 3.125% The Min. loan amount is 300K, SFR, HUD, O/O, score is 740, Debt-To-Income ratio 43% or less and LTV is 75%, No impound. Jumbo Conforming loan $417,001- $625,000 for LA, OR, SB, SJ Counties 25-30 Yr Fixed: Rate & APR is 3.875% 20 Yr Fixed: Rate & APR is 4.125% 15 Yr Fixed: Rate & APR is 3.125% 10 Yr Fixed: Rate & APR is 3.250% 7/1 ARM Rate & APR is 3.500% *** HOMESTYLE program: you just bought cash for your home and need cash to renovate! No problem, we offer the refinance with fund for repairs/Renovations up to 95%. After Improved Value!!! NO SEASONING REQUIRED! Please contact for more detail 714-697-3181 or 714-890-4829. All Real Estate Agents and Loan officers are welcomed. ***Turn on the Little Saigon Radio @1480AM to listen our talk show every Thursday at 5:10 PM for most updated lending guidelines and interest rates.*** Elite Mortgage Corporation NMLS#1360226

The Dollar, Oil Prices and Rates It is obvious that every month of more than 200,000 jobs added gets us closer and closer. But employment is not the only variable affecting the Federal Reserve Board's thinking. This month when China devalued their currency in a move they said would let market forces set the value, one of these variables was front and center. This variable is the value of the U.S. dollar. Why do we care about the value of the dollar? In the past year, the va...Continue reading

China surprised the world by allowing its currency, the yuan, to float freely in the market and devalue by nearly 2 percent against the dollar the biggest devaluation of the currency in 20-plus years. China took this action to help their slowing economy and rising deflation risk. Why does this matter? Exporters in other parts of the world are less competitive if their currency is stronger than China's, so businesses here at home could feel the pinch. Also, a strong dollar v...ersus the yuan could keep inflation low because China's goods are cheaperand low inflation is one of several factors that could delay the Fed in raising its benchmark Fed Funds Rate. (Rumor Fed will increase interest rate in this Sept.) While wholesale inflation was hotter than expected in July, overall inflation remains contained by a stronger dollar and weaker oil prices. Inflation is a key dynamic to monitor as we head toward the Fed's September meeting. If inflation remains low, it could help fixed investments like Mortgage Bonds hold steady or improve, which would also be good news for home loan rates. Also of note, Retail Sales increased 0.6 percent in July, as consumers spent on a broad array of goods. This was a big jump from the unchanged reading in June, which was revised from -0.3 percent. Solid job growth, a recent rise in wages and low gas prices have given consumers more confidence to spend money. Higher spending could lead to higher growth for the third quarter, which is especially important as the economy expanded by just 0.6 percent in the first quarter of this year. For now, home loan rates remain near historic lows. Let me know if I can answer any questions at all about the mortgage market, housing or home loan rates for you or your clients (The Realtors). http://humanelevation.tonyrobbins.com//china-stock-market-

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Falling Gas Prices Could Boost Home Sales Falling gas prices can shorten the time it takes a house to sell and can increase the selling price, according to results from an ongoing longitudinal study by Florida Atlantic University and Longwood University faculty. Using data from central Virginia and spanning over 10 years of gas price changes and housing transactions, researchers found statistical evidence to indicate that for every $1 per gallon decrease in gasoline price, av...erage time to sell a property decreases by 25 days. In addition, for every $1 per gallon decrease in gasoline prices the average selling price rises by 2.4 percent, which amounts to roughly $4,000 per sold property in the study. The good news from the seller's perspective does not end there. A $1 decrease is also shown to increase a seller's chances of selling and closing by roughly 20 percent. "In the event of a forced sale, these odds are very welcome news for a seller who might already own a second property and must close," explained Ken Johnson, Ph.D., a real estate economist and an associate dean of graduate programs and professor in FAU's College of Business. Based on these findings, the immediate future looks bright for home sellers. Gas prices are down nearly $1 from where they were a year ago, and prices this summer are expected to be the lowest they've been since 2009 "due to stabilizing crude oil costs and as refineries complete seasonal maintenance," according to the American Automobile Association (AAA). Source: PR Newswire See more

August 18, 2015 10:15 AM. Refinance your home either to lower the rate or Term, or cash out to finance your Kids education at NO cost to you. At Elite Mortgage, we offer NO POINT, NO COST, NO FEE programs. You can save thousand dollars. 25-30 Yr Fixed Conforming Rate & APR is 3.875% 20 Yr Fixed Conforming Rate & APR is 3.750%... 15 Yr Fixed Conforming Rate & APR is 3.250% 10 Yr Fixed Conforming Rate & APR is 3.00% 7/1 ARM Conforming Rate & APR is 3.250% The Min. loan amount is 280K, SFR, HUD, O/O, score is 740, Debt-To-Income ratio 43% or less and LTV is 80%, No impound. Jumbo Conforming loan $417,001- $625,000 for LA, OR, SB, SJ Counties 25-30 Yr Fixed: Rate & APR is 4.00% 20 Yr Fixed: Rate & APR is 4.125% 10-15 Yr Fixed: Rate & APR is 3.375% 7/1 ARM Rate & APR is 3.500% *** HOMESTYLE program: you just bought cash for your home and need cash to renovate! No problem, we offer the refinance with fund for repairs/Renovations up to 95%. After Improved Value!!! NO SEASONING REQUIRED! NON QM programs only requires: 1. Pay stubs and VOE, (W-2 only) NO TAX RETURN REQUIRED. 2. Or 24 month Bank Statements - Personal or Business loan amount $150K-$1 Mil. 680 FICO, 7/1 ARMs or 30 Fixed, Purchase, O/O. 75% LTV Primary Residence. 50% DTI Self Employed Only. **** Late or Mortgage!!! NO PROBLEM!!! Full doc - Most recent paystub and one of the following 1 year VOE or 1 year W2 or 2 years 1040’s 620 ( Co-Borrower 560) 80% LTV 50%DTI Owner Occupied Purchase, Rate & Term & Cash out Housing Event Seasoning 3 years Loan Amounts $150k - $750k 1x30 /12 or 2x30/24 ELITE MORTGAGE is now offering conventional financing up to 97% LTV first-time homebuyers with a DU approval. Need only down 3% NO MI for primary home, FICO 720. Separate us from the competition! Guaranteed Lowest rate in town! Friendly and Family type services Turn every customer to become our good friends Please contact for more detail 714-697-3181 or 714-890-4829. All Real Estate Agents and Loan officers are welcomed. ***Turn on the Little Saigon Radio @1480AM to listen our talk show every Thursday at 5:10 PM for most updated lending guidelines and interest rates.*** Elite Mortgage Corporation NMLS#761623

Mortgage Rates Pull Back as Overseas Drama Subsides http://www.mortgagenewsdaily.com/consumer_rates/499968.aspx

Hello FB, Yesterday, after China de-valued the Yuan, mortgage has drop to 3.750% (APR 3.792%) for some lender was 4.00%. Today MBS are down -3/32 (FNMA 30-yr 3.5 at 103.19), around 7/32 lower than yesterday at this time. First favorable and later unfavorable repricing took place yesterday. Today's economic data (see below) had little impact on MBS prices. The Dow is down 25 points. No more economic data will be released today. The results from the 30-yr Treasury auction wil...l come out around 1:00 et. July Retail Sales increased 0.6% from August, slightly above the consensus of 0.5%. Retail Sales ex-Auto rose 0.4%, matching the consensus. More notably, the July data was revised significantly higher, removing the unexpected shortfall seen last month. Weekly Jobless Claims rose to 274K, close to the consensus of 270K. Import Prices came in close to expectations. August 13, 2015 1:30 AM. Refinance your home either to lower the rate or Term, or cash out to fiancé your Kids education at NO cost to you. At Elite Mortgage, we offer NO POINT, NO COST, NO FEE programs. You can save thousand dollars. 25-30 Yr Fixed Conforming Rate & APR is 3.875% - ETHOS 20 Yr Fixed Conforming Rate & APR is 3.750% 15 Yr Fixed Conforming Rate & APR is 3.250% 10 Yr Fixed Conforming Rate & APR is 3.00% 7/1 ARM Conforming Rate & APR is 3.250% The Min. loan amount is 280K, SFR, HUD, O/O, score is 740, Debt-To-Income ratio 43% or less and LTV is 80%, No impound. Jumbo Conforming loan $417,001- $625,000 for LA, OR, SB, SJ Counties 25-30 Yr Fixed: Rate & APR is 4.00% 20 Yr Fixed: Rate & APR is 4.125% 15 Yr Fixed: Rate & APR is 3.375% 10 Yr Fixed: Rate & APR is 3.375% 7/1 ARM Rate & APR is 3.500% *** HOMESTYLE program: you just bought cash for your home and need cash to renovate! No problem, we offer the refinance with fund for repairs/Renovations up to 95%. After Improved Value!!! NO SEASONING REQUIRED! NON QM programs only requires: Late or Mortgage!!! NO PROBLEM!!! Full doc - Most recent paystub and one of the following 1 year VOE or 1 year W2 or 2 years 1040’s 620 ( Co-Borrower 560) 80% LTV 50%DTI Owner Occupied Purchase, Rate & Term & Cash out Housing Event Seasoning 3 years Loan Amounts $150k - $750k 1x30 /12 or 2x30/24 ELITE MORTGAGE is now offering conventional financing up to 97% LTV first-time homebuyers with a DU approval. Need only down 3% NO MI for primary home, FICO 720. FHA Loans: credit score as low as 560 (manual underwrite) Separate us from the competition! Guaranteed Lowest rate in town! Will match or better other Lenders. Friendly and Family type services Turn every customer to become our good friends Please contact for more detail 714-697-3181 or 714-890-4829. All Real Estate Agents and Loan officers are welcomed. ***Turn on the Little Saigon Radio @1480AM to listen our talk show every Thursday at 5:10 PM for most updated lending guidelines and interest rates.***

Good morning FB; Rate is drop dramatically today. Lock your rate to benefit the low rate. http://www.mortgagenewsdaily.com/consumer_rates/498465.aspx

Landscaping is one of the most important ways to increase your property’s value quickly also fun to work on landscaping too, it's a good relaxing way, I can use the time to reflect what happen in last 2 weeks of my life and adjust for the future and plan for next week. http://blog.rismedia.com//top-5-landscaping-tips-to-incr/

What's happening to the mortgage rate lately? For the second week in a row, the 30-year fixed improved nicely, dropping to 3.91% (APR 4.015%) and the 15-year improved to 3.13 % (APR 3.261). What does this mean? Assuming a borrower gets the average 30-year conforming fixed rate on a $417,000 loan, this week's payment of $1,969 is $55 less than last year's $2,024. Should you take advantage of these rates? I know many of the best lenders, and, unfortunately, some of the worst. Call or email me if I can help in any way. Read more in detail on the Mortgage News Daily link below. http://www.mortgagenewsdaily.com/consumer_rates/496996.aspx

Every single one of us when come to selling your home, we all want to get the best offer, at the best price. I like to share with you some tips that may help you for a bigger profit. we all know that we are in the home market that on the rise. It's up 9% from last year, according to the National Association of Realtors. 1st you need to stage your property: Clean up, put away extra stuff, redecorate your home, According to an NAR report, 81 percent of real estate agents agre...e it's easier for a buyer to visualize a staged property as a future home, that why builder has Model home. Average cost for staging is $600.00 or if you are has good taste, you can DIY. http://www.diynetwork.com/how-/make-and-decorate/decorating Create a Home History: most of us, buyer want to know about the property that we will buy and live for at least 7 years and most of us are busy with life, work and family, we want a homes that are move-in ready and well kept home. we can create the a digital record in USB or give it to your RE agent a footprint that details a home maintenance's record, floor plans, for sure the buyer will like it a lot. Boost your curl appeal: a good looking front yard, with waterfall, a nice walk way with some solar light outside of your home will have a hug effect on how potential buyers. A freshly painted front door, and wall (home project with your spouse and Kids, will create and family connection) And if you have time and budget, then update flooring. Old carpet will give an eyesore to prospective buyers, a lot of buyers also allergy with old carpet or dogs, cats fur. 54% are willing to pay more for a home with hardwood floor -date from NAR. And last but not least, if your buyer is a female decision making, then kitchen is most important part of home buying decision. Upgrade your kitchen and you will recoup the investment easily. According to a 2015 study by Remodeling Magazine. When i shows the properties to couple, the 1st thing the wife want to see is the kitchen and most important features must have is new appliances, island, granite counter top. I hope the article will help and good luck!. Troy Huynh 714-697-3181 RE Broker #01889229

August 06, 2015 2:30 PM. Refinance your home either to lower the rate or Term, or cash out to finance your Kids education at NO cost to you. Elite Mortgage, we offer NO POINT, NO COST, NO FEE programs. ... 25-30 Yr Fixed Conforming Rate & APR is 3.875% 20 Yr Fixed Conforming Rate & APR is 3.750% 15 Yr Fixed Conforming Rate & APR is 3.250% 10 Yr Fixed Conforming Rate & APR is 3.00% 7/1 ARM Conforming Rate & APR is 3.250% The Min. loan amount is 280K, SFR, HUD, O/O, score is 740, Debt-To-Income ratio 43% or less and LTV is 80%, No impound. Jumbo Conforming loan $417,001- $625,000 for LA, OR, SB, SJ Counties 25-30 Yr Fixed: Rate & APR is 4.125% 20 Yr Fixed: Rate & APR is 4.250% 15 Yr Fixed: Rate & APR is 3.375% 10 Yr Fixed: Rate & APR is 3.500% 7/1 ARM Rate & APR is 3.500% *** HOMESTYLE program: you just bought cash for your home and need cash to renovate! No problem, we offer the refinance with fund for repairs/Renovations up to 95% . After Improved Value!!! NO SEASONING REQUIRED! NON QM programs only requires: 1. Pay stubs and VOE, (W-2 only) NO TAX RETURN REQUIRED. 2. Or 24 month Bank Statements - Personal or Business loan amount $150K-$1 Mil. 680 FICO, 7/1 ARMs or 30 Fixed, Purchase, O/O. 75% LTV Primary Residence. 50% DTI Self Employed Only. Late or Mortgage!!! NO PROBLEM!!! Full doc - Most recent paystub and one of the following 1 year VOE or 1 year W2 or 2 years 1040’s 620 ( Co-Borrower 560) 80% LTV 50%DTI Owner Occupied Purchase, Rate & Term & Cash out Housing Event Seasoning 3 years Loan Amounts $150k - $750k 1x30 /12 or 2x30/24 ELITE MORTGAGE is now offering conventional financing up to 97% LTV first-time homebuyers with a DU approval. Need only down 3% NO MI for primary home, FICO 720. FHA Loans: credit score as low as 560 (manual underwrite) Separate us from the competition! Guaranteed Lowest rate in town! Will match or better other Lenders. Friendly and Family type services Turn every customer to become our good friends Please contact for more detail 714-697-3181 or 714-890-4829. All Real Estate Agents and Loan officers are welcomed. ***Turn on the Little Saigon Radio @1480AM to listen our talk show every Thursday at 5:10 PM for most updated lending guidelines and interest rates.***

Good morning FB; I posted on my Personal on Wednesday, and today I like to share to my friend in business as well. As a busy agent, and business owner, I sometimes may find it difficult to find the time to read a motivating book, but I can certainly find time to read a few quotes! so do you. Today, I wanted to share with you a few of my favorite quotes; I hope you will enjoy them, too.... Every thought is a seed. If you plant crab apples, don't count on harvesting Golden Delicious. Bill Meyer "Opportunity is missed by most people because it is dressed in overalls and looks like work." Thomas Alva Edison Success is simple. Do what's right, the right way, at the right time. Arnold H. Glasgow Don't be a time manager, be a priority manager. Cut your major goals into bite-sized pieces. Each small priority or requirement on the way to your ultimate goal becomes a mini-goal in itself. Denis Waitley I can accept failure, everyone fails at something. But I can’t accept not trying. Michael Jordan Have a wonderful Thursday. See more

Interesting trend emerging with commercial properties... Real Estate Equity Crowdfunding http://www.forbes.com//move-over-kickstarter-real-estate-/

August 04, 2015 9:10 AM. Elite Mortgage offers NO POINT, NO COST, NO FEE programs. You can save thousand dollars. 25-30 Yr Fixed Conforming Rate & APR is 3.875% 20 Yr Fixed Conforming Rate & APR is 3.750%... 15 Yr Fixed Conforming Rate & APR is 3.125% 10 Yr Fixed Conforming Rate & APR is 3.00% 7/1 ARM Conforming Rate & APR is 3.125% The Min. loan amount is 280K, SFR, HUD, O/O, score is 740, Debt-To-Income ratio 43% or less and LTV is 80%, No impound. *** Jumbo Conforming loan $417,001- $625,000 for LA, OR, SB, SJ Counties: 25-30 Yr Fixed: Rate & APR is 4.125% 20 Yr Fixed: Rate & APR is 4.125% 15 Yr Fixed: Rate & APR is 3.250% 10 Yr Fixed: Rate & APR is 3.375% 7/1 ARM Rate & APR is 3.750% *** HOMESTYLE program: you just bought cash for your home and need cash to renovate! No problem, we offer the refinance with fund for repairs/Renovations up to 95% . After Improved Value!!! NO SEASONING REQUIRED! *** NON QM programs only requires: 1. Pay stubs and VOE, (W-2 only) NO TAX RETURN REQUIRED. 2. Or 24 month Bank Statements - Personal or Business loan amount $150K-$1 Mil. 680 FICO, 7/1 ARMs or 30 Fixed, Purchase, O/O. 75% LTV Primary Residence. 50% DTI Self Employed Only. **** Late or Mortgage!!! NO PROBLEM ***** Full doc - Most recent paystub and one of the following 1 year VOE or 1 year W2 or 2 years 1040’s 620 ( Co-Borrower 560) 80% LTV 50%DTI Owner Occupied Purchase, Rate & Term & Cash out Housing Event Seasoning 3 years Loan Amounts $150k - $750k 1x30 /12 or 2x30/24 **** ELITE MORTGAGE is now offering conventional financing up to 97% LTV first-time homebuyers with a DU approval. Need only down 3% NO MI for primary home, FICO 720. **** FHA Loans: credit score as low as 560 (manual underwrite) ***** Separate us from the competition. ***** Guaranteed Lowest rate in town! Will match or better other Lenders. Friendly and Family type services Turn every customer to become our good friends Please contact for more detail 714-697-3181 or 714-890-4829. All Real Estate Agents and Loan officers are welcomed. ***Turn on the Little Saigon Radio @1480AM to listen our talk show every Thursday at 5:10 PM for most updated lending guidelines and interest rates.***

July 29, 2015 10:00 AM. YOU START YOUR LOANS OFF RIGHT W/ ELITE MORTGAGE CORPORATION. At Elite Mortgage, we offer NO POINT, NO COST, NO FEE programs. You can save thousand dollars. 25-30 Yrs fixed Conforming rate is 4.00% (APR 4.00%)... 20 Yrs fixed Conforming rate is 3.750% (APR 3.750%) 15 Yrs fixed Conforming rate is 3.250 % (APR 3.250%) 10/1 ARM Conforming rate is 3.625 % (APR 3.625%) The Min. loan amount is 280K, SFR, HUD, O/O, score is 740, Debt-To-Income ratio 43% or less and LTV is 80%, No impound. Jumbo Conforming loan $417,001- $625,000 for LA, OR, SB, 25-30 yrs: 4.1250% (APR 4.125%) 20 yrs: 4.250% (APR 4.250%) 15 yrs: 3.375% (APR 3.375%) 10/1 ARM Conforming rate is 3.750 % (APR 3.750%) *** HOMESTYLE program: you just bought cash for your home and need cash to renovate! No problem, we offer the refinance with fund for repairs/Renovations up to 95% After Improved Value!!! NO SEASONING REQUIRED! NON QM programs only requires: 1. Pay stubs and VOE, (W-2 only) NO TAX RETURN REQUIRED. 2. Or 24 month Bank Statements - Personal or Business loan amount $150K-$1 Mil. 680 FICO, 7/1 ARMs or 30 Fixed, Purchase, O/O. 75% LTV Primary Residence. 50% DTI Self Employed Only. Late or Mortgage!!! NO PROBLEM!!! Full doc - Most recent paystub and one of the following 1 year VOE or 1 year W2 or 2 years 1040’s 620 ( Co-Borrower 560) 80% LTV 50%DTI Owner Occupied Purchase, Rate & Term & Cash out Housing Event Seasoning 3 years Loan Amounts $150k - $750k 1x30 /12 or 2x30/24 ELITE MORTGAGE is now offering conventional financing up to 97% LTV first-time homebuyers with a DU approval. Need only down 3% NO MI for primary home, FICO 720. FHA Loans: credit score as low as 560 (manual underwrite) Separate us from the competition! Guaranteed Lowest rate in town! Will match or better other Lenders. Friendly and Family type services Turn every customer to become our good friends Please contact for more detail 714-697-3181 or 714-890-4829. All Real Estate Agents and Loan officers are welcomed. ***Turn on the Little Saigon Radio @1480AM to listen our talk show every Thursday at 5:10 PM for most updated lending guidelines and interest rates.***

July 24, 2015 10:30 AM. YOU START YOUR LOANS OFF RIGHT W/ ELITE MORTGAGE CORPORATION. At Elite Mortgage, we offer NO POINT, NO COST, NO FEE programs. You can save thousand dollars. 25-30 Yrs fixed Conforming rate is 4.00% (APR 4.00%)... 20 Yrs fixed Conforming rate is 3.750% (APR 3.750%) 15 Yrs fixed Conforming rate is 3.250 % (APR 3.250%) 10/1 ARM Conforming rate is 3.625 % (APR 3.625%) The Min. loan amount is 280K, SFR, HUD, O/O, score is 740, Debt-To-Income ratio 43% or less and LTV is 80%, No impound. Jumbo Conforming loan $417,001- $625,000 for LA, OR, SB 25-30 yrs: 4.1250% (APR 4.125%) 20 yrs: 4.250% (APR 4.250%) 15 yrs: 3.375% (APR 3.375%) *** HOMESTYLE program: you just bought cash for your home and need cash to renovate! No problem, we offer the refinance with fund for repairs/Renovations up to 95% After Improved Value!!! NO SEASONING REQUIRED! NON QM programs only requires: 1. Pay stubs and VOE, (W-2 only) NO TAX RETURN REQUIRED. 2. Or 24 month Bank Statements - Personal or Business. Loan amount $150K-$1 Mil. 680 FICO, 7/1 ARMs or 30 Fixed, Purchase, O/O. 75% LTV Primary Residence. 50% DTI Self Employed Only. Late or Mortgage!!! NO PROBLEM!!! Full doc - Most recent paystub and one of the following 1 year VOE or 1 year W2 or 2 years 1040’s 620 ( Co-Borrower 560) 80% LTV 50%DTI Owner Occupied Purchase, Rate & Term & Cash out Housing Event Seasoning 3 years Loan Amounts $150k - $750k 1x30 /12 or 2x30/24 ELITE MORTGAGE is now offering conventional financing up to 97% LTV first-time homebuyers with a DU approval. Need only down 3% NO MI for primary home, FICO 720.(Please call for details) FHA Loans: credit score as low as 560 (manual underwrite) Separate us from the competition! Guaranteed Lowest rate in town! Will match or better other Lenders. Friendly and Family type services Turn every customer to become our good friends Please contact for more detail 714-697-3181 or 714-890-4829. All Real Estate Agents and Loan officers are welcomed. *** Turn on the Little Saigon Radio @1480AM to listen our talk show every Thursday at 5:10 PM for most updated lending guidelines and interest rates.***

July 21, 2015 9:30 AM. YOU START YOUR LOANS OFF RIGHT W/ ELITE MORTGAGE CORPORATION. At Elite Mortgage, we offer The following NO POINT, NO COST, NO FEES programs. You can save thousands dollars. *** 25-30 Yrs fixed Conforming rate is 4.00% (APR 4.000%) ... *** 20 Yrs fixed Conforming rate is 3.875% (APR 3.901%) *** 15 Yrs fixed Conforming rate is 3.250 % (APR 3.250%) The Min. loan amount is 280K, SFR, HUD, O/O, score is 740, Debt-To-Income ratio 43% or less and LTV is 80%, No impound. Jumbo Conforming loan (HB) $417,001- $625,000 (LA, OR, SB) *** 30 yrs: 4.250% (APR 4.250%) PROV *** 15 yrs: 3.500% (APR 3.500%) *** 5/1 ARM: 2.875% (APR 2.875%) ****We also offer Flexible Term such as 21 to 29 years. HOMESTYLE program: you just bought cash for your home and need cash to renovate! No problem, we offer the refinance with fund for repairs/Renovations up to 95% After Improved Value!!! NO SEASONING REQUIRED! Separate us from the competition! Guaranteed Lowest rate in town! Will match or better other Lenders. Friendly and Family type services Turn every customer to become our good friends We also offer loan program only requires: 1. (W-2 only) NO TAX RETURN REQUIRED. 2. Or 12 month Bank Statements - Conventional loans to $1 Mil. a) 700 FICO, 5/1 ARMs only, Purchase / R&T / Cash Out! b) 75% LTV Primary Residence. c) Self Employed Only. d) Personal Bank Statements Only. ELITE MORTGAGE is now offering conventional financing up to 97% LTV first-time homebuyers with a DU approval. Need only down 3% NO MI for primary home, FICO 720. FHA Loans: credit score as low as 560 (manual underwrite) Please contact for more detail 714-697-3181 or 714-890-4829. All Real Estate Agents and Loan officers are welcomed. ***Turn on the Little Saigon Radio @1480AM to listen our talk show every Thursday at 5:10 PM for most updated lending guidelines and interest rates.***

July 13, 2015 9:30 AM. YOU START YOUR LOANS OFF RIGHT W/ ELITE MORTGAGE CORPORATION. At Elite Mortgage, we offer The following NO POINT, NO COST, NO FEES programs. You can save thousands dollars. *** 25-30 Yrs fixed Conforming FNMA rate is 4.125% (APR 4.125%) ... *** 20 Yrs fixed Conforming FNMA rate is 4.000% (APR 4.000%) *** 15 Yrs fixed Conforming FNMA rate is 3.250 % (APR 3.250%) The Min. loan amount is 270K, SFR, HUD, O/O, score is 740, Debt-To-Income ratio 43% or less and LTV is 75%, No impound. High balance Confirming loan $417,001- $625,000 *** 30 yrs: 4.250% (APR 4.250%) *** 15 yrs: 3.500% (APR 3.500%) We also offer Flexible Term such as 21 to 29 years. HOMESTYLE program: you just bought cash for your home and need cash to renovate! No problem, we offer the refinance with fund for repairs/Renovations up to 95% After Improved Value!!! NO SEASONING REQUIRED! Separate us from the competition! Guaranteed Lowest rate in town! Friendly and Family type services Turn every customer to become our good friends We also offer loan program only requires: 1. (W-2 only) NO TAX RETURN REQUIRED. 2. Or 12 month Bank Statements - Conventional loans to $1 Mil. a) 700 FICO, 5/1 ARMs only, Purchase / R&T / Cash Out! b) 75% LTV Primary Residence. c) Self Employed Only. d) Personal Bank Statements Only. ELITE MORTGAGE is now offering conventional financing up to 97% LTV first-time homebuyers with a DU approval. Need only down 3% NO MI for primary home, FICO 720. Please contact for more detail 714-697-3181 or 714-890-4829. All Real Estate Agents and Loan officers are welcomed.

June 29, 2015 10:10 AM. YOU START YOUR LOANS OFF RIGHT W/ ELITE MORTGAGE CORPORATION. At Elite Mortgage, we offer The following NO POINT, NO COST, NO FEES programs. *** 25-30 Yrs fixed Conventional FNMA rate is 4.00% (APR 4.0329%) ... *** 20 Yrs fixed Conventional FNMA rate is 4.00% (APR 4.00%) *** 15 Yrs fixed Conventional FNMA rate is 3.250 % (APR 3.285%) The Min. loan amount is 300K, SFR, HUD, O/O, score is 740, Debt-To-Income ratio must be 43% or less and LTV is 80%, No impound. Jumbo Confirming loan $417,001- $625,000 *** 30 yrs: 4.375% (APR 4.375%) *** 15 yrs: 3.500% (APR 3.528%) We also offer Flexible Term such as 21 to 29 years. ***** 2015 with the MOST AGGRESSIVE PROGRAMS ***** 80% LTV 3yr out of Foreclosure & BK, one loan, NO MI, NO Reserves - OK! NO Seasoning for Short Sale to 75% LTV- OK!! Separate us from the competition! Guaranteed Lowest rate in town! Friendly and Family type services Turn every customer to become our good friends We also offer loan program only requires: 1.(W-2 only) NO TAX RETURN REQUIRED. 2.Or 12 month Bank Statements - Conventional loans to $1 Mil. a)700 FICO, 5/1 ARMs only, Purchase / R&T / Cash Out! b)75% LTV Primary Residence. c)Self Employed Only. d)Personal Bank Statements Only. ELITE MORTGAGE is now offering conventional financing up to 97% LTV first-time homebuyers with a DU approval. Need only down 3% NO MI for primary home, FICO 720. Program highlights: Gift funds eligible for down payment and reserves Available on purchase and rate/term refinance transactions Standard conventional At least one borrower must be a first-time homebuyer 1-unit properties only FHA Loans: credit score as low as 560 (manual underwrite) Please contact for more detail 714-697-3181 or 714-890-4829. All Real Estate Agents and Loan officers are welcomed. http://finance.yahoo.com//wall-street-falls-greek-crisis-1

June 2, 2015 9:30 AM. VOLATILITY ALERT! This Friday, June 5th, the Non-Farm Payrolls data for May will be released. As the Fed has become more data dependent, this release will be a critical data point in determining the path of monetary policy going forward. Given this upcoming release, we suggest you decide whether to lock in rates prior to the release.... At Elite Mortgage, we offer The following NO POINT, NO COST, NO FEES programs. *** 25-30 Yrs fixed Conventional FNMA rate is 3.875% (APR 3.875%) *** 20 Yrs fixed Conventional FNMA rate is 3.750% (APR 3.750%) *** 15 Yrs fixed Conventional FNMA rate is 3.125 % (APR 3.125%) The Min. loan amount is 280K, SFR, HUD, O/O, score is 740, Debt-To-Income ratio 43% or less and LTV is 75%, No impound. Jumbo Confirming loan $417,001- $625,000 *** 30 yrs: 4.00% (APR 4.00%) *** 15 yrs: 3.375% (APR 3.375%) We also offer Flexible Term such as 21 to 29 years. ***** 2015 with the MOST AGGRESSIVE PROGRAMS ***** 85% LTV 3yr out of Foreclosure & BK, one loan, NO MI, NO Reserves - OK! NO Short Sale Seasoning to 75% - OK!! Separate us from the competition! Lowest rate in town! Friendly and Family type services Turn every customer to become our good friends We also offer loan program only requires: 1. (W-2 only) NO TAX RETURN REQUIRED. 2. Or 12 month Bank Statements - Conventional loans to $1 Mil. a) 700 FICO, 5/1 ARMs only, Purchase / R&T / Cash Out! b) 75% LTV Primary Residence. c) Self Employed Only. d) Personal Bank Statements Only. ELITE MORTGAGE is now offering conventional financing up to 97% LTV first-time homebuyers with a DU approval. Need only down 3% NO MI for primary home, FICO 720. Program highlights: Gift funds eligible for down payment and reserves Available on purchase and rate/term refinance transactions Standard conventional At least one borrower must be a first-time homebuyer 1-unit properties only FHA Loans: credit score as low as 560 (manual underwrite) Please contact for more detail 714-697-3181 or 714-890-4829. All Real Estate Agents and Loan officers are welcomed.

May 29, 2015 9:00 AM. Mortgage rates at 2015 high: Mortgage rates are at their year-to-date peak according to Freddie Mac. Positive housing data has pushed the rate for 30-year fixed rate mortgages to 3.87% for the week ending May 28. The previous week’s average was 3.84%. For 15-year Fixed the average increased from 3.05% last week to 3.11%; 5 year ARMs increased to 2.90% from 2.88%.... YOU START YOUR LOANS OFF RIGHT W/ ELITE MORTGAGE CORPORATION. At Elite Mortgage, we offer The following NO POINT, NO COST, NO FEES programs. *** 25-30 Yrs fixed Conventional FNMA rate is 3.750% (APR 3.750%) *** 20 Yrs fixed Conventional FNMA rate is 3.625% (APR 3.625%) *** 15 Yrs fixed Conventional FNMA rate is 3.00 % (APR 3.00%) The Min. loan amount is 300K, SFR, HUD, O/O, score is 740, Debt-To-Income ratio 43% or less and LTV is 75%, No impound. Jumbo Confirming loan $417,001- $625,000 *** 30 yrs: 4.00% (APR 4.00%) *** 15 yrs: 3.250% (APR 3.250%) We also offer Flexible Term such as 21 to 29 years. ***** 2015 with the MOST AGGRESSIVE PROGRAMS ***** 85% LTV 3yr out of Foreclosure & BK, one loan, NO MI, NO Reserves - OK! NO Short Sale Seasoning to 75% - OK!! Separate us from the competition! Lowest rate in town! Friendly and Family type services Turn every customer to become our good friends We also offer loan program only requires: 1. (W-2 only) NO TAX RETURN REQUIRED. 2. Or 12 month Bank Statements - Conventional loans to $1 Mil. a) 700 FICO, 5/1 ARMs only, Purchase / R&T / Cash Out! b) 75% LTV Primary Residence. c) Self Employed Only. d) Personal Bank Statements Only. ELITE MORTGAGE is now offering conventional financing up to 97% LTV first-time homebuyers with a DU approval. Need only down 3% NO MI for primary home, FICO 720. Program highlights: Gift funds eligible for down payment and reserves Available on purchase and rate/term refinance transactions Standard conventional At least one borrower must be a first-time homebuyer 1-unit properties only FHA Loans: credit score as low as 560 (manual underwrite) Please contact for more detail 714-697-3181 or 714-890-4829. All Real Estate Agents and Loan officers are welcomed.

May 26, 2015 9:30 AM. YOU START YOUR LOANS OFF RIGHT W/ ELITE MORTGAGE CORPORATION. At Elite Mortgage, we offer NO POINT, NO COST, NO FEES and we even pay for your interest! (Please call for details) as you can see the rate is getting higher and higher every days. **** 25-30 Yrs fixed Conventional FNMA rate is 3.875% (APR 3.875%) ... **** 20 Yrs fixed Conventional FNMA rate is 3.750% (APR 3.750%) **** 15 Yrs fixed Conventional FNMA rate is 3.00 % (APR 3.00%) The Min. loan amount is 280K, SFR, HUD, O/O, score is 740, Debt-To-Income ratio is < 43% and LTV is < 75%, No impound. Jumbo Confirming loan $417,001- $625,000 for NO POINT, NO COST *** 30 yrs: 4.00% (APR 4.00%) *** 15 yrs: 3.250% (APR 3.250%) We also offer Flexible Term such as 21 to 29 years, you don’t have to go back 30, 25, or 20 years Fixed. ***** 2015 with the MOST AGGRESSIVE PROGRAMS ***** 85% LTV 3yr out of Foreclosure & BK, one loan, NO MI, NO Reserves - OK! NO Short Sale Seasoning to 75% - OK! Separate us from the competition! Lowest rate in town! Friendly and Family type services Turn every customer to become our good friends We also offer loan program only requires: 1. (W-2 only) NO TAX RETURN REQUIRED. 2. Or 12 month Bank Statements - Conventional loans to $1 Mil. a) 700 FICO, 5/1 ARMs only, Purchase / R&T / Cash Out! b) 75% LTV Primary Residence. c) Self Employed Only. d) Personal Bank Statements Only. ELITE MORTGAGE is now offering conventional financing up to 97% LTV first-time homebuyers with a DU approval. Need only down 3% NO MI for primary home, FICO 720. Program highlights: Gift funds eligible for down payment and reserves Available on purchase and rate/term refinance transactions Standard conventional At least one borrower must be a first-time homebuyer 1-unit properties only FHA Loans: credit score as low as 560 (manual underwrite) Please contact for more detail 714-697-3181 or 714-890-4829. All Real Estate Agents and Loan officers are welcomed.

May 21, 2015 10:00 AM. Sometimes we lose our perspective. While rates on home loans have been increasing for the past few weeks, if you read the headlines, it seems like rates are really high right now. They are not. According to the Freddie Mac survey of home loans, the 30-year fixed loan averaged over 5.0% every year from 1975 until 2010, a period of 35 years. That is a generation in which rates have averaged over 7.0% in the long haul. It is only since the financial c...risis hit that rates averaged below 5.0% and for the past five years, the average has been a little over 4.0%. Yes, there were a few periods where rates dropped below 4.0%, including early this year. However, when you look at the difference between 7.0% and 4.0%, rates are over 40% below where they have been historically. This is why renting is more expensive than owning right now in most areas of the country. At Elite Mortgage, we offer NO POINT, NO COST, NO FEES and we even pay for your interest! (Please call for details) as you can see the rate is getting higher and higher every days. **** 25-30 Yrs fixed Conventional FNMA rate is 3.75% (APR 3.795%) **** 20 Yrs fixed Conventional FNMA rate is 3.750% (APR 3.750%) **** 15 Yrs fixed Conventional FNMA rate is 3.00 % (APR 3.00%) The Min. loan amount is 280K, SFR, HUD, O/O, score is 740, Debt-Tt-Income ration is < 43% and LTV is < 75%, No impound. Jumbo Confirming loan $417,001- $625,000 for NO POINT, NO COST **** 30 yrs: 4.00% (APR 4.00%) **** 15 yrs: 3.250% (APR 3.250%) We also offer Flexible Term such as 21 to 29 years, you don’t have to go back 30, 25, or 20 years Fixed. ***** 2015 with the MOST AGGRESSIVE PROGRAMS ***** 85% LTV 3yr out of Foreclosure & BK, one loan, NO MI, NO Reserves - OK! NO Short Sale Seasoning to 75% - OK!! Separate us from the competition! Lowest rate in town! Friendly and Family type services Turn every customer to become our good friends We also offer loan program only requires: 1. (W-2 only) NO TAX RETURN REQUIRED. 2. Or 12 month Bank Statements - Conventional loans to $1 Mil. a) 700 FICO, 5/1 ARMs only, Purchase / R&T / Cash Out! b) 75% LTV Primary Residence. c) Self Employed Only. d) Personal Bank Statements Only. ELITE MORTGAGE is now offering conventional financing up to 97% LTV first-time homebuyers with a DU approval. Need only down 3% NO MI for primary home, FICO 720. Program highlights: Gift funds eligible for down payment and reserves Available on purchase and rate/term refinance transactions Standard conventional At least one borrower must be a first-time homebuyer 1-unit properties only FHA Loans: credit score as low as 560 (manual underwrite) Please contact for more detail 714-697-3181 or 714-890-4829. ***All Real Estate Agents and Loan officers are welcomed.***

even the Fed release the minutes and seem like they will not raise the interest in June, but the reaction from Lender are not moving. Are we all confuse in the global market. My opinion, mortgage rate will going down in next week, not a lot but will not go up like it did in last 2 weeks. http://www.mortgagenewsdaily.com/consumer_rates/473341.aspx

May 19, 2015 9:10 AM. YOU START YOUR LOANS OFF RIGHT W/ ELITE MORTGAGE CORPORATION. At Elite Mortgage, we offer NO POINT, NO COST, NO FEES and we even pay for your interest! (Please call for details) as you can see the rate is getting higher and higher every days. *** 25-30 Yrs fixed Conventional FNMA rate is 3.875% (APR 3.875%) ... *** 20 Yrs fixed Conventional FNMA rate is 3.750% (APR 3.750%) *** 15 Yrs fixed Conventional FNMA rate is 3.00 % (APR 3.00%) The Min. loan amount is 280K, SFR, HUD, O/O, score is 740, DTI is < 43% and LTV is < 75%, No impound. Jumbo Confirming loan $417,001- $625,000 for NO POINT, NO COST *** 30 yrs: 4.00% (APR 4.00%) *** 15 yrs: 3.250% (APR 3.250%) We also offer Flexible Term such as 21 to 29 years, you don’t have to go back 30, 25, or 20 years Fixed. ***** 2015 with the MOST AGGRESSIVE PROGRAMS ***** 85% LTV 3yr out of Foreclosure & BK, one loan, NO MI, NO Reserves - OK! NO Short Sale Seasoning to 75% - OK!! Separate us from the competition! Lowest rate in town! Friendly and Family type services Turn every customer to become our good friends We also offer loan program only requires: 1. (W-2 only) NO TAX RETURN REQUIRED. ORION LENDING. 2. Or 12 month Bank Statements - Conventional loans to $1 Mil. a) 700 FICO, 5/1 ARMs only, Purchase / R&T / Cash Out! b) 75% LTV Primary Residence. c) Self Employed Only. d) Personal Bank Statements Only. ELITE MORTGAGE is now offering conventional financing up to 97% LTV first-time homebuyers with a DU approval. Need only down 3% NO MI for primary home, FICO 720. Program highlights: Gift funds eligible for down payment and reserves Available on purchase and rate/term refinance transactions Standard conventional At least one borrower must be a first-time homebuyer 1-unit properties only FHA Loans: credit score as low as 560 (manual underwrite) Please contact for more detail 714-697-3181 or 714-890-4829. All Real Estate Agents and Loan officers are welcomed.

Mortgage Bonds fell beneath a key technical level, finally managing to break free late in the week. But can they maintain an improving trend? Retail Sales came in flat for April, as many consumers tucked away savings from lower gasoline prices, rather than spend money on big ticket items. Stagnant wages coupled with mixed feelings about the economy were a few reasons for the ease in spending. Other than the positive reading in March, Retail Sales have been negative in recent... months. It will be important to see if spending picks up this summer. There was some good news from the labor sector, as Weekly Initial Jobless Claims continue to hover near a 15-year low. And the Producer Price Index, which measures inflation at the wholesale level, came in lower than expected, down seven of the last nine months thanks to lower costs for food and gasoline. Inflation remains tame, which is good news for Mortgage Bonds, as inflation reduces the value of fixed investments like Bonds. Tame inflation is also good news for home loan rates, as they are tied to Mortgage Bonds. The markets have been volatile, but after a steep plunge, Mortgage Bonds rallied in the latest week. Home loan rates remain attractive, making now a great time to consider a home purchase or refinance. Let me know if I can answer any questions at all for you.

The picture was taken 8 years ago, and my nephew is now is the 5th grade! Time is fly so fast....