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Mr. "Little Saigon" & Associates

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Vinny Tran & Nancy Do

#1 Husband & Wife Internet Marketing Specialists

BEST of THE BEST / #1 Husband & Wife Selling Team / Top 1% agents in The Nation / Has Listed and Sold hundred of Homes in Orange County / Century-21's Highest Award

Here are some of the benefits to doing your home loan refinance online

Everything seems to happen faster - Online, when looking for a mortgage loan you can search around, fill out an application and a few minutes later, you can be receiving a pre-approval letter via email. There was no calling, no driving & no waiting on hold for an answer. The mortgage company will usually contact you quickly and give you all the information you need to move forward.

You will be more informed and make better decisions - People nowadays that use the internet as consumers, use it primarily to make better purchasing decisions. If you are sitting at home on the couch with your phone book calling every mortgage company listed, you are not going to know what the current interest rate is. You aren’t going to know what your contacted companies competitors are like. All you will know is what that loan officer tells you.

Online, you can view a lot of information very quickly. - After looking at a few mortgage loan websites, you will know quickly that when you refinance you have many options. Do you want to get cash out of your home? Do you want to borrow more than your homes current value? Do you want an interest only loan? And, you will know right away which mortgage companies offer these options. There are many different kinds of refinance loans, and all of these options can be learned after a few minutes of searching online.

Deal with large, reputable companies – When applying online, you should quickly be able to spot the larger, more reputable mortgage companies. I always prefer to use the companies that will submit your application to multiple lenders. That way, your credit is only pulled once, and you can receive multiple offers from up to 4 lenders. For a list of these recommended mortgage companies, see the link below.

Save money – Many online mortgage service companies can save you money by cutting out fees like origination fees and underwriting fees. You will also save money using mortgage services where more than one lender competes for your business. When you can receive multiple offers, you will know that you are choosing the loan with the lowest rate possible and the best terms you can qualify for. I usually recommend applying with about 3 different mortgage companies that will submit your application to multiple lenders and give you multiple offers. That way you can really maximize your options.

Less Commitment – You can search around online and apply to 2-3 different lenders without feeling guilty for working with more than one company. That way you make can make sure you are getting the best deal. Often when you start working with a mortgage broker in person, even if the person isn’t doing the best job for you, you start to feel obligated to continue to work with the person. This is not so online. If you aren’t getting what you want, you are free to move on with no guilt.

Superior One Mortgage

9972 Bolsa Ave., Suite 100, Westminster, California 92683

      Buying a home is an exciting and sometimes stressful time in everyone's life. So many decisions. A new home, maybe a new city. You may be changing jobs, starting 

over or just starting out. You may be refinancing your current mortgage to lower the rate, improve terms or withdraw equity. Either way, the people at Superior One Mortgage understand what you're going through. That's why we work with you and real estate professionals to make the mortgage process as easy and "painless" as possible. We also want you to feel confident about choosing Superior One Mortgage as your mortgage lender. Therefore, we've included a brief guide outlining what makes one mortgage company different from another. And of course, we've included a few good reasons on why you should choose us.

Your Hometown Mortgage Broker

      Being a hometown lender means we have a stake in our community. We care about what happens to our schools, our neighborhoods and 		 
our future. We also expect to see you again as your home financing needs change and grow. Because of that, we'll take a few extra minutes to make sure you understand and are completely comfortable with your mortgage transaction. Thousands of families come to us for home financing.  We're large enough to provide the most advanced products and service technologies available, and the right size to make home loans one customer at a time. As a matter of fact, our production process is fully automated. Superior One Mortgage utilizes Freddie Mac's automated underwriting system (Loan Prospector) which allows us to give our customers an immediate credit decision.
 
Loan Programs

      Superior One Mortgage offers a wide variety of loan programs and lending options to fit the specific needs of our borrowers. Our loan officers are trained to tailor your loan program to offer you the best rate and loan term for your lifestyle and future. Most of our loan programs allow for loan terms from 10 to 30 years. We also offer many niche products such as low or no documentation programs to make your loan approval process quick and easy. Some of our popular loan programs and lending options include:
  • Conventional Fixed Rate Loans
  • FHA Fixed and Adjustable Rate Loans
  • VA Fixed Rate Loans
  • 1 Year ARM Loans
  • 3/1 Year ARM Loans
  • 5/1 Year ARM Loans
  • 7/1 Year ARM Loans
  • 10/1 Year ARM Loans
  • 5 and 7 Year Balloon Loans
  • No Doc and Low Doc Programs
  • Loans to $2,000,000
  • Loans for Investment Property
  • Loans for Second Homes
  • 95% Financing on Most Programs
  • "Cash Out" Mortgages
  • 0% Down 3/1 & 5/1 ARM Loans
      You can rely on our extensive capabilities, experience and knowledge to help you explore options and make informed decisions. It would be an honor and a privilege to call you a client.

      Feel free to contact us for up-to-date mortgage information or advice
714-531-2678
or contact
 
Nancy Do
714-720-6858
Email:
mrlittlesaigon@yahoo.com
Website:
www.VinnyTran.com
 

CONFIDENTIAL MORTGAGE APPLICATION ! 

Obtain the Best Rates & Lowest Closing Costs
Borrower Information:
 
Borrower (Full Name):
Date of Birth: (ex. dd/mm/yyyy)
Soc. Security #:
Residence Phone #:
Business Phone #:
Present Address:
City:
State/Province:
Zip Code/Postal Code:
E-mail Address
Years at Present Address:   Rent $  /month
or Own $
 
Previous Address:
City:
State/Province:
Zip Code/Postal Code:
Marital Status: Married
Separated
Unmarried (including single, divorced, or widowed)
   
Occupation:
   (Position & Title)
# of years:
Place of Employment:
  (Name & Address)
Previous Employer:
   (Name & Address)
Co-Borrower Information:
 
Co-Borrower (Full Name):
Date of Birth: (ex. dd/mm/yyyy)
Soc. Security #:
Residence Phone #:
Business Phone #:
If same as borrowers address
Present Address:
City:
State/Province:
Zip Code/Postal Code:
E-mail Address
Years at Present Address:     Rent $  /month
or   Own $ 
 
If same as borrowers address
Previous Address:
City:
State/Province:
Zip Code/Postal Code:
 
Marital Status: Married
Separated
Unmarried (including single, divorced, or widowed)
 
Occupation:
   (Position & Title)
# of years:
Place of Employment:
   (Name & Address)
Previous Employer:
   (Name & Address)
Gross Annual Income:
 
Borrower Co-Borrower
Self-Employed ? Yes    No Yes    No
Base Salary: $ $
Overtime: $ $
Bonuses: $ $
Commissions: $ $
Dividends: $ $
Net Rental Income: $ $
Other: $ $
 
Total: $ $
 
Do You Intend To Occupy This Property ?    Yes     No
Number of Children:
Ages:
Other Dependents:
 
Assets:
 
Checking: $  Bank:
$  Bank:
Savings: $  Bank:
$  Bank:
Credit Union: $  Bank:
Stocks: $
Bonds: $
Life Insurance: $
 
Present Residence  (If Owned):
Market Value: $
Morg. Value: $
Lender:
 
Other Assets (Specify):
 
Liabilities:
 
(List outstanding obligations including auto loans, mortgage payments,credit cards,
personal loans, and all other loans.)
 
Type Creditor's Name Unpaid Balance Due Date Monthly Payment
$ $
$ $
$ $
Total:   $ $
 
Additional Monthly Obligations:
Alimony:  $
Child Support:  $
Child Care:  $
 
Are There Any Judgements or Lawsuits Present?   Yes    No
Amount:  $
Is Any Part of the Down Payment or Settlement Costs
Being Obtained From a Source Other Than From Assets
Listed Above? 		  Yes    No
I hereby give my consent to have my credit report secured
from any credit reporting agency which you designate. 		  Yes    No
    
9972 Bolsa Ave. # 100 , Westminster , CA 92683
Phone: 714-531-2678 or 714-720-6858
vinny@vinnytran.com