OUR PROGRAME
我們的貸款計劃
VOE HOME LOAN
(Verification of Employment)
不查收入的貸款
NO more W-2’s & Paystubs for
Salaried Borrowers
Easy Documentation, Low Documentation Loans, Low Doc, No Doc Call it what you want It is not a program it is a full doc loan with a VOE replacing income documents
Competitive Rates
Salaried borrowers only
660 FICO
Cash-Out Refinance: 70% LTV/CLTV
R/T & Purchase: 80% LTV/CLTV
Available Programs
不查收入貸款
無需提供任何稅單糧單
SELF EMPLOYED
(P&L Statement or/and Bank Statement for qualifying Purpose)
自僱人士的貸款
NO 4506T & NO TAX RETURNS REQUIRED
Self-Employed & Wage‐Earners Only
CPA letter (history + Income) and CPA prepared P&L statement
recent 2 Months personal or business bank statements
Purchase, R/T & Cash-out Refinance Owner Occupied,
2nd Home & Investment SFR / PUD / Condo Primary
&
2nd Home: 100% Gift Allowed First‐Time Home Buyers are allowed
自僱人仕貸款計劃
持有公司兩年以上均可申請
無需提供公司合個人稅單
PRIME JUMBO
(You are in control, Pricing got ever better)
查收入的貸款
30 & 15 YEAR FIXED,
5/1, 7/1 & 10/1 ARM
Owner Occupied,
2nd Home &
Investment SFR,
Gift Funds allowed after 5% from own funds
查收入低利率貸款
提供兩年以上的稅單作評估
How can I buy my favorite home?
如何購買到我心儀的家?
now you’re on the hunt for the best realtor and mortgage plan to put those keys in your hand.
現在 你正在尋找最好的地產經紀及貸款計劃
令你可以購入你的家園
One way to do it
有一個途徑完成你的夢想:
Work with us, we can shepherd you through the purchase process from start to finish.
與我們商討
我們可以引導您自始至終完成整個購房的流程
We make solution for you
OIL 幫你找出更多方法解決你的需要
At OIL we understand that each individual borrower has individual circumstances;
在 OIL
我們理解每個借款人都有個人的情況
we are an Outstanding Investment Lending and we want to work with you,
if you need to get cash out of your home!
我們是卓越房地產貸款公司
我們會協助你
利用你的家來得到你需要的現金 !
Finding the Right Mortgage ?
如何選擇貸款計劃 ?
FREE REGISTRATION
NO HIDDEN FEES
免費註冊評估
無隱藏費用
Register your information
and then we will evaluate the perfect loan plan that suits you according you needs and circumstances
from the payment of the deposit to the final settlement
and title transfer change
we will be processed in one step
註冊您的個人信息後
我們將根據您的需要和情況
評估適合您的貸款計劃
從支付定金到最終結算
到最後過戶
我們都會每步緊貼
PROPERTY APPRAISAL
物業估價
Regardless of whether
the house is
refinanced or
bought or sold
we will make a basic valuation and use that valuation to match your request
無論房屋是通過重貸
還是買入或出售
我們都會進行基本評估
來配合你的個人貸款能力
CALIFORNIA COVERAGE
貸款範圍覆蓋整個加州
Our diversified loan services cover the entire California
As long as you have a house you can flexibly use or
deploy it to achieve
what you want
我們多元化的貸款服務
覆蓋整個加州
只要有屋
你就可以靈活運用或調配
成就你心中所想
Our Professional
我們的專業
Outstanding Investment Company and Steven Leung are licensed financial professionals.
卓越房地產公司及梁廣陽先生
持有不同的金融專業牌照
We gather documents, pull your credit history, verify income and apply for loans on your behalf.
我們會收集你的個人資料
提取您的信用報告
處理你的工作收入
並代表你申請貸款
We will collaborate with the bank’s underwriting department, the title company and our real estate department to keep the transaction running smoothly through closing day.
我們將與銀行的
審核部門、產權公證公司
和我們的房地產部門
保持聯繫
使一切順利完成
直至房子過戶
CLIENT TESTIMONIALS
客 戶 評 價
Huang, Y W | Owner
“We were looking at so many options for our refinance - 15 year vs. 30 year, combining two mortgages into one. We tried working with our bank, but became very frustrated at their inflexibility. We decide to consult Steven because he had helped us so much with our first mortgage almost 10 years ago. Steven gave us the pros and cons of every option we discussed, and was always open to running multiple scenarios for us. Paul found the right financing plan for our needs, and successfully guided us through every step of the way.”
Eric Hui | Realtor
“As a trusted Realtor, I need and expect the utmost in service for my clients, and OIL is exactly what Mortgage Advantage always delivers. They handle all of the tedious paperwork and make the process painless. In fact, many of my clients have returned to the Mortgage Advantage time and again for all of their additional mortgage needs”
Robben Tan | Realtor
“I continually recommend Steven Leung at Mortgage Advantage to my valued clients. I appreciate his expertise and ability and willingness to work with more than one lender to help us to reach our goals. His dedication and commitment to servicing his client's requirements, coupled with his mortgage and real estate law expertise as an Loan Officer himself, make him unique in the industry and invaluable.”
CONTACT US
聯絡我們
ADDRESS
辦公室地址
2450 Washington Ave, #100
San Leandro, CA 94577
ALTERNATIVELY
YOU CAN FILL IN THE FOLLOWING CONTACT FORM:
可填寫以下資料,
我們會盡快與你聯絡
TO SPEAK WITH OUR COUSTOMER SERVICE, PLEASE CALL OR EMAIL US:
請與我們的客戶服務員聯絡
Thanks for submitting!
多謝你提交咨詢, 我們會盡快與你聯絡
