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Loan  Phan, (NMLS ID 595174)

Loan Phan

Sr Loan Advisor

NMLS ID: 595174

I’m ready to use my years of hands-on experience with home lending to provide exceptional service and personalize a mortgage that’s custom-fit for you.

Apply Now Contact me

6745 Academy Road NE Suite B

Albuquerque, NM 87109

About Loan Phan

Are you ready to buy or build the house of your dreams? While this can be a very exciting time in your life, you probably have a lot of questions too.

 

Beyond what the home looks like, you need to understand if you can get a loan to build a house, how homebuying or home building loans work, and how much you will need to put down. I am here to answer all your questions.

Mortgage Specialization

  • Adjustable-Rate Mortgages
  • Condominium Financing
  • Construction Loans
  • FHA Government Loans
  • First-Time Home Buyer Programs
  • Fixed-Rate Mortgages
  • Investment Property Loans
  • Jumbo Loans
  • Low-to-Moderate Income Lending Program
  • Pre-Qualifications
  • Professional Loans
  • Renovation Loans
  • Second Homes
  • USDA Rural Housing
  • VA Government Loans

Education

  • University of New Mexico: Bachelor of Science-Accounting

Languages Spoken

  • Vietnamese
Find the loan product that's right for you.
Are you looking to purchase a new property or refinance an existing one?
Loan  Phan, (NMLS ID 595174)

Loan Phan

Sr Loan Advisor

NMLS ID: 595174

I’m ready to use my years of hands-on experience with home lending to provide exceptional service and personalize a mortgage that’s custom-fit for you.

Apply Now Contact me

6745 Academy Road NE Suite B

Albuquerque, NM 87109

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Today's Rate

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1Rate as of 8/5/2021 2:05 PM EDT. The APR calculation is based on a 30-year fixed-rate mortgage in the amount of $240,000 for the purchase of a single-family, primary residence with 80% loan-to-value (LTV) or 48,000% down payment, minimum borrower credit score of 740, and estimated points of 1% of the loan amount and origination fee of $1,295 with 360 monthly payments in the amount of $991. Payment amount does not include taxes and insurance which means your monthly obligation will be greater. Actual payment amount will vary based upon credit history, rates in effect at the time of consummation, LTV and other credit factors. A LTV ratio above 80% may result in a need for mortgage insurance. If mortgage insurance is required, the amount of your payment will increase. The APR is subject to change at any time prior to consummation, and individual APRs may vary for loan purchases and loan refinances due to loan programs being offered, loan volume, or other factors.  All borrowers are subject to qualification, underwriting approval, lender terms and conditions.  Terms, conditions, and rates are subject to change without notice.

 

2Rate as of 8/5/2021 2:05 PM EDT. The APR calculation is based on a 15-year fixed-rate mortgage in the amount of $240,000 for the purchase of a single-family, primary residence with 80% loan-to-value (LTV) or 48,000% down payment, minimum borrower credit score of 740, and estimated points of 1% of the loan amount and origination fee of $1,295 with 180 monthly payments in the amount of $1,559. Payment amount does not include taxes and insurance which means your monthly obligation will be greater. Actual payment amount will vary based upon credit history, rates in effect at the time of consummation, LTV and other credit factors. A LTV ratio above 80% may result in a need for mortgage insurance. If mortgage insurance is required, the amount of your payment will increase. The APR is subject to change at any time prior to consummation, and individual APRs may vary for loan purchases and loan refinances due to loan programs being offered, loan volume, or other factors.  All borrowers are subject to qualification, underwriting approval, lender terms and conditions.  Terms, conditions, and rates are subject to change without notice.

 

3Rate as of  8/5/2021 2:05 PM EDT. The APR calculation is based on a 30-year fixed-rate mortgage in the amount of $240,000 for the purchase of a single-family, primary residence with 96.5% loan-to-value (LTV) or 8,400% down payment, minimum borrower credit score of 740, and estimated points of 1% of the loan amount and origination fee of 1,295 plus 1.75% FHA funding fee with 360 payments in the amount of $933. Payment amount does not include taxes and insurance which means your monthly obligation will be greater. Actual payment amount will vary based upon credit history, rates in effect at the time of consummation, LTV, mortgage insurance premiums and other credit factors. Program terms available may vary based on the state and county in which the financed property is located.  The APR is subject to change at any time prior to consummation, and individual APRs may vary for loan purchases and loan refinances due to loan programs being offered, loan volume, or other factors.  All borrowers are subject to qualification, underwriting approval, lender terms and conditions.  Terms, conditions, and rates are subject to change without notice.

Loan  Phan, (NMLS ID 595174)

Loan Phan

Sr Loan Advisor

NMLS ID: 595174