Click on the link to view today's home purchase/refinance rates:
California Colorado Oregon Texas Utah
๐ Happy Year of the Horse! Mortgage Market Update
Driven by the strong economic data released last Friday, mortgage rates once again touched a short-term low and edged slightly higher today. Overall, the current mortgage market remains very favorable for buyers, making it an excellent window for both home purchases and refinancing.
Last week, both purchase and refinance applications surged, signaling rapidly improving demand as more borrowers move quickly to lock in low rates.
๐น New Product: P&L Loan (Designed for Self-Employed Borrowers)
We’ve recently launched our P&L Loan, tailored specifically for self-employed clients:
Qualify using a Profit & Loss (P&L) Statement
If clients do not already have one, we can arrange professional CPA assistance to help prepare and calculate their income
This is an excellent solution for borrowers with tax-optimized returns or complex income structures.
๐น Texas Refinance Highlight – TRAC Lite Program
Recently, many Texas primary residence refinance transactions successfully utilized the TRAC Lite program:
Title company fee: only $450
No-cost refinance options available for primary residences
Rates vary based on loan amount — contact us for personalized quotes
⏰ Important Reminder
๐ฏ The 40 basis points (40 bps) pricing incentive will expire at the end of this month.
All current quotes already include this 40 bps incentive — we recommend locking in soon.
