Adrian Chen, MBA - Global Minded Mortgage Expert At Mountain West Financial

09/16/2022

雖然累，但是很開心帶著豐碩的成果回家了！


#想念我的家

09/16/2022

很多人問我，最近為什麼一直🛫跑亞歷桑那🛬？我給大家分析以下幾點。
​
相較於科州，🌵亞歷桑那🌵：
​1. 房價便宜許多。
​2. 地稅便宜很多。
​3. 保險便宜
​4. 對房東的政策友善很多。
​5. 科技業未來的潛力“可能”高些。
​
​以上只是我對亞省投資粗淺蓋略，所以我需要請益更多的在地人，希望可以給有興趣在外州做房產投資的小夥伴們帶來更多的資訊😃！​

​我們晚上見🌛。

#十天飛兩次 #亞歷桑那
#投資報酬率

09/16/2022

We are different, We are the same, We are wonderful!

No matter whichever cultural backgrounds we are coming from, we should all celebrate together!

Each year, National Hispanic Heritage Month is observed by celebrating the histories, cultures and contributions of citizens whose ancestors came from Spain, Mexico, the Caribbean and Central & South America. Check out the website for more info!



- http://www.hispanicheritagemonth.gov

09/12/2022

Did you know???

Millennials (ages 27-41) are the largest generation of current home buyers, representing 37 percent of buyers in 2021. (Zillow, 2021)




- https://www.zillow.com/research/buyers-consumer-housing-trends-report-2021-30039/

09/10/2022

Happy Mid-Autumn Festival 中秋節快樂!
This is my sencond Mid Autumn Festival with Mountain West Financial- Denver , and !

Please have a safe and wonderful Holiday! Share with me what's your favotite Mid Autumn activity or food?

#中秋就是要烤肉 #月圓人團圓

09/03/2022

Thank you Sam and Lily. It was my pleasure working with you and your wonderful builder. I wish nothing but the best for your new home and I appreciate it agian with such wondeful word "BEST" from you!

08/29/2022

Congratulations Sam and Lily for your next big chapter. It was my pleasure and honor working with you throughout the loan process. We are able to get "clear to close" LESS THAN 30 days. We also glad to work with your builder to get your BRAND NEW house to close WITHIN 33 days!

I hope both of you the best and would love to stop by your wonderful restaurant to get some delicious "Mala Dry Pot/麻辣香鍋"

08/15/2022

#利率資訊分享

自上星期公布通膨數據後，這星期的利率相對是穩定的。目前有回到了low 5%的水平，這算是相當不錯的表現了。根據聯準會的表示，接下來是會進行一連串的升息來減緩通膨。尤其在前幾次的就業報告釋出後，市場上甚至有些預測美國的經濟並沒有想像中衰退的嚴重，這樣也有可能會導致聯準會採取更高幅度的升息來加速減緩通膨。

不管聯準會採取鷹派或是鴿派行動，升息是躲不了的了。這也意味著WSJ Prime Rate未來會持續往上升。大家的信用卡，HELOC，合一些其他的貸款項目的利息都會持續上升。大家可以看到WSJ Prime Rate在2020年三月後就不再有升息，直到今年的三月。之後就以每個月0.5%-0.75%的速度在上升，到了七月的時候已經來到了5.50%。很快地就會突破6%的大關了。

因此和房貸利率相比，HELOC的優勢不在。不僅利率已比房貸高，再加上HELOC本身是循環利息，身上揹有HELOC balance的小夥伴可以準備考慮一下是否該是做refi的時機了。

對於這話題有疑問的朋友們可以隨時來電做免費諮詢。



Mortgage rates remain stable after the CPI report last week. Right now, the rates are back to low 5% level and I think this is good sign. However, Fed has expressed their determination continue rising the rates to combat inflation even though the inflation seems to be slow down a little bit.

With the rising Fed rate, this means consumers’ other borrowing rates will likely go up such as credit card rate, HELOC rate and other consumer loan rate. Therefore, some of the HELOC advantages are disappeared since most HELOC rate is higher than the mortgage rate; plus, HELOC is charging recurring interest if you have balance on it.

I personally think this might the right time to think about consolidate your HELOC with your first mortgage if you are carrying some high HELOC balance.

08/08/2022

#利率資訊分享

最近一陣子房貸利率走跌，我們在八月一號的時候迎來了自四月以來的最低點。但是好景不常，在八月二日至三日的時候因為某地緣政治危機因素，兩天之內就狂飆將近0.5%，把利率又拉回了Mid 5%左右。

這星期又是重磅的CPI和PPI數字要連續出爐，根據市場預測，七月分的CPI預估落在8.7，這意味著我們的通膨高峰要過去了嗎？我想大家也都在拭目以待。然而這又代表了聯準會會持續拉高三碼利息來打擊通膨嗎？ 我想大家都非常緊張這些事件和數字的關聯性會對房貸利率和房市造成怎樣的影響。



The mortgage rate has been coming down in the past couple of weeks and we just had a new average low since April on 8/1 with 5.05%. However, the sweetness only last for 1 day and with some geopolitical tension, we soon had huge jump on 8/2 and 8/3 to pull the rate back in the mid 5%.

This week, we will have both CPI and PPI data to be announced. The consensus for CPI for July is at 8.7, does this mean we finally past that inflation peak? How would Fed react and will they stay with their 0.75% rate hike strategy to combat the inflation? We shall stay tuned!

07/29/2022

#產品分享

千呼萬喚始出來，Moutain West Financial 終於在今天推出了浮動利率(Adjustable Rate Mortgage)產品。我們的ARM有三個不同的初期鎖定利率的時間，分別是5，7，10年。

我們這項產品有幾個好處:
1. 最高可貸至 $3mm
2. 信用分數可至 620
3. 買房，重新貸款，或是淨值提現金重新貸款
4. 最低5%首付

所有的貸款都還是需要經過信用、收入的審核以及最後的underwrting approval。不過我相信這也給了我們科州的朋友們又多了一個不同的選項，有興趣的朋友可以來電詢問，或是私訊也可以！

以下是我剛剛抓出來的一些最新(7.29.2022)的ARM利率，這是根據20% down, $550k loan amount and 750 credit score:

5/6mo: 4.500% (4.562% APR)
7/6mo: 4.625% (4.634% APR)
10/6mo: 4.875% (4.855% APR)

07/27/2022

#利率市場

昨天幫一位朋友鎖定了4.75% (4.928% APR)的好利率。其實最近這一陣子的利率算是平穩的，如果有想行動的朋友不妨參考看看。

三十年固定貸款利率是根據貸款人本身條件，再加上貸款人是否買點而決定的。如果您對自己的財務及收入有信心，我相信這樣的利率應該也不會太難達成。



I just locked a 4.750% (4.928% APR) rate for a freind yesterday. In fact, the mortgage rate was pretty stable in the last couple of weeks. Take a look the chart if you are in the market.

30-year fixed rate is based on borrower's financial and credit and whether or not the borrower is buying the point. However, if you are confident your financial and credit, I think this rate is very much achievable.

07/20/2022

#會不會泡沫

剛剛讀了NAR的一篇新聞，雖然上個月現成屋的銷售數字在數字上看起來好像很糟。(我也相信很多新聞管道會用此數字來做文章)
但是當我讀完整篇後，有幾個數字吸引了我的注意，也更加讓我覺得我們現在的房市還是相當的健康，有一直想期待房市跟2007-2008年一樣泡沫化的小夥伴們可能要再三思一下!

1. 首購族的買氣六月(30%)比五月高(27%)，也只比去年同期(31%)少了一點。這也應證了我之前提的，需要房子的人還是需要，那何不趁現在先入手，真要等到回檔也不知道是甚麼時候，加上租金也是無情的飆漲，那還不如擁有一棟自己的房子還實在些!

2. 尚未售出的房屋庫存稍有增加，六月的庫存量有三個月，比五月份的2.6個月稍稍多了一些。不過感覺上這還是稍嫌不足，尤其在一些熱門的地方。一個周末房子就售出的狀況還是很多。

3. 最後一個就是法拍屋和short sale的數量。這些只佔了所以銷售量不到1%，跟上個月獲去年同期都沒有任何變化。如此的數字實在不太足以造成房市的泡沫。

最後還是要提醒大家，在政府過去十多年來對房貸市場的監督和管控，加上最近幾年大家房子的增值，要達到2007-2008年那樣的泡沫實在不容易的一件事。

WASHINGTON (July 20, 2022) – Existing-home sales dropped for the fifth straight month in June, according to the National Association of REALTORS®. Three out of four major U.S. regions experienced month-over-month sales declines and one region held steady. Year-over-year sales sank in all four reg...