Loan Officer Derek Lin

Loan Officer Derek Lin NMLS #1922620
You find the home. I find the loan.
24/7 Available
On-time. All the time. Every time.

Cleared to close while I am in Michigan. Easy 3 steps we do:1. Preparation (We make it understandable and educational)2....
05/24/2023

Cleared to close while I am in Michigan.
Easy 3 steps we do:
1. Preparation (We make it understandable and educational)
2. Process easy (Free your mind and hands, we take over from you)
3. Sign and get your key
4. Home Sweet Home!
Reach for any home financing need.

加州20%補助已經開始接受申請啦! 怎麼申請?首先你必須先去完成房產教育課程 (可以在申請的同時完成課程) 圖一, 在搜尋引擎輸入California Dream For All Shared Appreciation Loan然後找到此網...
03/30/2023

加州20%補助已經開始接受申請啦! 怎麼申請?
首先你必須先去完成房產教育課程 (可以在申請的同時完成課程)
圖一,
在搜尋引擎輸入California Dream For All Shared Appreciation Loan
然後找到此網址點擊進入 並在業面搜尋 ”Homebuyer Education Requirement”
就會找到啦! 找不到私我

接下來的圖片就是加州所在郡的最高貸款額度, 看看你的地區最高能貸到的額度
並且思考是否符合你的期望值及預算

而申請的部分由”政府認證”的貸款專員幫您提交申請
要是找到不是政府認證是無法拿到補助的唷, 所以要確保找到正確貸款專員
初步申請文件如下:
1. 2 months Bank statement 近兩個月銀行月結單
2. 2 years tax return 兩年的退稅單
3. 2 most recent paystub 近兩次的工資單
4. ID & SSN 駕照、護照/綠卡、以及工卡
5. W2 - Most 2 recent year (W2)近兩年的年度工資總結表
6. Self-employee, YTD P&L and active letter from accountant(since when) 自雇者,需要會計今年年度的收益損失表(P&L) 以及 公司營運證明(active letter) 需註明公司從何時開始營運

外州人士也能申請,只要確保過去三年沒有任何的自住房紀錄即可. 是的, 假如你在外州有投資房, 那你在加州購買自住房是符合申請資格的. 但必須在申請完成前證明有意搬進加州.

如何確定是否拿到補助? 我們都知道只有5億美金的, 所以先到先得.
目前得到的資訊是只要政府認證合作銀行鎖上利率就會確定鎖上補助額度.
至於能否先鎖利率後找房件, 並不行. 需要有購買合同並且提交貸款申請才能鎖利率

Located at 1388 Kapiolani Blvd SKY is Renaissance hotel, a Marriott brand. Sky has East(hotel) and West(residence) tower...
02/01/2023

Located at 1388 Kapiolani Blvd
SKY is Renaissance hotel, a Marriott brand.
Sky has East(hotel) and West(residence) tower
Both are buyable, great for your own and investment.

You’re only able to get pre-approval letter from pic 1’s lenders. However, you can still find pic 2 to do the loan after the letter😎

I’m here 24/7 for you, help you to prepare how to get pre-approval letter. So you’ll have everything on hand before you go to them. I’m making all the process easy, fun and educated.

Btw, Tax season is coming, hit me up for your home financing needs.

**Leave to hotel manage is allow short term rentals**

I am here 24/7 as always
12/18/2022

I am here 24/7 as always

(中文在下面)So last Friday, Supreme Court voted to overturn abortion rights. This is right has been in almost 50 years since ...
06/28/2022

(中文在下面)
So last Friday, Supreme Court voted to overturn abortion rights.
This is right has been in almost 50 years since 1973.

BUT, Do you know abortion is all about money? Abortion access is not just about bodily autonomy. It's also about economic security and opportunity:
• Legal access to abortion increases women's probability of graduating college by 72%.
• Delaying motherhood by one year due to access to legal abortion increases women's wages by 11%.
• Top of that, the legalization of abortion decreases the percentage of children who grow up in poverty and improves future life outcomes, including increased college attendance rates.
• Legal abortion helps women and our society overall become more educated, higher earners in better financial positions.

They want babies born into poverty. They want single mothers to struggle to support their children. This includes Teenage Pregnancy, r***d women, etc.
why?
Because it keeps the working class WORKING!!
They want bodies in the workforce. When people have comfort and means, the workforce has more flexibility.
Remember when everyone was able to quit and find better jobs due to stimulus checks?
The same legislators that are adamantly Pro-life also hail from states with the highest poverty rates. and the lowest literacy rates. So don't tell me this about LIFE! This is about keeping people paycheck to paycheck. So they have to work until they die.
**Don't stay filter bubble and don't let media framing. The capacity for independent thinking is really important nowadays.**

週五美國最高法院推翻了憲法墮胎保護權
這是從1973年開始對女性主義的保障,
近50年權益正式成為歷史
但,你知道嗎?
墮胎保護權其實不僅僅只是身體自主權, 其實這跟整個大社會的經濟有很大的關係.
讓我娓娓道來, 根據學術研究:
• 合法的墮胎機會, 能使女性大學畢業的可能性增加了72%。
• 因為合法墮胎, 讓成為媽媽的時間軸往後移, 這使婦女的工資平均在社會上增加 11%。
• 最重要的是,墮胎合法化降低了貧困兒童的比例,並改善了未來的生活成果,包括提高大學入學率。
• 合法墮胎有助於女性和我們的社會整體上受教育程度更高,收入更高,財務狀況更好。
而目前的美國,有些政客們不希望以上的事情持續增加! 這些政客, 美其名「每個生命都值得存在」。但實際它們希望嬰兒出生在貧困中。這其中包含未婚懷孕的, 未成年懷孕, 強暴下的孩子等等都必須在法律下強制出世。
它們希望單親媽媽們努力養活自己的孩子!!!
為甚麼?
因為這些政客們, 希望讓藍領階級的打工人持續待在藍領階級! 它們希望有人做基礎的勞力工!
它們希望勞工階級的必須為了生活所需而保持工作, 因為當人有了更舒適的環境更多的靈活性做選擇的時候, 民眾意願用 「勞力/時間」換取金錢的比例就會減少。
看看當時疫情期間美政府派發的補助金, 許多人有了金援後便趁著機會往上爬。
我們再稍微粗略的看一下, 就可以發現絕多數支持推翻憲法的州便是這些識字率低及經濟貧困區的州。所以你們覺得這只是單純有關於「生命」的主題嗎?
其實就是政客操作人們的的情感一場局。
它們希望勞工當月光族,靠著每個月微薄的薪資過活, 讓人生找不到出口, 直到這一生的結束。
當然啦,你們也能不同意我的看法。凡事都需要獨立思考, 不要被大眾主流媒體帶風向。投資方面也是唷! 我是DK, 你們美國房貸的小幫手

Let us help you customize your loan based on your budget and timeline. Our flex-term refinancing options allow you to re...
05/31/2022

Let us help you customize your loan based on your budget and timeline. Our flex-term refinancing options allow you to refi without resetting your term and modify your loan to fit your budget. Reach out to learn more.

Still renting? Your money could be going toward something that creates lasting value. Reach out to learn more about what...
05/29/2022

Still renting? Your money could be going toward something that creates lasting value. Reach out to learn more about what it takes — and how much it really costs — to buy a home of your own!

PMI is a type of insurance required on conventional loans where the loan amount is greater than 80% of the purchase pric...
05/28/2022

PMI is a type of insurance required on conventional loans where the loan amount is greater than 80% of the purchase price or property value. Once a minimum of 20% equity has been established, PMI may be eliminated.

It can be exciting to think about furnishing your dream home, but remember to hold off on large purchases until after yo...
05/27/2022

It can be exciting to think about furnishing your dream home, but remember to hold off on large purchases until after you close. Buying furniture or appliances can negatively impact the processing of your mortgage.

One of the keys to getting a mortgage is knowing your credit score, but did you know pulling your score too many times c...
05/23/2022

One of the keys to getting a mortgage is knowing your credit score, but did you know pulling your score too many times can be harmful? We can pull your score once and shop multiple lenders to ensure your FICO doesn't drop.

Not sure if you should refinance? Ask yourself how long you to plan to live in your current home. This will help you det...
05/21/2022

Not sure if you should refinance? Ask yourself how long you to plan to live in your current home. This will help you determine whether the cost outweighs the savings. Reach out and we’ll walk you through it

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585 South Blvd E
Pontiac, MI
48341

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