9972 Bolsa Ave., Suite 100, Westminster, California 92683

Buying a home is an exciting and sometimes stressful time in everyone's life. So many decisions. A new home, maybe a new city. You may be changing jobs, starting

over or just starting out. You may be refinancing your current mortgage to lower the rate, improve terms or withdraw equity. Either way, the people at Superior One Mortgage understand what you're going through. That's why we work with you and real estate professionals to make the mortgage process as easy and "painless" as possible. We also want you to feel confident about choosing Superior One Mortgage as your mortgage lender. Therefore, we've included a brief guide outlining what makes one mortgage company different from another. And of course, we've included a few good reasons on why you should choose us. Your Hometown Mortgage Broker       Being a hometown lender means we have a stake in our community. We care about what happens to our schools, our neighborhoods and

our future. We also expect to see you again as your home financing needs change and grow. Because of that, we'll take a few extra minutes to make sure you understand and are completely comfortable with your mortgage transaction. Thousands of families come to us for home financing.  We're large enough to provide the most advanced products and service technologies available, and the right size to make home loans one customer at a time. As a matter of fact, our production process is fully automated. Superior One Mortgage utilizes Freddie Mac's automated underwriting system (Loan Prospector) which allows us to give our customers an immediate credit decision.

Loan Programs       Superior One Mortgage offers a wide variety of loan programs and lending options to fit the specific needs of our borrowers. Our loan officers are trained to tailor your loan program to offer you the best rate and loan term for your lifestyle and future. Most of our loan programs allow for loan terms from 10 to 30 years. We also offer many niche products such as low or no documentation programs to make your loan approval process quick and easy. Some of our popular loan programs and lending options include: Conventional Fixed Rate Loans FHA Fixed and Adjustable Rate Loans VA Fixed Rate Loans 1 Year ARM Loans 3/1 Year ARM Loans 5/1 Year ARM Loans 7/1 Year ARM Loans 10/1 Year ARM Loans 5 and 7 Year Balloon Loans No Doc and Low Doc Programs Loans to $2,000,000 Loans for Investment Property Loans for Second Homes 95% Financing on Most Programs "Cash Out" Mortgages 0% Down 3/1 & 5/1 ARM Loans

You can rely on our extensive capabilities, experience and knowledge to help you explore options and make informed decisions. It would be an honor and a privilege to call you a client.       Feel free to contact us for up-to-date mortgage information or advice

714-531-2678 or contact

Nancy Do 714-720-6858 Email: mrlittlesaigon@yahoo.com Website: www.VinnyTran.com

CONFIDENTIAL MORTGAGE APPLICATION ! 

Obtain the Best Rates & Lowest Closing Costs

When you are ready to purchase a home, it makes sense to negotiate from the strongest position possible. In a strong real estate market, sellers can be more selective in the final buyer they choose to negotiate with. In such a crazed seller's market, it's not uncommon for a home seller to receive multiple offers on their property. With that said; there are certain things you can do to make certain that your offer is the one Seller goes with.

The vast majority of Purchaser's today go about the process entirely wrong, putting themselves at an overwhelming disadvantage!

Let's look at this from the Sellers perspective for a moment. If you were the Seller and had multiple offers on your property, all things being equal, would you accept the one with Certificate of Financing Approval or the one that was still conditional on Financing? The answer is obvious. Why then, do so many buyers wait to start the financing until after they have found the home?

What I have found is that those buyers are usually very good, qualified buyers and are not worried about getting approved. Even though they usually are correct and will ultimately be Approved, the Seller in most cases has no guarantees.

Lastly, from a cost savings perspective...

As a prospective purchaser, it makes all the more sense to start the financing early on so you can get a firm handle on your interest rate and estimate of points and closing costs. If you do this before finding a home, you are not under any time constraints and are less likely to over pay like a buyer who has found a home and is under strict time constraints.

Should you decide that you wish to take advantage of Pre-Approval, simply complete the attached confidential mortgage application. We will locate the absolute best mortgage rate and lowest closing costs possible and process your application without any cost or obligation.