Morgan Real Estate
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LOWEST RATES 15 yr fix 2.125%, 20 yr fix 2.5% - please call 408-416-8736 to check if you can do lower rate. Like most people, you're hopefully on the lookout for an agent who embraces technology, yet still values the personal touch, so look no further than Morgan Real Estate & Financial, Inc. You'll love resources here such as the mortgage calculators, listings search, and tips for staging your home.

But these will never replace the time we spend in person with you, serving as your personal guides through this important process.
Services
We're a group of licensed real estate and mortgage consultants, dedicated to providing California home owners and investors best services. We provide home buying, selling and mortgage services as one stop shopping. In addition, we also provide EB-5 investment green card services to foreign investors as a total solution.
Real estate experts tell first-time home buyers that it's critical to apply for a loan before shopping for a home, and it's true. This is a crucial first step, and there are many advantages to gaining pre-approval. Save Time by Looking at the Right Homes - If your real estate agent is sending you e-mail notifications of new listings, you can ask him/her to fine-tune parameters to more precise selection of homes that you are qualified to buy.
As the seller, you have the option of financing the buyer's purchase with the equity you have in the property. You can finance part or the entire mortgage for the buyer. Before setting-up a private mortgage, it is wise to consult with your attorney. In the case of "carrying back a second mortgage", the seller loans the buyer part of the seller's equity.
You might think that the home buying process starts with getting pre-approved by a lender or with choosing a real estate agent. The quality of your wallet starts the home buying process. To become a homeowner, considering your credit score is a must along with the type of mortgage loan for which you'll qualify in San Jose.
Compare Rates - See how changes in your rate affect your payment for a given principal and term. Balloon Payment - A balloon mortgage can reduce your monthly payments but may require refinancing at the end of the term. Interest Only - Compare monthly payment amounts for an interest-only mortgage and a principal-interest mortgage.
Reviews (17)
Kelly H.
Kelly H.
Nov 03, 2021
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Lynn always has the best knowledge and fast processing on any purchase and refinance . This is not the 1st time we getting loans with her and she always get everything done quick and perfect highly recommended .
Peiyan Z.
Peiyan Z.
Oct 20, 2021
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Lynn and her team has been super awesome!!! They helped us work on our recent refinance of our primary house. Her team is amazing. They are super responsive and the whole process is smooth and fast. Definitely would recommend her team for doing refinancing.
Xinyi Z.
Xinyi Z.
Jul 23, 2021
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!!! I've finished my refinance this June, Lynn and her team had quick response, lower rate, closed on time, and I will definitely highly recommend to my friends and family, 5 star for sure!
Amanda F.
Amanda F.
Jun 28, 2021
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Lynn helped me on a refinance case back in April. The case went through lightning fast even though my case was a little complicated. She also got me a lower rate than what was expected. After the case was closed, she carefully helped me calculate the extra part I paid for the refi and later I did received checks returned for that. I highly recommend working with Lynn for your mortgage needs.
Shirley T.
Shirley T.
Jun 25, 2021
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My friend recommended Lynn's team when I asked for refinance services. The team is very professional. They addressed all my questions timely. The process of the refinance was quite smooth. I was so impressed how efficient the team is. With the help of Lynn's team, I was able to complete my refinance in a few weeks and started to save money every month:)
Joey C.
Joey C.
Jun 25, 2021
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Lynn and her team are one of the best specialists you can ask for in getting a successful loan and refinance. Not only does she have one of the best rates around and can match any competitor but her team are readily available to help with any matter in order to get the loan across the finish line. The experience has been good for both first time borrowers as well as returning clients (I was both). Once you build the trust and confidence from working with their team, it's hard to find the same satisfaction and quality elsewhere. From interacting with other loan officers I can tell the difference
Sam C.
Sam C.
May 19, 2021
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Lynn is really nice and professional. My whole refinancing experience was pleasant, but more importantly, it was easy. I didn't spend much time at all worrying about the things I was not familiar at first. Lynn and her team would already had sent a second email explaining what the numbers or reason mean, trailing the first email. I really like everything laid out clear for me to feel safe and time efficient!
Coco Z.
Coco Z.
Mar 30, 2021
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I was refinancing my mortgage loan with Morgan real estate financial. Vivian was great. she is very easy to work with and good communication, and she offered me lower rate at the end. The only downside was that the lender was extremely slow. overall i am pretty happy with Morgan real estate financial and Vivian.
Aj A.
Aj A.
Mar 21, 2021
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STAY AWAY FROM THIS BROKER and LYNN MENG

She wasted 5 months of my precious time and the rates have climbed so high now. I started with her late November and early December. I told her that I need someone who can help if number of renters are more than owners. She replied Yes I can do it, no issues. I collected each and every document she wanted and sent to her, working late nights. She came back and my income for 2019 is not enough, I said my 2020 income is good. She told me to file. I hurried up to file my taxes. It was already February now. I have to pay extra money to tax accountant to
S. C.
S. C.
Mar 21, 2021
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We have been lucky enough to work with Lynn for 10 years. Honest, hard working very efficient. Can't ask for any better service anywhere. Very competitive rate Recommended to all my friends and families. Thanks Lynn.
Can M.
Can M.
Mar 06, 2021
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I just close the home loan with Morgan real estate. They locked the rate in the market at current time. I am very happy by quick response and quick resolve my questions since beginning. I rated 5 star to Morgan real estate!!!
Xing T.
Xing T.
Feb 20, 2021
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This is a great team. Very efficient and nice. I've used their service twice. Always the lowest rate and the best service!
Ruian X.
Ruian X.
Apr 14, 2020
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I was refinancing my 30-yr fixed right before the shelter-in-place orders started to take effect. Lynn, Vivian and Morgan are excellent -- kept communicating with you smooth so you know exactly what will happen, and whenever there was issues, they were on top of it, making sure things kept progressing.

I would definitely highly recommend them to my friends.
Janet G.
Janet G.
Mar 03, 2019
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SPAM texts! From Yujing Pang - not wanted, not welcome. I would give a negative number of stars if it were possible.
Xin C.
Xin C.
Nov 08, 2018
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I did my home loan with Morgan because a co-worker recommended it. Lynn and her team is super efficient and very professional. They answer all my emails right away. They were able to get the loan approved in less than 15 days, which is amazing!
Yosen C.
Yosen C.
Mar 17, 2018
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I had very good experience with Lynn, the mortgage officer. She was very professional, I told her my financial situation, she offered me different options, such as lowest down payment or lowest interest rate. And what she offered was way better than most retail mortgage products I found. Besides, what surprised me was that the loan process finished much earlier than the expected target close date. As a first time house buyer, I felt less stressful since she made the complicated loan process much easier. I already recommend her to many friends of mine.
Hongjun M.
Hongjun M.
Mar 15, 2018
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The following review is for Shiying Deng and her processor Vanessa. This post is pure from my willingness and Shiying never asked/hinted me to make her great work public.

We recently went under contract to buy a SFH on 2/14. Initially, I used my original loan agent for the process but two weeks into the contract, there was no real progress made and then I was told that he's in the middle of a transition to the different brokerage. We had no any contingencies for the contract and the seller agent was losing patience.

On 2/26 Monday late afternoon and evening, I felt the need to switch agent