Welcome to Your Home Source, offering exceptional customer service since 2007. We appreciate you choosing us as your real estate and home financing company. Customer service is our #1 Responsibility. So throughout the home and loan process you will be contacted by your agents and loan officers Monday Friday 9:00am 6:00pm, Pacific Standard Time.
We have access to a full range of properties and mortgage products and we are dedicated to finding your the right home and competitive rates, terms and the right product to meet your unique needs. But that's just the beginning of my service. Throughout the process, we will provide regular updates and progress reports so you always know the status of your home and loan.
We have access to a full range of properties and mortgage products and we are dedicated to finding your the right home and competitive rates, terms and the right product to meet your unique needs. But that's just the beginning of my service. Throughout the process, we will provide regular updates and progress reports so you always know the status of your home and loan.
Services
Need financing options on a home, or other real estate? Choosing a purchase loan product that matches your goals and making sure you get the best rate for your given scenario can feel like playing whack-a-mole. We're here to make the home loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting with a FREE pre-approval letter request.
The traditional 30-year fixed-rate mortgage has a constant interest rate and monthly payments that never change. This may be a good choice if you plan to stay in your home for seven years or longer. If you plan to move within seven years, then stable-rate loans are usually cheaper.
We're here to make the home loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting with our FREE 30-Year Fixed Rate Mortgage Qualifier.As a rule of thumb, it may be harder to qualify for fixed-rate loans than for adjustable rate loans.
We're here to make the home loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting with our FREE 30-Year Fixed Rate Mortgage Qualifier.As a rule of thumb, it may be harder to qualify for fixed-rate loans than for adjustable rate loans.
This loan is fully amortized over a 15-year period and features constant monthly payments. It offers all the advantages of the 30-year loan, plus a lower interest rate and you'll own your home twice as fast. The disadvantage is that, with a 15-year loan, you commit to a higher monthly payment. Many borrowers opt for a 30-year fixed-rate loan and voluntarily make larger payments that will pay off their loan in 15 years.
An ARM is an Adjustable Rate Mortgage. Unlike fixed rate mortgages that have an interest rate that remains the same for the life of the loan, the interest rate on an ARM will change periodically.
The intial interest rate of an ARM is lower then that of a fixed rate mortgage, consequently, an ARM maybe a good option to consider if you plan to own your home for only a few years; you expect an increase in future earnings; or, the prevailing interest rate for a fixed mortgage is to high.
The intial interest rate of an ARM is lower then that of a fixed rate mortgage, consequently, an ARM maybe a good option to consider if you plan to own your home for only a few years; you expect an increase in future earnings; or, the prevailing interest rate for a fixed mortgage is to high.
An FHA loan is a mortgage loan that is insured by the Federal Housing Administration (FHA). Essentially, the federal government insures loans for FHA-approved lenders in order to reduce their risk of loss if a borrower defaults on their mortgage payments.
The FHA program was created in response to the rash of foreclosures and defaults that happened in 1930s; to provide mortgage lenders with adequate insurance; and to help stimulate the housing market by making loans accessible and affordable.We're here to make the FHA home loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting with our FREE FHA Loan Qualifier.
The FHA program was created in response to the rash of foreclosures and defaults that happened in 1930s; to provide mortgage lenders with adequate insurance; and to help stimulate the housing market by making loans accessible and affordable.We're here to make the FHA home loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting with our FREE FHA Loan Qualifier.
Reviews (11)
Annie V.
Dec 22, 2021
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I highly recommend Phu Phan for your lending needs. He was fast and efficient among many other things. He responds to questions right away and he delivers and follows through every step of the way. Blessed to have had him on my team, and he made the process as smooth as can be! He was there every step of the way and even when I got keys to my new property, he was there #1 upfront and center. I am extremely appreciative for him and his team and I cannot stress enough how much I highly recommend this team for your needs
Kazel M.
Dec 21, 2021
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The Phu Phan Group is the best ever you kind find in the market of Lenders. Phu and the team are very responsive, quick, and they hassle. We really love their service. You can definitely reach them 24/7 with every questions or concerns that you may have. You can email, text or call them. THEY WILL ANSWER YOU. Trust me, the process is the nightmare. But working with them make it all smoothly. THANK YOU SO MUCH TO THIS GROUP!! I WILL definitely recommend this to everyone-- including family and friends.
Gerardo Carrera
Nov 16, 2021
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️⭐️⭐️⭐️⭐️ We are blown away. My family’s experience with Phu & his team was phenomenal. With interest rates at an all time low, we knew it was time for a refi. We immediately reached out to the best of the best. Phu Phan and his team. Phu has an amazing track record in the community with a relentless work ethic. He was always available to answer our questions and and concerns. He educated us to make sure we understood the documents we were signing. Phu and his team closed our loan in 2 weeks time. They kept us updated every step of the way. We know he and his team went above
Mayra R.
Nov 11, 2021
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Phu and the Phan group have been outstanding!!!! Outstanding communication and explains every step of the way with no question or concern unanswered. Phu always went above and beyond and exceeded my expectations, best lender you can find! I most definitely will come back with future services and will refer to family and friends.
Mario P.
Jul 29, 2021
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Phu Phan really lives up to the statement on his business card. This was our first time purchasing a home and the process was very smooth. There is constant communication and a sense of urgency from Phu and his staff throughout the entire process. Mostly everything can be done electronically, making it very easy for people on the go. I would highly recommend him as your lender. Thank you Phu!
Jorge Enciso
May 03, 2021
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Thank you to the Phan Group for guiding us through the loan process with the purchase of our very first home. As new homebuyers we had tons of questions and Phu and his team were very kind to answer all of them during anytime in the day. I can’t stress enough how grateful we are that we chose the right team to help us through this journey. Thank you so much to the entire Phan Group and looking forward to working with you guys again soon. WoooHooo!!!!!!!!
Jose & Jorge
Jose & Jorge
Frank M.
Apr 18, 2021
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Phu and his team helped us with the financing of our new investment property in Eugene, Oregon. We live in Orange County, so this was an out of state purchase and we were happy when they told us that they were licensed in the state of Oregon. Phu and his team worked diligently and were always available to answer our questions throughout the entire process.
Lakewood Cerritos Dental Center
Jan 18, 2021
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I have refinanced and purchased homes in the past. However this refinance experience has been by far the best I've ever had! Phu has been 10000% committed and transparent since day one. Monica and the rest of the team have been extremely professional and on top of things. I strongly recommend The Phan Group for your next refinance or purchase. I will definitely be using them in the near future! Thanks again guys, Your the BEST!!!!!
Yesenia Palacio
Jan 13, 2021
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As first time home buyers, my husband and I needed a lot of help understanding the home buying process and Phu Phan, at the Phan Group, explained it thoroughly and gave us great advice and answered all of our questions. He and Monica worked very hard to close escrow and constantly communicated with us and our real estate agent. We received a low rate and we couldn't have asked for better service. Thank you! We hope to work with you in the future and refer our family and friends.
Guadalupe Ralph
Oct 12, 2020
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This was our 1st time refinancing our home. Not knowing what to expect and hoping for the best The Phan Group made this process super easy. Their follow through AMAZING. Every morning I received continuous feedback and they requested documents , answered all my questions no matter the time of day or night. I am an office Manager myself and I can honestly say that their Customer Service , Follow through, special attention to detail & the fact that they care for the BEST for their customers is awesome.
They were able to lower my mortgage payment , lower my interest , and approve me for a conventional
They were able to lower my mortgage payment , lower my interest , and approve me for a conventional
Yesenia Zuniga
Aug 21, 2020
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Phu and his team were amazing throughout the whole process. We are first time homebuyers and needless to say we had a lot of questions and concerns. Phu was super helpful, clear in explaining everything to us and very patient. In addition to that, Phu and his team are extremely hard working and when we say this, we are not exaggerating. Phu would respond to us, call us and help us at any time we needed him. There was a lot of constant communication and he worked so well with our realtor. Everyone is very dedicated and responded right away and are simply put- good at getting things done. We felt
