QD Real Estate & Mortgage

03/06/2025

Is Now a Good Time to Buy a Home? 🏡💭

People always ask, "Should I buy now or wait?" The truth is—the best time to buy isn’t just about the market, it’s about your financial readiness!
✅ Stable Income – Can you comfortably afford mortgage payments?
✅ Good Credit – A higher score = better loan terms & lower rates.
✅ Savings – Do you have enough for a down payment & closing costs?
✅ Long-Term Plans – If you plan to stay put for a while, buying makes sense.

While interest rates and home prices fluctuate, the right time to buy is when YOU are ready! If you're thinking about homeownership, let’s chat and explore your options. 📩🏡

📊 Curious about your score and what loan options you qualify for? Let’s chat! 📩
Contact Us today:
📱408-878-5368
📧 [email protected]
🌐 theXmortgage.com
CalBRE #02031046 - NMLS 1930723

03/04/2025

Pre-Qualified vs. Pre-Approved – What’s the Difference? 🏡💡
Thinking about buying a home? Don’t confuse pre-qualification with pre-approval—one gives you an estimate, the other gives you buying power!
✅ Pre-Qualification: A quick estimate of what you might afford based on self-reported info. No verification, no guarantees.
✅ Pre-Approval: A lender verifies your financials and gives you a conditional loan approval—making you a stronger buyer in the eyes of sellers.
💡 Tip: If you’re serious about buying, get pre-approved to stand out in a competitive market!
📊 Curious about your score and what loan options you qualify for? Let’s chat! 📩
Contact Us today:
📱408-878-5368
📧 [email protected]
🌐 theXmortgage.com
CalBRE #02031046 - NMLS 1930723

03/04/2025

🚨 How Your FICO® Score Is Calculated (and Why It Matters for Your Mortgage) 🏡💳

💡 Why it matters? A higher score = lower mortgage rates = BIG savings!

Thinking about buying a home? Your FICO® score plays a huge role in your mortgage approval and interest rates. Here’s how it’s calculated:

✅ Payment History (35%) – Late payments hurt. Paying on time is key!
✅ Amounts Owed (30%) – Using too much of your credit limit? Lenders don’t like that.
✅ Length of Credit History (15%) – The longer your history, the better.
✅ Credit Mix (10%) – A healthy mix of credit cards, loans, and mortgages helps.
✅ New Credit (10%) – Too many new accounts at once? That’s a red flag.

📊 Curious about your score and what loan options you qualify for? Let’s chat! 📩

Contact QD today:
📱408-878-5368
📧 [email protected]
🌐 theXmortgage.com
CalBRE #02031046 - NMLS 1930723

07/24/2024

🔥Close in 11 days???🔥

Imagine holding the keys 🔑 to your dream home in just 11 days! Sounds like a fairy tale? Well, we're here to make fairy tales come true! 🌟

🍾Congrats to super young couple for getting a Clear to Close in record time! 🏡🏃‍♂️💨

With our super speedy process, you can be settling into your new place before you know it, bypassing all the usual waiting and stress.

Ready to turn your home buying journey into a fun, fast, and fabulous experience? Let’s make it happen together!

Contact QD today:
📱408-878-5368
📧 [email protected]
🌐 QDmortgage.com
CalBRE #02031046 - NMLS 1930723

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11/30/2022

🔥Starting Wednesday, November 30, conventional, VA loans, and conforming loan limits are increased. 🔥

• $726,200 for regular one-unit loans (increased from $647,200)
• $1,089,300 for one-unit high-balance loans (increased from $970,800)

Higher loan limit, higher purchase power with lower down payment.

Example: Santa Clara buyers now can purchase a home up to $1,140,000 with only 5% down (loan amount: $1,083,000).
It’s still conventional, rate is better rate than Jumbo loan.

Want to learn more?

👋Quoc Duong (QD)
✍Loan Officer - NMLS 193-0723
☎408-878-5368
ℹ️ QDmortgage.com
📧[email protected]
"Your Best Friend In Mortgage Industry"

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11/11/2022

Happy Veterans Day to our military and their families, who sacrifice so much to keep our country safe and strong. 💝

👋Quoc Duong (QD)
✍Loan Officer - NMLS 193-0723
☎408-878-5368
ℹ️ QDmortgage.com
📧[email protected]
"Your Best Friend In Mortgage Industry"

11/02/2022

Don’t let hidden fees blow your budget! When you work with an independent mortgage broker (like me) you get a true ally in your home search. I’ll walk you through your loan options, then help you choose the one that’s best for your bottom line. Message me to get started!

👋Quoc Duong (QD)
✍Loan Officer - NMLS 193-0723
☎408-878-5368
ℹ️ QDmortgage.com
📧[email protected]
"Your Best Friend In Mortgage Industry"

10/26/2022

🎉$88,000 Forgivable Down Payment Funded from CALHFA.

First-time homebuyers receive a loan of up to 10% of the purchase price. The loan is forgivable if the borrower occupies the home as their primary residence for five years.

Proud to be one of the very few broker, who can help buyer gets government assistant fund.

Contact us if you want to receive 10% forgivable for your first house.
https://www.qdmortgage.com/ten-percent-forgiveness-down-payment-assistant

👋Quoc Duong
✍Loan Officer - NMLS 193-0723
☎408-878-5368
📧[email protected]

"Your Best Friend In Mortgage Industry"
#10%forgivable

10/25/2022

🙏 Thanks to CAHFA, borrowers now can build equity faster 💰 with lower monthly payment. Especially, if you have 10% down payment, there is no mortgage insurance. Even more, have 10% loan forgives if you keep the house for 5 years 👐.

Want to learn more?

👋Quoc Duong (QD)
✍Loan Officer - NMLS 193-0723
☎408-878-5368
ℹ️ QDmortgage.com
📧[email protected]
"Your Best Friend In Mortgage Industry"

10/25/2022

🔥New Loan Limit Alert!!!🔥
🎉Great news for borrowers. Higher loan limit means more people will be able to get a conventional loan, better rate, less money needed for down payment, more cash-out available on refinance.
Take advantage of new higher loan ceiling, NOW.

👋Quoc Duong (QD)
✍Loan Officer - NMLS 193-0723
☎408-878-5368
📧[email protected]
"Your Best Friend In Mortgage Industry"

08/25/2022

𝟏𝟎% 𝐃𝐨𝐰𝐧 𝐏𝐚𝐲𝐦𝐞𝐧𝐭 𝐅𝐨𝐫𝐠𝐢𝐯𝐚𝐛𝐥𝐞 𝐄𝐪𝐮𝐢𝐭𝐲 𝐁𝐮𝐢𝐥𝐝𝐞𝐫 𝐋𝐨𝐚𝐧
Learn more:
👉 https://www.qdmortgage.com/ten-percent-down

General Program Eligibility:

👫𝑩𝒐𝒓𝒓𝒐𝒘𝒆𝒓:
- Be a first-time homebuyer
- Occupy the property as a primary residence
- CalHFA borrowers must complete homebuyer education counseling
- Meet county income limits set by Fannie Mae.
- Contact us to for more detail.
🏠 𝑷𝒓𝒐𝒑𝒆𝒓𝒕𝒚:
- Be a single-family, one-unit residence, including approved condo/townhouse.
- Manufactured housing is permitted
- Condominiums must meet the guidelines of the first mortgage.
*The loan is forgivable if the borrower continuously occupies the home as their primary residence for five years
𝐏𝐫𝐨𝐠𝐫𝐚𝐦 𝐞𝐱𝐚𝐦𝐩𝐥𝐞: The program helps homebuyers with a loan of up to 10% of the purchase price.
Purchase price: $800,000
If eligible, you will receive 10% of purchase price = $80,000.

Learn more:
👉 https://www.qdmortgage.com/ten-percent-down

Quoc Duong - Loan Officer - NMLS #1930723
📲 +1 408-878-5368
📧 [email protected]
💻https://www.qdmortgage.com.

08/23/2022

𝟏𝟎% 𝐃𝐨𝐰𝐧 𝐏𝐚𝐲𝐦𝐞𝐧𝐭 𝐅𝐨𝐫𝐠𝐢𝐯𝐚𝐛𝐥𝐞 𝐄𝐪𝐮𝐢𝐭𝐲 𝐁𝐮𝐢𝐥𝐝𝐞𝐫 𝐋𝐨𝐚𝐧

General Program Eligibility:
👫𝑩𝒐𝒓𝒓𝒐𝒘𝒆𝒓:
- Be a first-time homebuyer
- Occupy the property as a primary residence
- CalHFA borrowers must complete homebuyer education counseling
- Meet county income limits set by Fannie Mae.
- Contact us to for more detail.
🏠 𝑷𝒓𝒐𝒑𝒆𝒓𝒕𝒚:
- Be a single-family, one-unit residence, including approved condo/townhouse.
- Manufactured housing is permitted
- Condominiums must meet the guidelines of the first mortgage.

*The loan is forgivable if the borrower continuously occupies the home as their primary residence for five years

𝐏𝐫𝐨𝐠𝐫𝐚𝐦 𝐞𝐱𝐚𝐦𝐩𝐥𝐞: The program helps homebuyers with a loan of up to 10% of the purchase price.
Purchase price: $800,000
If eligible, you will receive 10% of purchase price = $80,000.

👉 Contact us to learn more:
Quoc Duong - Loan Officer - NMLS #1930723
📲 +1 408-878-5368
📧 [email protected]
💻https://www.qdmortgage.com/ten-percent-down

The Forgivable Equity Builder Loan, can give first-time homebuyers a head start.