Giving you certainty in an uncertain market!

Welcome to Whats a Mortgage, I'm Minh Nguyen, your Orange County home loan expert dedicated to making sure your home purchase or refinance experience is top-notch.

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Minh Nguyen

Minh Nguyen

Loan Officer
NMLS# 312740

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Current California Mortgage Rates

FHA Loan Purchase - 30 Year Fixed

Rate2.94%
1W Change 0.19%
APR3.639%
1W Change 0.09%
Last Updated: 05/31/2020

Conventional Loan Purchase - 30 Year Fixed

Rate3.62%
1W Change 0.03%
APR3.7%
1W Change 0.03%
Last Updated: 05/31/2020

VA Loan Purchase - 30 Year Fixed

Rate3.03%
1W Change 0.03%
APR3.243%
1W Change 0.05%
Last Updated: 05/31/2020

All mortgage rates displayed are provided by Zillow based on borrowers with credit scores between 680-740 and represent averages and trends. Please consult with Minh Nguyen to receive a personalized rate for your specific situation.

Current California Refinance Rates

FHA Loan Refinance - 30 Year Fixed

Rate2.75%
1W Change 0.16%
APR3.556%
1W Change 0.18%
Last Updated: 05/31/2020

Conventional Loan Refinance - 30 Year Fixed

Rate3.41%
1W Change 0.00%
APR3.483%
1W Change 0.00%
Last Updated: 05/31/2020

VA Loan Refinance - 30 Year Fixed

Rate2.86%
1W Change 0.08%
APR3.089%
1W Change 0.02%
Last Updated: 05/31/2020

All mortgage rates displayed are provided by Zillow based on borrowers with credit scores between 680-740 and represent averages and trends. Please consult with Minh Nguyen to receive a personalized rate for your specific situation.

  • I messaged Minh with a question, he responded quickly and we got on a quick call so he can break things down to where it makes sense. It's hard to find people that have your best interest and I can already tell he is one of the good guys. I will definitely be in touch… Meryam - December 15, 2018
  • Minh it is very helpful knowledgeable about every situation that you need to know and is very helpful in helping anyone that needs help and is not afraid to get the best deals possible even if it’s not with his company he is for the people and I respect every video and the knowledge that… Michael - December 2, 2018
  • First of all, the videos are a must watch. Answers all questions you have before diving right in. Second, the quality of care I've received regarding my loan is unmatched! I can't think of a single reason why I'd go anywhere else for my lending needs Caroline - November 18, 2018
  • My wife and I just bought our first house together a few months ago and Minh and his wonderful staff got us the loan. He is hands down the most knowledgeable mortgage lender out there and his staff really walks with you hand and hand through the whole process. Michael - November 15, 2018
  • Minh is super entertaining while being very informational. He’s also extremely responsive to inquiries. Im a first time buyer, and he answered all my questions in ways I could understand. I feel very prepared for my buying adventure because of him. Rebecca - November 3, 2018

Mortgage Calculators

Conventional mortgages are ideal for buyers with good credit and money to put down. They typically require a higher down payment, usually 5%–20% and also have higher income and credit score requirements than government loans. Typical fixed-rate loans have a term of 30 or 15 years.

$

5%

1%

5%

$
$

$1421

Monthly Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

FHA loans are designed to benefit first-time homebuyers and buyers with less than perfect credit and not a lot of money to put down. FHA loan limits vary by county. Click here to see the loan limits in your area.

$

5%

1%

5%

$
$

$1421

Monthly FHA Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Monthly Mortgage Insurance $0

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

If you are a veteran or a current member of the U.S. military, you can apply for a VA Loan, which currently offers up to 100% home financing. Thank you for your service!

$

0%

1%

4.5%

$
$

$1421

Monthly VA Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Purchase Price $1421

VA Funding Fee $1421

Amount Financed $1421

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.
Credit – The 2nd Key to Unlocking your Mortgage (Live Stream Slides) Orange County

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May 26, 2020 What's a Mortgage Livestream Slides: May 26-27, 2020 Credit What we are covering in this live stream: Credit- What is it? The 3 Factors that make up your credit FICO Scores Public Records Trade Lines Credit Rules Monthly Liabilities Examples Read More
Mistakes To Avoid When Selling Your Orange County Home Orange County

Mistakes To Avoid When Selling Your Orange County Home

May 26, 2020 It’s exciting to put a house on the market and to think about making new memories in new spaces, but we can have deep sentimental attachments to the homes we’re leaving behind, too. Growing emotions can help or hinder a sale, depending on how we manage them. Homeowners need to know what it takes to… Read More
Identity – What type of home buyer are you? (livestream slides) Orange County

Identity – What type of home buyer are you? (livestream slides)

May 19, 2020 What's a Mortgage Livestream Slides: May 18-19, 2020 Identity - What type of home buyer are you? What we are covering in this live stream: Identity - The first key to unlocking your mortgage What type of home buyer are you? The First Time Home Buyer The Upgrade/Downsize Buyer The Military Veteran Buyer or the… Read More

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Contact Minh Nguyen

Minh Nguyen

2127 W. Orangewood Ave.
Orange, California 92868
(949) 382-9898
NMLS# 312740

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