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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

Rate3.70%
1W Change 0.00%
APR4.494%
1W Change 0.00%
Last Updated: 07/06/2020

Conventional Loan Purchase - 30 Year Fixed

Rate3.35%
1W Change 0.10%
APR3.425%
1W Change 0.10%
Last Updated: 07/06/2020

VA Loan Purchase - 30 Year Fixed

Rate3.07%
1W Change 0.32%
APR3.258%
1W Change 0.21%
Last Updated: 07/06/2020

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

Rate3.00%
1W Change 0.00%
APR3.706%
1W Change 0.00%
Last Updated: 07/06/2020

Conventional Loan Refinance - 30 Year Fixed

Rate3.15%
1W Change 0.09%
APR3.218%
1W Change 0.09%
Last Updated: 07/06/2020

VA Loan Refinance - 30 Year Fixed

Rate2.85%
1W Change 0.20%
APR3.146%
1W Change 0.26%
Last Updated: 07/06/2020

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.
The Golden State Finance Authority GSFA Platinum Program (live stream slides) Orange County

The Golden State Finance Authority GSFA Platinum Program (live stream slides)

July 2, 2020 What's a Mortgage Livestream Slides: July 1-2, 2020 The Golden State Finance Authority GSFA Platinum Program What we are covering in this live stream: The Most popular growing DPA program! GSFA Breakdown. 3 versions, Freddie Mac and FHA versions Open Door, Platinum & Platinum Select County Loan Limits Daily Rates Read More
How to Improve Your Homeowners Insurance Coverage Orange County

How to Improve Your Homeowners Insurance Coverage

June 30, 2020 If you own a home in Orange County, you need to have adequate homeowners insurance coverage. Nearly all mortgage lenders require it as part of the conditions for issuing a home loan anyway. However, as time goes on, you may find that you want to make certain changes to your homeowners insurance to create a better… Read More
How to calculate your mortgage payment (live stream graphics) Orange County

How to calculate your mortgage payment (live stream graphics)

June 30, 2020 What's a Mortgage Livestream Slides: June 29-30, 2020 How to calculate your mortgage payment What we are covering in this live stream: What makes up your mortgage payment County Loan Limits Down Payment Simulator How to determine Loan amount, Hazard rates, tax rates Upfront MI + VA Funding Fee FHA Mortgage Insurance Conventional Mortgage Insurance… 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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If you have any immediate questions or concerns don't hesitate to give us a call @ (949) 382-9898

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