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.

Contact Me Today! Get Pre Approved!
Minh Nguyen

Minh Nguyen

Loan Officer
NMLS# 312740

Explore Your Loan Options

Learn More

Estimate Your Mortgage Payment

Get Started

What's Your Home Worth Today?

Find Out Now

Real Customer Experiences

Read Reviews

Latest Videos

Current California Mortgage Rates

FHA Loan Purchase - 30 Year Fixed

Rate2.75%
1W Change 0.49%
APR3.556%
1W Change 0.43%
Last Updated: 04/09/2020

Conventional Loan Purchase - 30 Year Fixed

Rate3.62%
1W Change 0.19%
APR3.699%
1W Change 0.18%
Last Updated: 04/09/2020

VA Loan Purchase - 30 Year Fixed

Rate2.99%
1W Change 0.10%
APR3.199%
1W Change 0.08%
Last Updated: 04/09/2020

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

Rate2.77%
1W Change 0.47%
APR3.561%
1W Change 0.50%
Last Updated: 04/09/2020

Conventional Loan Refinance - 30 Year Fixed

Rate3.40%
1W Change 0.23%
APR3.462%
1W Change 0.24%
Last Updated: 04/09/2020

VA Loan Refinance - 30 Year Fixed

Rate2.84%
1W Change 0.20%
APR3.023%
1W Change 0.26%
Last Updated: 04/09/2020

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.
How Much Do You Need To Make To Live In The 15 Largest U.S. Cities? Orange County

How Much Do You Need To Make To Live In The 15 Largest U.S. Cities?

April 7, 2020 Home values vary considerably across the country, and that means aspiring buyers will need more—or less—money depending on where they’re putting down roots. For example, the median home value in San Francisco is nearly $1.2 million, compared to $170,000 in Philadelphia. Researchers with SmartAsset, a personal finance website, sought to find out how much consumers… Read More
Spring Home Maintenance Projects In Orange County Orange County

Spring Home Maintenance Projects In Orange County

March 30, 2020 Once the weather starts to warm up, consider tackling a few projects around your Orange County house. When it comes to keeping your home running smoothly, a little bit of preventative maintenance can make a huge difference. Replace All the Filters in Your Home Many people never even think about replacing their filters, and that can… Read More
Renovations That May Help Your Orange County Home Sell Faster Orange County

Renovations That May Help Your Orange County Home Sell Faster

March 23, 2020 If you've decided to place your Orange County home on the market, you likely want it to sell as quickly as possible. Partially, this is for your own convenience. More importantly, though, the longer that a house sits on the market, the lower its final price tends to be. Therefore, before you list your home, you… Read More

Mortgage Questions? We Can Help!

Contact Us Today!
X

Get in Touch

Contact Minh Nguyen

Minh Nguyen

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

Send an Email