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SAM'S Club Offers: 

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AMERICAN EXPRESS Offers:

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CALI STORE VN Membership: Take full advantage of every CSV membership benefit including a variety of services that can help you save money. CALI STORE VN (CSV) membership is a free membership for life.



BUYING A HOME PROCESS & HELPFUL TIPS @ ANDY TRAN REALTOR; DRE #01913079

PREQUALIFICATION OR PREAPPROVAL? WHAT YOUR BUYERS NEED TO KNOW!

HOME LOANS & PROGRAMS WHAT YOU NEED TO KNOW WHICH IS BEST ONE FOR YOU?

5 TIPS TO HELP BUYERS PREPARE & READY WHEN YOU FIND YOUR DREAM HOME!

PREQUALIFICATION OR PREAPPROVAL? WHAT YOUR CLIENTS NEED TO KNOW

You  have making important decisions about financing your new home. A smart first step is to know how much they’ll be able to borrow by getting prequalified or preapproved by a lender.


PREQUALIFICATION

What is prequalification?

Prequalification is an estimate from a lender indicating the amount you could potentially borrow for a home. It’s not a commitment to lend.

Why should I get prequalified?

Getting prequalified can give you a price range for when you start searching for a new home.

How do I get prequalified?

You can get prequalified easily online or over the phone. The amount is often based on simple information such as your income, assets and credit score. Please contact me to learn how convenient it is.


PREAPPROVAL

What is preapproval?

Unlike prequalification, preapproval is a much more specific estimate of what you could borrow from your lender. 

At ADK BANCORP INC. preapproval status lasts for 60 days.

Why should I get preapproved?

If you need to move quickly in a competitive housing market, preapproval gives you an edge. It shows the seller that you are a serious buyer, which sets you apart from other buyers.

How do I get preapproved?

By getting pre-Approved, you’re doing most of the work required to secure a loan. Pre-Approval requires underwriting and much of the supporting documentation necessary for a mortgage, including copies of pay stubs that show your last 30 days of income, W-2 statements from the past two years, signed personal and business tax returns from the past two years, and your two most recent bank statements for all financial accounts. If you are self-employed, Pre-Aapproval also requires a copy of your most recent quarterly or year-to-date profit/loss statement.







Estimate your personal rate with the

mortgage calculator or 

refinance calculator

&



Learn More

5 TIPS TO HELP BUYERS PREPARE & READY WHEN YOU FIND YOUR DREAM HOME!

HOME LOANS & PROGRAMS WHAT YOU NEED TO KNOW WHICH IS BEST ONE FOR YOU?

5 TIPS TO HELP BUYERS PREPARE & READY WHEN YOU FIND YOUR DREAM HOME!

5 TIPS TO HELP BUYERS PREPARE & READY WHEN YOU FIND YOUR DREAM HOME!

April 2019

5 TIPS TO HELPS BUYERS PREPARE

BUYERS seeking for potential of a DREAM HOME. 

1. Review 

Start by looking at your credit score to make sure there are no errors. Also, pay off any delinquent bills and reduce your debt to get a more favorable debt-to-income ratio. Most lenders want your debt-to-income ratio to be no more than 36%.

2. Get prequalified or preapproved.

Getting prequalified for a mortgage gives you an idea of what your loan program and the amount you can borrow might look like in advance. Plus, it can be done through my website for free.

3. Figure out how much home can you afford

Next, set a price range. What can you reasonably afford? Don’t forget to include insurance, property taxes, and condo/homeowner association fees if applicable.

Helpful tip: 

https://calistorevn.idxbroker.com/idx/mortgage

 can help you determine monthly home payments.

4. Know what you want

Now it’s time to focus on your vision. Do you want a two story or ranch? Need a large yard for entertaining? Nearby bike and jogging paths? Close proximity to schools? What are your target neighborhoods?

Knowing your price range and what you want is important in a seller’s market where you may need to move quickly.

5. Study different mortgage types

There are many types of mortgages available. The 30-year, fixed-rate mortgage is the most common, but familiarizing yourself with all your options helps you make smart financial decisions. Talk with a lending specialist to learn more.

Ask us or an ADK BANCORP INC. lending specialist, I am happy to talk with you about your home buying or refinancing needs.









Estimate your personal rate with the

mortgage calculator or 

refinance calculator

&

Learn More

HOME LOANS & PROGRAMS WHAT YOU NEED TO KNOW WHICH IS BEST ONE FOR YOU?

HOME LOANS & PROGRAMS WHAT YOU NEED TO KNOW WHICH IS BEST ONE FOR YOU?

HOME LOANS & PROGRAMS WHAT YOU NEED TO KNOW WHICH IS BEST ONE FOR YOU?

Everyone has different needs based on their specific situation. When we work together, I'll put best products and services to work to help you as clients find the home loan that's right for you.

Affordable Loan Solution® mortgage

This loan offers a competitive rate and a down payment as low as 3% to help make buying a home more affordable. It may be a good, responsible loan option for qualified homebuyers who don't have enough savings for a larger down payment.

Here are some highlights of the program:

  • Competitive rates with a down payment as low as 3%
  • Applicants cannot own additional properties at closing
  • Mortgage insurance is not required
  • Homebuyer education may be required for first-time buyers through a HUD-approved counseling provider or nationwide network of counselors or us as an ADK BANCORP INC. lending specialist, I am happy to talk with you about your home buying or refinancing needs.
  • Maximum income and loan amount limits apply (varies by location)

FHA and VA loan programs

These government lending programs from the Federal Housing Administration (FHA) and Department of Veterans Affairs (VA) can help your eligible clients find low-down-payment options. They serve a vital role for first-time homebuyers and also move up buyers seeking low-down-payment options.

FHA program highlights include:

  • Industry standard credit score requirements
  • Nontraditional credit
  • Higher loan-to-value (LTV) ratios
  • Nonoccupant co-borrower
  • Up-front Mortgage Insurance Premium (UFMIP) financed or paid in cash by applicant or seller
  • Monthly Mortgage Insurance Premium (MIP) required

VA program highlights include4:

  • Industry standard credit score requirements
  • Nontraditional credit
  • Up to 100% LTV ratio
  • No mortgage insurance (While VA loans do not have mortgage insurance, the borrower may be required to pay a VA funding fee. This fee is typically financed into the loan amount.)

Learn More

CURRENT MORTGAGE RATE

PERSONAL LOANS & AUTO LOAN

HOME LOANS & PROGRAMS WHAT YOU NEED TO KNOW WHICH IS BEST ONE FOR YOU?

CURRENT MORTGAGE RATE

Estimate your personal rate with the

 mortgage calculator or 

refinance calculator

&

  • Personal Auto Loans 
  • AUTO+FAST
  • Personal Auto Loans
  • AUTO+SECURE
  • Personal Auto Loans
  • AUTO+QUICK
  • Personal Auto Loans 
  • PRIVATE
  • Personal Auto Loans
  • Up to $35,000
  • Online or Call Us
  •  APPLY NOW!


Find out more

PERSONAL LOANS & AUTO LOAN

PERSONAL LOANS & AUTO LOAN

PERSONAL LOANS & AUTO LOAN

 Finally there is an easy way to get 

 &

  • Up to $5000 in just minutes and few clicks 
  • Up to $5000 in just minutes. 
  • AppLy anytime, from anywhere
  • Get your funds fast.
  • A Personal Loans  (TAX REFUND)
  • from $1,000 to $35,000. 
  • Better than a Bank, smarter than a Credit Card
  •  APPLY NOW!

Find out more

VIP MEMBERSHIPS BENEFITS

PERSONAL LOANS & AUTO LOAN

PERSONAL LOANS & AUTO LOAN

Congrats, you've been invited to join the club!

  • We can HELP YOU with working capital  
  • for Business Expansives
  •  APPLY NOW!
  •  Business Loans for 
  • Retails Shops
  • Business Loans for
  •  Auto Repair Shops.
  •  Business Loans for Construction Co. 
  •  Business Loans for Restaurants
  •  Business Loans for
  •  Help makes your Online  Business Grow.

Find out more

BUSINESS & PERSONAL FINANCE SERVICES CENTER

PERSONAL LOANS & BANKING SERVICES CENTER

You are paying too much on interest ?

Pay a lot in Interest?

* Credit Repairs may HELP!

* Don't let denied  Turn to Defeat!

* Fix your Credit Build Your Future!

* Get a FREE One on One credit consultation:   

* Caseable

* Checks In The Mail

* Online or Call Us CALL NOW!

* Up to $5000 in just minutes. 
* AppLy anytime, from anywhere. Get your funds fast.

Bad Credit Personal Loans and Options:

Finally there is an easy way to get 

* Up to $5000 in just minutes. 

* AppLy anytime, from anywhere

 Get your funds fast.

* A Personal Loans  (TAX REFUND)

  from $1,000 to $35,000. 

* Better than a Bank, smarter than a Credit Card Online or Call Us

             APPLY NOW!

Auto Loans Available Fast Funding:

 Personal Auto Loans

 AUTO+FAST

* Personal Auto Loans  AUTO+SECURE

*  Personal Auto Loans 

AUTO+QUICK

* Personal Auto Loans 

PRIVATE LENDERS

* Personal Auto Loans 

Up to $35,000

* Get Funding for your NEW or Used Certified Auto makes easy 

* Online or Call Us APPLY NOW!



BUSINESS BANKING & FINANCIAL SUPPLIES CENTER

Personal & Business Checks Orders:

* Business Checks Order Package

* Personal Checks Order Package

* Extra Value Checks Order $10 Off

* Business Postcards Order

* Design, Prints & Mail Service

* Designed Calendars Order

* AWeber Integrations Marketing

* A Better World  


Loans & Mortgage Calculators:

The Loan Calculator helps you estimate the monthly payments

The Mortgage calculator 

or the refinance calculator.

* Personal Loans

 HOME IMPROVEMENTS

* Personal Loans

 DEBT CONSOLIDATION

* Personal Loans

 TRAVELS or MEDICAL WEDDING/ENGAGEMENT

Business Loans Center

* Business Loans for 

Retails Shops

* Business Loans for 

Auto Repairs 

* Business Loans for

Construction Company. 

* Business Loans for 

Restaurants

* Business Loans for 

help makes Online Business Grow.

* We can HELP YOU with 

working capital  

for BusinessExpansives! 

             APPLY NOW!

CALI STORE VN 2019 www.calistorevn.com 855.880.8866

CALI STORE VN 2019 🇺🇸 OVER 500 BRAND NAMES & DEPARTMENT STORES

Through innovation, we're creating a seamless experience to let customers shop anytime and anywhere online, through mobile devices and online stores. We are creating opportunities and bringing value directly to customers and communities around the globe.

RESIDENTIAL & COMMERCIAL REAL ESTATES DREAM TEAM

RESIDENTIAL & COMMERCIAL REAL ESTATES DREAM TEAM...JOIN NOW!

RESIDENTIAL & COMMERCIAL REAL ESTATES DREAM TEAM...JOIN NOW!

REAL ESTATE FULL SERVICES BY 

ANDY TRAN REALTOR; DRE #01913079

(714) 306-3678

INTERNATIONAL RELOCATION SPECIALIST

Ahtran71@gmail.com

Calistorevn18@gmail.com

LEARN MORE
4180 Wilshire Blvd #202, Los Angeles CA 90010  MLS # OC19109896 $1,025,000

* New Listings *

4180 Wilshire Blvd #202, Los Angeles CA 90010

MLS # OC19109896 $1,025,000

&

The Mortgage calculator or the refinance calculator.

The Loan Calculator helps you estimate the monthly payments

Find out more

* Business Opportunity *

9684 Westminster Blvd, Garden Grove CA 92844

MLS # OC19084422 $125,000

&

The Mortgage calculator or the refinance calculator.

The Loan Calculator helps you estimate the monthly payments

Find out more

CALI STORE VN 2019 POLICIES & PROCEDURES

Welcome to CALI STORE VN 

US Shipping & International Shipping Policies

Returns & Refund & Exchanges Policies


Terms  & Conditions Policies


Personal Shoppers*

Privacy Policy

REAL ESTATE FULL SERVICES @ ANDY TRAN REALTOR

Honesty, hard work, and professionalism are the foundation of my real estate success. You deserve it, expect it, now experience it. My award-winning track record, dedicated service, and cutting-edge strategies lead you to your real estate goals. 🇺🇸 I'M YOUR REALTOR FOR LIFE! ❤️ LOVE WHAT I DO AND DO WHAT I LOVE.🏡

ANDY TRAN REALTOR @ CALI STORE VN 2019


REAL ESTATE FULL SERVICES BY

ANDY TRAN REALTOR; DRE #01913079.

International Relocation Specialist

Tel: (714) 306-3678  Fax: (714) 908-8899

0968335588 VIETNAM

I'M YOUR REALTOR FOR LIFE!


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