Get your hassle-free mortgage with competitive rates here.
Agus Hartono(916) 835-0495
You've come to a right place for your mortgage needs
Googain is a direct mortgage lender servicing in California. Specializing in financing residential Primary, 2nd, and Investment properties (1-4 units) up to $5 million, up to 89.99% LTV, 15/30-year fixed, 5/7/10-year ARM.
In House Delegated Underwriting, and Funding. Efficient turnaround times and Competitive Rates for Conforming and JUMBO.
Interest Rates as of October 23, 2021 2:00 PM PST *.
|Conforming (up to $548,250)||High Balance ($548,250 to $822,375)||Jumbo ($822,375 and above)|
|30 Year Fixed||2.875% APR 2.92%||3% APR 3.05%||3% APR 3.03%|
|15 Year Fixed||2.125% APR 2.207%||2.875% APR 2.97%||2.875% APR 2.94%|
|5 Year ARM||2.25% APR 2.22%||2.5% APR 2.54%||2.625% APR 2.625%|
|7 Year ARM||2.5% APR 2.55%||2.625% APR 2.65%||2.625% APR 2.63%|
|10 Year ARM||2.75% APR 2.79%||2.875% APR 2.9%||2.875% APR 2.89%|
*Disclaimer: Rates are subject to change without notice. This is not rate lock or commitment to lend. Rates are for the state of California only. The following rates are for Primary Residence 1-Family Refinance only. FICO over 780. LTV<=60%. Interest Rates do vary depending on: Transaction Type, Property Type, Occupancy Type, Credit Score and Down Payment/Equity Position. Other factors may apply.
BUY NOW! Purchase Special!
- Competitive rates for conforming and JUMBO
- Up to $5 million loan amount
- Up to 89.99% LTV (Loan To Value)
- 30-year fixed, 5/7/10-year ARM options
- Primary, and investment home occupancy
JUMBO Purchase Special
- Take advantage of our purchase special! Competitive rates for jumbo
- Up to $1.5 million loan amount
- Up to 85% LTV with no mortgage insurance
- 30-year fixed, 7/10-year ARM options
- Primary home purchase only
CASH-OUT Refinance Special!
- Cash back up to $5 million, $2 million, $1 million, or agency loan limits
- ARM and Fixed rate options available
- Primary, 2nd, investment home occupancy
Departing Residence Exclusion
- Thinking of upgrading your current home?
Googain offers payment exclusion on a primary residence to be sold!
- Concerned that you will need to sell your home before you buy?
You don't have to sell to buy! Buy your dream home first. Then, take a time to sell your departing residence.
- Purchase or refinance second & investment homes!
- Up to $3 million loan amount, up to 75% LTV (Loan To Value)
- Cash-out: Up to $2.5 million loan amaount, up to 65% LTV
- No U.S. credit score or history required
- No foreign credit or liability verification required
- 2-4 unit properties included
Self-Employed: 1-Year Tax Return
- 1-year tax return, full documents
- Up to $3.5 million loan amount
- Up to 55% DTI (Debt To Income)
- Minimum 620 FICO
Bank Statement loans starting at 2.99%. No tax returns required!
- 12 & 24 month Bank Statement program will help you put more self-employed borrowers into homes
- No Tax Returns required
- Up 90% LTV, no Mortgate Insurance
- Up to $3.5 million loan amount
- DTI: up to 55% (max 70 LTV; 680 FICO)
- Unlimited Cash out (Max 65% LTV)
- Mixed Use properties: max 1 commercial unit; 3 residential
- 7 & 10 yr ARMs; 15 & 30 yr Fixed rates; 30 or 40 year Interest only options
- Cash out can be used for reserves - up to 75 LTV
- Supplemental income ok (ie SSI, Asset depletion)
Sign-on Bonus & RSU Income for Amazon employee borrowers!
- Sign-on bonus can be used with offer letter
- RSU can be used for up to 50% of qualifying income
- 30-year fixed only
- Primary home only
First Time Home Buyers and Refinance in Sunnyvale, CA
Welcome to the official site of Agus Hartono, Loan Officer from Googain. We are a full-service mortgage company based in Sunnyvale, CA. We specialize in First Time Home Buyers and Refinance in Sunnyvale. We also serve the surrounding cities in Santa Clara County. Whether you are buying a home or refinancing in the zip code 94086, we can help you realize your dream of homeownership or save you money when getting your new lower monthly payment.
In terms of Purchase Loan programs, we offer the following:
Refinancing? We can help you with that, too!
We offer a wide range of refinance options, designed to best meet the needs of local borrowers. If you're looking for cash out, or to just get a better rate and term, we can assist you. We offer the following Refinancing Programs:
What makes Googain unique is that we offer the following niche programs as well: Purchase without the need to sell your departing primary residence first (for house upgrade) Self Employment Programs (1 year doc, Bank Statement, P&L, Asset Based, No Ratio, and Lite doc).
Contact Googain today to discuss your mortgage loan options, and find out which loan program will best suit your needs.
What Our Customers Are Saying
"Agus was extremely helpful and was always available to speak. He made the whole refinance process easy and stress free. Anytime I had trouble understanding anything, he would walk me through everything step by step. I will be working with him again on my next loan"
"Googain provided us with incredible service. We were already in the escrow process with another lender when our real estate agent told us about them. Not only did they offer us an interest rate way below our original lender, but they stepped in when they did and still got us the loan well before closing. Really impressed - will definitely do business with them again."
"I have done refinance with Googain multiple times in the past 4 years. The team was always responsive and provided very professional service for the customer. The latest refinance took only 2 weeks from the day I sent the first query email to the final close, with very good interest rate. I really recommend work with Googain for refinance need."
"I refinanced twice with Googain, and if I have to do it again I would still consider them as my first choice. They offered competitive rates and matched/bettered the rates that I could get from elsewhere. The staff was very responsive and addressed all my queries promptly."
"This team is very good. Strongly recommend."
"All my family members used Googain to refinance our residential and rental properties. They are extremely helpful, efficient and knowledgeable. I would recommend their service to anyone."
"Googain is the most efficient loan company I ever used. My refinance was closed within a month since I initially quoted for the rate. Can you imagine that? The agent worked with me is super responsive, and he always replied my emails within a few hours even after hours and on weekends and during Christmas holidays. Their rate was the lowest after I quoted a few companies. I can't say enough how satisfied I am."
"Googain folks worked really really diligently to get all documentations ready for professional review by the lender (including our lender for subordination approval). Their hard work got our refinance completed smoothly and in time! Thank you Googain for your great work!"
Contact me today for your mortgage!