Gency Chang - N.C. Real Estate Agent

10/02/2023

02/14/2023

At the end of the day, it’s really about matching the right buyer to the right seller. We’re matchmakers—real estate matchmakers.

02/10/2023

Thank you for letting me represent you!

02/08/2023

If you’re looking to buy a home and are eligible to apply for both, you might be unsure of which one you should get.

FHA loans
** Backed by the Federal Housing Administration, which is a part of the U.S. Department of Housing and Urban Development.
** Allow small down payments as low as 3.5%.
** Opened to borrowers with lower credit scores.
** Mandatory PMI

VA loans
** Backed by the U.S. Department of Veterans Affairs. These loans are a benefit available to those who have served our country.
** Offering competitive interest rates.
** Requiring no down payment.
** Must pay VA Funding Fee

02/01/2023

Federal Housing Administration (FHA) Loans and Conventional Loans are the two most common mortgage loans. Speak with a Mortgage Loan Officer to determine which loans is best for you.

FHA loans - down payment as low as 3.5%, minimum credit score must be higher than 500, and PMI is mandatory for the whole term of the loan.

Conventional loans - down payment as low as 3-5%, minimum credit score must be higher than 620, and PMI is charged until 20% is reach or you can avoid PMI by putting down 20%.

01/25/2023

How do you fix your credit score?

Paying bills on time and paying down balances on your credit cards are the most powerful steps you can take to raise your credit. There is no quick fix for your credit.

01/18/2023

Myth: My credit score is better than my partner's, we can use my credit score to apply for a mortgage loan.

NO!! If you are getting a mortgage loan with your partner or partners, lenders will use the lower credit scores among the group. Therefore, it is important for each individual to have GOOD CREDITS.

01/16/2023

Thank you for the reviews! If you're looking to buy/sell/invest, shoot me a message and we can talk about your goals!

01/11/2023

Congratulations to my client! Thank you for starting my year strong.

If you're looking to buy/sell, please reach out to me and we can talk about the process of selling/buying, expectations, and goals etc.