Z.R Home and Lending

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Yesterday's autumn wind made people really feel that autumn is coming. The season of my favorite ❤️ is finally here.In t...
09/02/2026

Yesterday's autumn wind made people really feel that autumn is coming. The season of my favorite ❤️ is finally here.

In this season, you can read more books, sleep more, draw more pictures, and dream more. 🍂

昨天的一阵秋风，让人真切地感觉到：秋天来了。最喜欢❤️的季节，终于到了。

这个季节，可以多看一些书，多睡一会儿觉，多画一点画，也多做一点梦。🍂

Interest rates have risen so fast recently, and I keep an eye on them every day👀Today, the 10-year government bond has r...
08/01/2026

Interest rates have risen so fast recently, and I keep an eye on them every day👀

Today, the 10-year government bond has risen to more than 4.7%. Hurry up to lock the interest rate; the bank 👸 asked me, "It's locked today, it's so high!" I'm afraid. What if it continues to rise next week?

I'm really anxious. What I'm most afraid of when making a loan is that the interest rate will rise day by day.

I've been staring at it last week, because it's rising almost every day.

It fell a little at the opening this morning, and I thought it would finally be adjusted back; as a result, it rose by 1.47% soon, which really didn't give me a chance to breathe.

最近利率涨得太快了，我每天都在盯着👀

今天10年期国债已经涨到4.7%多了，赶紧把利率锁了（lock）；银行👸问我“ 干麻今天锁啊，这么高！”我怕，下周要是继续涨怎么办？

真的很焦虑，做贷款最怕的就是利率天天往上涨

上个星期一直盯着，因为它几乎每天都在涨

今天上午开盘还跌了一点点，还以为终于要回调了；结果没多久又涨了1.47%，真的是一点喘息的机会都不给

The loan interest rate has reached the highest point in recent months. Pay attention to market changes every day, seize ...
07/24/2026

The loan interest rate has reached the highest point in recent months. Pay attention to market changes every day, seize the right opportunity, and strive to lock in the best interest rate.

In the next two weeks, smooth Funding🌞

贷款利率已来到近几个月的高点，每天关注市场变化，抓住合适的时机，争取锁定最佳利率

下两周，顺利 Funding🌞

In a city in central California, the air is super good and the taste is sweet 👍Funding for the next two weeks, 20% down ...
06/14/2026

In a city in central California, the air is super good and the taste is sweet 👍

Funding for the next two weeks, 20% down payment purchase Loan 🌞🌞

加州中部城市， 空气超级好， 是甜的味道👍

下两周funding ， 20% 首付 purchase Loan 🌞🌞

After several years of companionship, cooperate with guests to make asset allocation adjustments every year;In the next ...
06/09/2026

After several years of companionship, cooperate with guests to make asset allocation adjustments every year;

In the next two weeks, Non-QM Full Doc loan funding smoothly🌹🌹🌹

几年同行，每年配合客人做资产配置调整；

下两周，Non-QM Full Doc贷款顺利funding🌹🌹🌹

As efficient and professional as always! 🌞P&L Loan will be transferred smoothly next week.Thank you for your support and...
06/09/2026

As efficient and professional as always! 🌞

P&L Loan will be transferred smoothly next week.

Thank you for your support and trust all the way. I wish the project a smooth harvest in the next two years and all your wishes come true! 🌱✨

🏡💰🎉

一如既往地高效、专业！🌞
下周P&L Loan 顺利过户

感谢一路以来的支持与信任，祝项目未来两年顺利丰收，心想事成！🌱✨
🏡💰🎉

Next week's investment house DSCR Cash Out, ready for funding🌞下周投资房DSCR Cash Out， 准备funding🌞
06/02/2026

Next week's investment house DSCR Cash Out, ready for funding🌞

下周投资房DSCR Cash Out， 准备funding🌞

When applying for a loan in February, the 30-year fixed interest rate was about 5.8%–5.9%.By April, the average loan int...
04/16/2026

When applying for a loan in February, the 30-year fixed interest rate was about 5.8%–5.9%.

By April, the average loan interest rate in the market has risen to about 6.25% for 30 years.

This time, the customer did Jumbo Loan, with only 11% down payment and good interest 👍

Funding next week🌞🌞

二月份申请贷款时，30年固定利率大约在 5.8%–5.9%。
到了四月份，市场平均贷款利率30年固定已经上涨到 约6.25%。

这次客户做的是 Jumbo Loan，仅11%首付，锁到很好的利息👍

下周 funding🌞🌞

After signing the Loan doc, prepare for funding and close next week.I wish the project all the best🌞🌞签完Loan doc, 下周准备fun...
04/16/2026

After signing the Loan doc, prepare for funding and close next week.

I wish the project all the best🌞🌞

签完Loan doc, 下周准备funding and close

祝project 顺顺利利🌞🌞

The two loan structures are very accurate, and the connection between the second-ranked loan and another set of house-bu...
04/05/2026

The two loan structures are very accurate, and the connection between the second-ranked loan and another set of house-buying loans

Next week funding 🌞🌞🚀

两个贷款结构卡得非常准，第二顺位贷款与另一套买房贷款的衔接

下周 funding 🌞🌞🚀

Address

118 Park Boulevard
Millbrae, CA

Telephone

+14156525457

Website

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