Alan Ouye
Branch Manager/VP of Mortgage Lending

Alan Ouye has been a mortgage expert for over three decades, helping his clients achieve their dreams of homeownership. For most people, purchasing a home is the single largest financial decision of their life. He enjoys being a part of something that affects people's lives so positively and profoundly. Alan’s favorite aspects of working in mortgage lending is building relationships. He’s always excited to meet new people and looks forward to checking in with past clients. Alan values honesty and transparency and will always make sure his clients and referral partners are in the loop throughout the entire process. Alan has found long term success in the mortgage business by always putting his customers first and providing his clients the highest level of customer service. With the majority of his business generated from past customers and word of mouth referrals. He looks to continue to grow his business by refining and simplifying the mortgage process for his customers with the goal of making the home loan process easy to navigate. His team has been trained to thoroughly educate their borrowers throughout the mortgage process so they fully understand their options and feel comfortable with their chosen loan program. He’s also committed to getting loans closed quickly (on Time) and efficiently with funding purchases in as little as 15 days from application to closing. • Branch Manager/VP of Mortgage Lending -Alan splits his time working his own client base originating and building new business relationships for both himself and his retail production team. • Alan graduated from California State University Long Beach with a Bachelor degree in Real Estate Finance. He grew up in Pasadena, CA, and currently resides in Huntington Beach with his wife and three daughters. He is very involved in his community and the surrounding towns, and is currently the Fall ball commissioner for the South Huntington Beach Girls Fast Pitch Softball Board of Directors. Community involvement is a very important part of Alan's personal and professional life. He enjoys helping people in all aspects of life.

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Loan typeRateAPRDiscount points ($)Mo. payment

This is NOT a mortgage loan approval or commitment to lend. The actual fees, costs, and monthly payment on your specific loan transaction may vary, and may include city, county, or other additional fees and costs. Mortgage rates are offered exclusively through Guaranteed Rate and are subject to change without notice. If the down payment is less than 20%, mortgage insurance may be required and could increase the monthly payment and APR. The payment amount does not include homeowners' insurance, flood insurance (if applicable), or property taxes that must be paid in addition to your loan payment. The displayed Annual Percentage Rate (APR) is a measure of the cost to borrow money expressed as a yearly percentage. For mortgage loans, excluding home equity lines of credit, it includes the interest rate plus other charges or fees (such as mortgage insurance, discount points, and origination charges). For home equity lines, the APR simply reflects the interest rate. When shopping for a mortgage, you can use the APR to compare the costs of similar loans between lenders. One discount points equals one percent of your loan amount. Some jumbo loan options may not be available to first\-time home buyers. We based the mortgage interest rates shown on a 30\-day rate lock period. Under certain circumstances, a 30\-day rate lock may not be available. When you apply, you can choose to lock or float your interest rate range. Mortgage rates and loan options displayed depend on a number of variables, including the accuracy of the information you have entered, which is subject to verification, credit and property approval. These mortgage rates are based upon a variety of assumptions and conditions, which include a consumer credit score that may be higher or lower than your individual credit score. Your loan's interest rate will depend upon the specific characteristics of your loan transaction and your credit history up to the time of closing. VA If you meet the eligibility requirements of the VA program, gifts or grants may be used for down payments. Up to 100% financing may be available for qualified borrowers. Most VA loans require the borrower to pay a 'funding fee'. This fee may be paid out of pocket or financed into the loan amount. At the direction of the United States Congress and the Department of Veterans Affairs VA Funding Fees may increase or decrease without notice. Guaranteed Rate, Inc. is a private corporation organized under the laws of the State of Delaware. It has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the US Department of Agriculture, or any other government agency. Adjustable Rate Mortgage (ARMs) Interest rates and payments may increase after consummation. After the initial fixed period, your interest rate may change periodically according to the market index. Any change may significantly impact your monthly payment. Since the index in the future is unknown, the First Adjusted Rate and Payments displayed are based on the current index plus the margin (fully indexed rate) at time of scenario/disclosure. Before choosing an ARM, you should decide if you can manage the maximum estimated payment if the rate increases. To fully understand minimum and maximum payments, please speak to a mortgage loan expert.