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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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, Inc. and are subject to change without notice. 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).
Product Assumptions:
Conforming: Sample monthly payments for conforming loan products are based on a purchase price of $437,500, and a down payment of 20.00%. Advertised rates and APRs are subject to change without notice. Above scenarios assume a first lien position, 750 FICO score, 30 day rate lock on a primary residence.
Jumbo: Sample monthly payments for jumbo loan products based on a purchase price of $1,200,000, and a down payment of 25.00%. Advertised rates and APRs are subject to change without notice. Above scenario assumes a first lien position, 760 FICO score, 25 day rate lock on a primary residence.
FHA: Sample monthly payments are based on a purchase price of $310,880, and a down payment of 3.50%. Advertised rates and APRs are subject to change without notice. Above scenario assumes a first lien position, 680 FICO score, 30 day rate lock on a primary residence.
VA: Sample monthly payments are based on a purchase price of $400,000, and a down payment of 0.00%. Advertised rates and APRs are subject to change without notice. Sample does not include VA funding fee (max VA funding fee of 3.3%). Above scenario assumes a first lien position, 680 FICO score, 30 day rate lock on a primary residence. Must be an eligible veteran. Subject to underwriting guidelines and applicant's credit profile.
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.
One discount points equals one percent of your loan amount.
Guaranteed Rate, Inc. 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.