•   · Fixed-Rate Mortgages
  Fixed-Rate Mortgages are ideal for those who want a fixed monthly payment for the life of their mortgage and who plan to stay in their home for a long time.
  1. A fixed rate frees you from mortgage rate swings.
  2. Monthly payments remain the same for the life of the loan.

· 30 Yr Fixed


· 20 Yr Fixed


· 15 Yr Fixed

  •   · Adjustable-Rate Mortgages (ARM)
  An Adjustable-Rate Mortgage (ARM) is for homeowners who want to start with the lowest possible rate or
  who plan to move or refinance in a few years.
  Here are some ARM benefits to consider:
  1. More affordable monthly payment because the initial rate is almost always lower than a traditional
      fixed-rate mortgage.
  2. Lower initial payments can qualify you for a larger loan amount.
  3. You can save money during the initial rate period, after which the rate adjusts periodically with market conditions.
  4. Rate caps can protect you from large payment swings during volatile rate environments.
  5. You can select five, seven and ten-year ARM programs.
  · 5/1 ARM
  · 7/1 ARM
  · 10/1 ARM
  •   · Jumbo Loans
  1. Larger loan amounts starting at $417,001 to $ 5,000,000
     (Loan amounts are subject to change.)
  2. Competitive rates.
  3. Choose a mortgage program with or without cash out.
  · Hana Jumbo Loans(With Cash Out)
  · 5/1 ARM
  · 30 Yr Fixed
  · Hana Jumbo Loans(Without Cash Out)
  · 30/20 Yr Fixed
  · 15 Yr Fixed
  · 5/1 ARM
  · 7/1 ARM
  · 10/1 ARM
  •   · FHA
  FHA loans are a smart option for home financing for first-time home buyers and those with less than
   perfect credit. FHA Loans are often a better option if you have a fair-to-good credit rating and are looking
   for a low down payment.
  Generally, FHA standards are less strict than conventional financing, an FHA Loan is your key to home
  Because every FHA Specialist from our company is fully trained in the HUD-insured loan industry.
  1. Requires less cash up front for your down payment and closing costs.(3.5%)
  2. Available for all income levels.
  3. If you sell your home the new buyer can take over the loan, subject to loan approval.
  4. A co-applicant can help you qualify even though they do not live in the home.
  5. Provides financing options even if your credit history is less-than-perfect.
  •   · Reverse Mortgage
  Reverse Mortgages are an excellent financial solution for senior(62+) homeowners, providing financial
  security and independence. Many seniors are now taking advantage of these programs,
  which are insured by the United States Department of Housing and Urban Development.
  Some of the features of Reverse Mortgages include:
  · Converts your home equity into cash without requiring you to sell your home or incur monthly
     mortgage payments.
  · Home ownership remains with you and transfers to your heirs.
  · No income or credit requirements.
  · You pay no income tax as your loan proceeds are received.
  · Repayment of loan is usually not necessary while you occupy your home, and the amount owed to
     the lender cannot exceed the value of your home.
  · The US Government insures the availability of your cash and income.
  Reverse Mortgages are commonly used to:
  1. Enjoy retirement.
  2. Eliminate mortgage and other debt obligations.
  3. Increase monthly income.
  4. Create cash reserves.
  5. Cover health care costs.
  6. Make home improvements and repairs.
  7. Complete estate planning and gifting to family members.
  •   · Foreign National Program
  A foreign national is a person who is not a permanent resident of the United States.
  Hana Financial has several options for foreign national lending at our disposal. Many investors from other
   countries like to vacation in the U.S., while others prefer to invest in the U.S. because of the exchange
  advantages offered by the currency of their home Country. Whatever your reason for wishing to acquire
  a foreign national loan, Hana Financial has lending options for you.
  We offer citizens of other countries with valid passports and visas a better financing solution.
        ▶ Borrow from $100,000 to $650,000
        ▶ Eligible properties include SFR, Condo, Townhouses and row homes
        ▶ Designed for borrowers with strong credit profiles and significant reserves
        ▶ Flexible loan terms
        ▶ No pre-payment penalty
        ▶ 65% loan-to-value
  · 30 Yr Fixed                · 5/1 ARM
  · 20 Yr Fixed                · 7/1 ARM
  · 15 Yr Fixed                · 10/1 ARM
  · 10 Yr Fixed               
  •   · Asset Depletion Mortgage
  Asset Depletion allows mortgage applicants with significant assets to qualify for a home loan.
  Those financial assets may be used as income for qualifying purposes on an asset depletion mortgage.
  Retired and Non-Retired borrowers are allowed to qualify for an asset depletion mortgage.
  Self employed income, salaried, or retirement income are also eligible.
  Eligible Assets for Asset Depletion Qualifying
  Assets that can be used for qualifying include cash equivalents, such as CD's, funds in checking
  and savings accounts, also, trust accounts and investment portfolio's. Retirement accounts  like IRA's
  and 401k's can be also used, but only if the borrower is 62 years of age or older.
  •   · HomePath Mortgage
  HomePath Mortgage allows a borrower to purchase a Fannie Mae-owned property with a low
  down payment, flexible mortgage terms, no lender-requested appraisal and no mortgage insurance.
  Expanded seller contributions to closing costs are allowed.
  Benefits to You, the Borrower
  · Low down payment and flexible mortgage terms (fixed–rate, adjustable rate, or interest–only).
  · Down payment (at least 3 percent) can be funded by the borrower's own savings; a gift; a grant;
     or a loan from a nonprofit organization, state or local government, or employer.
  · No lender-requested appraisal.
  · No mortgage insurance; ask your lender for cost details on loans without mortgage insurance.
  · Expanded seller contributions for closing costs allowed.
  · Available for primary residences, second homes and investment properties.
  · Many condo project requirements are waived; ask your lender for details.



HEADQUARTERS   1000 Wilshire Blvd., 20th Floor. Los Angeles, CA 90017    Toll Free. 866-564-7420 Tel. (213)788-1100 Fax. (213)228-1166
ORANGE COUNTY OFFICE   2127 W. Orangewood Ave., Suite 100, Orange, CA 92868   Tel. (714)276-1100 Fax. (714)783-2999
NEW YORK OFFICE   1410 Broadway, Suite 1102, New York, NY 10018   Toll Free. 888-476-9888 Tel. (212)240-1234 Fax. (212)869-2449
NORTHWEST REGIONAL OFFICE   33400 9th Avenue South, Suite 203, Federal Way, WA 98003   Tel. (253)568-1234 Fax. (253)568-1237
* Rate quotes based on an Owner Occupied SFR, rate and term, LTV of 75% or less, min. 740 Fico, and a loan amount of $417,000.
Other fees and conditions may be subject to pricing adjustments.