◈ Homepage — http://unifirstinvestment.com/Alhambra  APPLY PURCHASE REFINANCE TODAY’S RATES  LOAN OPTIONS  FREE TOOLS  ABOUT LOCAL PROS BLOG Shop Mortgage Options & Compare Rates for FREE! Use one of our quick & easy tools to find out what you qualify for! Home Purchase Qualifier Refinance Rate Checker Get a FREE Rate Quote Now! Get My FREE Quote! Uni First Investment Inc is your online resource for personalized mortgage solutions, fast customized quotes, great rates, & service with integrity. SOCIAL OUR CONTACTS [email protected] 801 S. Garfield Ave #308 Alhambra, CA 91801 (626) 215-0218 (626) 940-5919 Copyright ©2026 | Uni First Investment Inc |  DRE#: 01965919  NMLS #1317444 | Licensed to Do Business in the State of CA NMLS Consumer Access Portal | Privacy Policy | Site Accessibility ◈ Interior Pages — 20 pages crawled--> Alhambra FHA Loans | Uni First Investment Inc Alhambra Toggle navigation  Apply Home Purchase Refinance Today’s Rates  Loan Options 30 Year Fixed Mortgage 15 Year Fixed Mortgage Adjustable Rate Mortgage FHA Loans VA Loans Jumbo Loans USDA Loans HARP Loans  Free Tools Pre-Approval Letter Refinance Analysis Payment Calculator Search Homes for Sale Home Value Estimate Home Insurance Quote Credit Repair  About Contact About Us Yelp Reviews Local Pros Local Pros in Rowland Heights Local Pros in Arcadia Blog  Apply FHA Loans on the Cheap! Get a FREE quote on an FHA Loan & save thousands of dollars per year. I Want My FREE FHA Loan Quote! The Lowdown on FHA Loans... Our FHA Loan Rates Are Low & Our Process is Quick & Painless An FHA loan is a mortgage loan that is insured by the Federal Housing Administration (FHA). Essentially, the federal government insures loans for FHA-approved lenders in order to reduce their risk of loss if a borrower defaults on their mortgage payments. The FHA program was created in response to the rash of foreclosures and defaults that happened in 1930s; to provide mortgage lenders with adequate insurance; and to help stimulate the housing market by making loans accessible and affordable. We’re here to make the FHA home loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting with our FREE FHA Loan Qualifier. We’ll help you clearly see differences between loan programs, allowing you to choose the right one for you whether you’re a first-time home buyer or a seasoned investor. The FHA Loan Process Here’s how our home loan process works: Complete our simple FHA Loan Qualifier Receive options based on your unique criteria and scenario Compare mortgage interest rates and terms Choose the offer that best fits your needs Why an FHA Loan? Typically an FHA loan is one of the easiest types of mortgage loans to qualify for because it requires a low down payment and you can have less-than-perfect credit. An FHA down payment of 3.5% is required. Borrowers who cannot afford a traditional down payment of 20% or can’t get approved for private mortgage insurance should look into FHA loans. FHA Loan Qualifier! Fixed Rates Adjustable Rates (ARM) 3.5% Down Payments Jumbo & Super Jumbo Loans Terms from 5 to 30 Years Get Your FREE FHA Loan Quote Now! I Want My FREE FHA Loan Quote! Uni First Investment Inc is your online resource for personalized mortgage solutions, fast customized quotes, great rates, & service with integrity. Social Our Contacts [email protected] 801 S. Garfield Ave #308 Alhambra, CA 91801 (626) 215-0218 Copyright ©2026 | Uni First Investment Inc |  DRE#: 01965919  NMLS #1317444 | Licensed to Do Business in the State of CA NMLS Consumer Access Portal  |  Privacy Policy  |  Site Accessibility     --> Privacy Policy | Uni First Investment Inc Alhambra Toggle navigation  Apply Home Purchase Refinance Today’s Rates  Loan Options 30 Year Fixed Mortgage 15 Year Fixed Mortgage Adjustable Rate Mortgage FHA Loans VA Loans Jumbo Loans USDA Loans HARP Loans  Free Tools Pre-Approval Letter Refinance Analysis Payment Calculator Search Homes for Sale Home Value Estimate Home Insurance Quote Credit Repair  About Contact About Us Yelp Reviews Local Pros Local Pros in Rowland Heights Local Pros in Arcadia Blog  Apply Privacy Policy This Privacy Policy governs the manner in which Uni First Investment Inc collects, uses, maintains and discloses information collected from users (each, a “User”) of the https://unifirstinvestment.com/ website (“Site”). This privacy policy applies to the Site and all products and services offered by Uni First Investment Inc. Personal identification information We may collect personal identification information from Users in a variety of ways, including, but not limited to, when Users visit our site, register on the site, subscribe to the newsletter, respond to a survey, fill out a form, and in connection with other activities, services, features or resources we make available on our Site. Users may be asked for, as appropriate, name, email address, phone number. Users may, however, visit our Site anonymously. We will collect personal identification information from Users only if they voluntarily submit such information to us. Users can always refuse to supply personally identification information, except that it may prevent them from engaging in certain Site related activities. Non-personal identification information We may collect non-personal identification information about Users whenever they interact with our Site. Non-personal identification information may include the browser name, the type of computer and technical information about Users means of connection to our Site, such as the operating system and the Internet service providers utilized and other similar information. Web browser cookies Our Site may use “cookies” to enhance User experience. User’s web browser places cookies on their hard drive for record-keeping purposes and sometimes to track information about them. User may choose to set their web browser to refuse cookies, or to alert you when cookies are being sent. If they do so, note that some parts of the Site may not function properly. How we use collected information Uni First Investment Inc may collect and use Users personal information for the following purposes: To improve customer service Information you provide helps us respond to your customer service requests and support needs more efficiently. To personalize user experience We may use information in the aggregate to understand how our Users as a group use the services and resources provided on our Site. To improve our Site We may use feedback you provide to improve our products and services. We may use the information Users provide about themselves when placing an order only to provide service to that order. We do not share this information with outside parties except to the extent necessary to provide the service. To share your information with third parties We may share or sell information with third parties for marketing or other purposes. To run a promotion, contest, survey or other Site feature To send Users information they agreed to receive about topics we think will be of interest to them. To send periodic emails If User decides to opt-in to our mailing list, they will receive emails that may include company news, updates, related product or service information, etc. If at any time the User would like to unsubscribe from receiving future emails, we include detailed unsubscribe instructions at the bottom of each email or User may contact us via our Site. How we protect your information We adopt appropriate data collection, storage and processing practices and security measures to protect against unauthorized access, alteration, disclosure or destruction of your personal information, username, password, transaction information and data stored on our Site. Our Site is in compliance with PCI vulnerability standards in order to create as secure of an environment as possible for Users. Third party websites Users may find advertising or other content on our Site that link to the sites and services of our partners, suppliers, advertisers, sponsors, licensors and other third parties. We do not control the content or links that appear on these sites and are not responsible for the practices employed by websites linked to or from our Site. In addition, these sites or services, including their content and links, may be constantly changing. These sites and services may have their own privacy policies and customer service policies. Browsing and interaction on any other website, including websites which have a link to our Site, is subject to that website’s own terms and policies. Compliance with children’s online privacy protection act Protecting the privacy of the very young is especially important. For that reason, we never collect or maintain information at our Site from those we actually know are under 13, and no part of our website is structured to attract anyone under 13. Changes to this privacy policy Uni First Investment Inc has the discretion to update this privacy policy at any time. When we do, we will revise the updated date at the bottom of this page. We encourage Users to frequently check this page for any changes to stay informed about how we are helping to protect the personal information we collect. You acknowledge and agree that it is your responsibility to review this privacy policy periodically and become aware of modifications. Your acceptance of these terms By using this Site, you signify your acceptance of this policy. If you do not agree to this policy, please do not use our Site. Your continued use of the Site following the posting of changes to this policy will be deemed your acceptance of those changes. Contacting us If you have any questions about this Privacy Policy, the practices of this site, or your dealings with this site, please contact us at: Uni First Investment Inc 801 S. Garfield Ave #308 Alhambra, CA 91801 (626) 215-0218 | [email protected] This document was last updated on 02/16/2017 Uni First Investment Inc is your online resource for personalized mortgage solutions, fast customized quotes, great rates, & service with integrity. Social Our Contacts [email protected] 801 S. Garfield Ave #308 Alhambra, CA 91801 (626) 215-0218 Copyright ©2026 | Uni First Investment Inc |  DRE#: 01965919  NMLS #1317444 | Licensed to Do Business in the State of CA NMLS Consumer Access Portal  |  Privacy Policy  |  Site Accessibility     --> Alhambra Jumbo Loans | Uni First Investment Inc Alhambra Toggle navigation  Apply Home Purchase Refinance Today’s Rates  Loan Options 30 Year Fixed Mortgage 15 Year Fixed Mortgage Adjustable Rate Mortgage FHA Loans VA Loans Jumbo Loans USDA Loans HARP Loans  Free Tools Pre-Approval Letter Refinance Analysis Payment Calculator Search Homes for Sale Home Value Estimate Home Insurance Quote Credit Repair  About Contact About Us Yelp Reviews Local Pros Local Pros in Rowland Heights Local Pros in Arcadia Blog  Apply Jumbo Loans on the Cheap! Get a FREE quote on a Jumbo Loan & save thousands of dollars per year. I Want My FREE Jumbo Loan Quote! The Lowdown on Jumbo Loans... Our Jumbo Loan Rates Are Low & Our Process is Quick & Painless A jumbo loan is a loan that exceeds the conforming loan limits as set by Fannie Mae and Freddie Mac. As of 2022, the limit is $647,200 for most of the US, apart from Alaska, Hawaii, Guam, and the U.S. Virgin Islands, where the limit is $970,800. Rates tend to be a bit higher on jumbo loans because lenders generally have a higher risk. We’re here to make the jumbo home loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting with our FREE Jumbo Loan Qualifier. We’ll help you clearly see differences between loan programs, allowing you to choose the right one for you whether you’re a first-time home buyer or a seasoned investor. The Jumbo Loan Process Here’s how our home loan process works: Complete our simple Jumbo Loan Qualifier Receive options based on your unique criteria and scenario Compare mortgage interest rates and terms Choose the offer that best fits your needs Why a Jumbo Loan? There are many benefits, including: financing available up to $2.5 million; the convenience of one loan for the entire loan amount instead of having multiple mortgages; competitive pricing… and more. Jumbo Loan Qualifier! Fixed Rates Adjustable Rates (ARM) Reduced Lender Fees Jumbo & Super Jumbo Loans Terms from 5 to 30 Years Get Your FREE Jumbo Loan Quote Now! I Want My FREE Jumbo Loan Quote! Uni First Investment Inc is your online resource for personalized mortgage solutions, fast customized quotes, great rates, & service with integrity. Social Our Contacts [email protected] 801 S. Garfield Ave #308 Alhambra, CA 91801 (626) 215-0218 Copyright ©2026 | Uni First Investment Inc |  DRE#: 01965919  NMLS #1317444 | Licensed to Do Business in the State of CA NMLS Consumer Access Portal  |  Privacy Policy  |  Site Accessibility     --> Site Accessibility - Alhambra Alhambra Toggle navigation  Apply Home Purchase Refinance Today’s Rates  Loan Options 30 Year Fixed Mortgage 15 Year Fixed Mortgage Adjustable Rate Mortgage FHA Loans VA Loans Jumbo Loans USDA Loans HARP Loans  Free Tools Pre-Approval Letter Refinance Analysis Payment Calculator Search Homes for Sale Home Value Estimate Home Insurance Quote Credit Repair  About Contact About Us Yelp Reviews Local Pros Local Pros in Rowland Heights Local Pros in Arcadia Blog  Apply Site Accessibility Assistance Uni First Investment Inc is dedicated to making our website accessible to everyone, including individuals with disabilities. To report a problem or request an accommodation, please contact Click Here . In your message, please include the web page address or URL and the specific problems you have encountered. Uni First Investment Inc is your online resource for personalized mortgage solutions, fast customized quotes, great rates, & service with integrity. Social Our Contacts [email protected] 801 S. Garfield Ave #308 Alhambra, CA 91801 (626) 215-0218 Copyright ©2026 | Uni First Investment Inc |  DRE#: 01965919  NMLS #1317444 | Licensed to Do Business in the State of CA NMLS Consumer Access Portal  |  Privacy Policy  |  Site Accessibility     --> About Uni First Investment Inc - Alhambra Mortgage Broker Alhambra Toggle navigation  Apply Home Purchase Refinance Today’s Rates  Loan Options 30 Year Fixed Mortgage 15 Year Fixed Mortgage Adjustable Rate Mortgage FHA Loans VA Loans Jumbo Loans USDA Loans HARP Loans  Free Tools Pre-Approval Letter Refinance Analysis Payment Calculator Search Homes for Sale Home Value Estimate Home Insurance Quote Credit Repair  About Contact About Us Yelp Reviews Local Pros Local Pros in Rowland Heights Local Pros in Arcadia Blog  Apply Shop Mortgage Options & Compare Rates for FREE! Use the quick & easy tool below to find out what you qualify for. I Want My FREE Mortgage Rate Quote! Thanks for stopping by. About us... DRE#: 01875568 | NMLS#: 865875 Eric Lao graduated from University of California, Irvine. Eric started from scratch as a loan processor and shortly after become an loan officer who now has over 9 years of experience in the mortgage industry. He has counseled over thousands families on how to purchase and refinance their homes and closed over $200 million in overall mortgage volume. He believes that the best business practice is to treat his client as his family. To provide the best product is essential, but more important is to provide the best customer service. Eric is fluent in English, Cantonese and Mandarin. Get Your FREE Mortgage Rate Quote Now! I Want My FREE Mortgage Rate Quote! Uni First Investment Inc is your online resource for personalized mortgage solutions, fast customized quotes, great rates, & service with integrity. Social Our Contacts [email protected] 801 S. Garfield Ave #308 Alhambra, CA 91801 (626) 215-0218 Copyright ©2026 | Uni First Investment Inc |  DRE#: 01965919  NMLS #1317444 | Licensed to Do Business in the State of CA NMLS Consumer Access Portal  |  Privacy Policy  |  Site Accessibility     --> Local Pros in Rowland Heights | Uni First Investment Inc Alhambra Toggle navigation  Apply Home Purchase Refinance Today’s Rates  Loan Options 30 Year Fixed Mortgage 15 Year Fixed Mortgage Adjustable Rate Mortgage FHA Loans VA Loans Jumbo Loans USDA Loans HARP Loans  Free Tools Pre-Approval Letter Refinance Analysis Payment Calculator Search Homes for Sale Home Value Estimate Home Insurance Quote Credit Repair  About Contact About Us Yelp Reviews Local Pros Local Pros in Rowland Heights Local Pros in Arcadia Blog  Apply Shop Mortgage Options & Compare Rates for FREE! Use the quick & easy tool below to find out what you qualify for. I Want My FREE Mortgage Rate Quote! Local & Trusted Professionals in Rowland Heights... We have brought together some of the top business professionals in Rowland Heights, CA to help you with many of your real estate (and day to day life) needs. Most of the partners featured here are offering regular discounts, so be sure to check back often and take advantage of all the value! Are you a Top Notch Local Pro looking to partner up? Click Here and let’s see if there’s a fit! Featured Rowland Heights Accountant FREE Home Search FREE Home Values Victor Wu C.P.A. Victor Wu graduated from University of California, Irvine. Victor has over 10 years of experiencein the accounting and taxation profession. He was responsible in providing accounting,auditing, and tax services for closely held corporations in various industries includingmanufacturing, wholesale distribution, real estate and construction, entertainment, andnot-for profit organizations. Contact Victor! Get Your FREE Mortgage Rate Quote Now! Home Purchase Qualifier Uni First Investment Inc is your online resource for personalized mortgage solutions, fast customized quotes, great rates, & service with integrity. Social Our Contacts [email protected] 801 S. Garfield Ave #308 Alhambra, CA 91801 (626) 215-0218 Copyright ©2026 | Uni First Investment Inc |  DRE#: 01965919  NMLS #1317444 | Licensed to Do Business in the State of CA NMLS Consumer Access Portal  |  Privacy Policy  |  Site Accessibility     --> Alhambra Home Purchase Loans | Uni First Investment Inc Alhambra Toggle navigation  Apply Home Purchase Refinance Today’s Rates  Loan Options 30 Year Fixed Mortgage 15 Year Fixed Mortgage Adjustable Rate Mortgage FHA Loans VA Loans Jumbo Loans USDA Loans HARP Loans  Free Tools Pre-Approval Letter Refinance Analysis Payment Calculator Search Homes for Sale Home Value Estimate Home Insurance Quote Credit Repair  About Contact About Us Yelp Reviews Local Pros Local Pros in Rowland Heights Local Pros in Arcadia Blog  Apply Find out how much home you can afford right NOW! Know exactly what you can afford before you start searching for a home. Home Purchase Qualifier Congratulations! You're ready to buy a home Mortgage Home Purchase Loans without the Hassle! Need financing options on a home, or other real estate? Choosing a purchase loan product that matches your goals and making sure you get the best rate for your given scenario can feel like playing whack-a-mole. We’re here to make the home loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting with a FREE pre-approval letter request. We’ll help you clearly see differences between loan programs, allowing you to choose the right one for you whether you’re a first-time home buyer or a seasoned investor. The Home Purchase Loan Process Here’s how our home purchase loan process works: Complete our simple mortgage pre-approval letter request Receive options based on your unique criteria and scenario Compare mortgage interest rates and terms Choose the offer that best fits your needs Do I Qualify? To qualify for a mortgage, lenders typically require that you have a debt-to-income ratio of “43/49.” This means that no more than 43% of your total monthly income (from all sources, before taxes) can go toward your new mortgage payment, and no more than 49.99% of your monthly income can go toward your total monthly debt (including your mortgage payment). VA and FHA loans even allow for higher debt ratios on a case by case basis. Qualify Me Now! Fixed Rates Adjustable Rates (ARM) Conforming Loans Jumbo & Super Jumbo Loans FHA, VA, & USDA Loans Terms from 5 to 30 Years Get Your FREE Pre−Approval Letter Now! Home Purchase Qualifier Uni First Investment Inc is your online resource for personalized mortgage solutions, fast customized quotes, great rates, & service with integrity. Social Our Contacts [email protected] 801 S. Garfield Ave #308 Alhambra, CA 91801 (626) 215-0218 Copyright ©2026 | Uni First Investment Inc |  DRE#: 01965919  NMLS #1317444 | Licensed to Do Business in the State of CA NMLS Consumer Access Portal  |  Privacy Policy  |  Site Accessibility     --> Alhambra Mortgage Broker | Uni First Investment Inc Alhambra Toggle navigation  Apply Home Purchase Refinance Today’s Rates  Loan Options 30 Year Fixed Mortgage 15 Year Fixed Mortgage Adjustable Rate Mortgage FHA Loans VA Loans Jumbo Loans USDA Loans HARP Loans  Free Tools Pre-Approval Letter Refinance Analysis Payment Calculator Search Homes for Sale Home Value Estimate Home Insurance Quote Credit Repair  About Contact About Us Yelp Reviews Local Pros Local Pros in Rowland Heights Local Pros in Arcadia Blog  Apply FHA Loans,Refinancing,HARP Loans,Home Loans,Reverse Mtgs Shop Mortgage Options & Compare Rates for FREE! Use one of our quick & easy tools to find out what you qualify for! Home Purchase Qualifier Refinance Rate Checker Get a FREE Rate Quote Now! Get My FREE Quote! Uni First Investment Inc is your online resource for personalized mortgage solutions, fast customized quotes, great rates, & service with integrity. Social Our Contacts [email protected] 801 S. Garfield Ave #308 Alhambra, CA 91801 (626) 215-0218 Copyright ©2026 | Uni First Investment Inc |  DRE#: 01965919  NMLS #1317444 | Licensed to Do Business in the State of CA NMLS Consumer Access Portal  |  Privacy Policy  |  Site Accessibility     --> Alhambra 15 Year Fixed Rate Mortgage | Uni First Investment Inc Alhambra Toggle navigation  Apply Home Purchase Refinance Today’s Rates  Loan Options 30 Year Fixed Mortgage 15 Year Fixed Mortgage Adjustable Rate Mortgage FHA Loans VA Loans Jumbo Loans USDA Loans HARP Loans  Free Tools Pre-Approval Letter Refinance Analysis Payment Calculator Search Homes for Sale Home Value Estimate Home Insurance Quote Credit Repair  About Contact About Us Yelp Reviews Local Pros Local Pros in Rowland Heights Local Pros in Arcadia Blog  Apply 15-Year Fixed Rate Mortgage on the Cheap! Get a FREE quote on a 15-year fixed rate mortgage & save thousands of dollars per year. I Want My FREE 15-Year Fixed Rate Quote! The Lowdown on 15-Year Fixed Rate Mortgage... Our 15-Year Fixed Rates Are Low & Our Process is Quick & Painless This loan is fully amortized over a 15-year period and features constant monthly payments. It offers all the advantages of the 30-year loan, plus a lower interest rate and you’ll own your home twice as fast. The disadvantage is that, with a 15-year loan, you commit to a higher monthly payment. Many borrowers opt for a 30-year fixed-rate loan and voluntarily make larger payments that will pay off their loan in 15 years. This approach is often safer than committing to a higher monthly payment, since the difference in interest rates isn’t that great. We’re here to make the home loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting with our FREE 15-Year Fixed Rate Mortgage Qualifier. We’ll help you clearly see differences between loan programs, allowing you to choose the right one for you whether you’re a first-time home buyer or a seasoned investor. The 15-Year Fixed Rate Mortgage Loan Process Here’s how our home loan process works: Complete our simple 15-Year Fixed Rate Mortgage Qualifier Receive options based on your unique criteria and scenario Compare mortgage interest rates and terms Choose the offer that best fits your needs Do I Qualify? As a rule of thumb, it may be harder to qualify for fixed-rate loans than for adjustable rate loans. When interest rates are low, fixed-rate loans are generally not that much more expensive than adjustable-rate mortgages and may be a better deal in the long run, because you can lock in the rate for the life of your loan. 15-Year Fixed Rate Qualifier! Fixed Rates Adjustable Rates (ARM) Conforming Loans Jumbo & Super Jumbo Loans FHA, VA, & USDA Loans Terms from 5 to 30 Years I Want My FREE 15−Year Fixed Rate Quote! I Want My FREE 15−Year Fixed Rate Quote! Uni First Investment Inc is your online resource for personalized mortgage solutions, fast customized quotes, great rates, & service with integrity. Social Our Contacts [email protected] 801 S. Garfield Ave #308 Alhambra, CA 91801 (626) 215-0218 Copyright ©2026 | Uni First Investment Inc |  DRE#: 01965919  NMLS #1317444 | Licensed to Do Business in the State of CA NMLS Consumer Access Portal  |  Privacy Policy  |  Site Accessibility     --> Alhambra HARP Loans | Uni First Investment Inc Alhambra Toggle navigation  Apply Home Purchase Refinance Today’s Rates  Loan Options 30 Year Fixed Mortgage 15 Year Fixed Mortgage Adjustable Rate Mortgage FHA Loans VA Loans Jumbo Loans USDA Loans HARP Loans  Free Tools Pre-Approval Letter Refinance Analysis Payment Calculator Search Homes for Sale Home Value Estimate Home Insurance Quote Credit Repair  About Contact About Us Yelp Reviews Local Pros Local Pros in Rowland Heights Local Pros in Arcadia Blog  Apply A HARP Loan Can Keep Your Mortgage Afloat! Get a FREE quote on a HARP Loan & save thousands of dollars per year. I Want My FREE HARP Loan Quote! The Lowdown on HARP Loans... Our HARP Loan Rates Are Low & Our Process is Quick & Painless The Home Affordable Refinance Program (HARP) is a federal program of the United States, set up by the Federal Housing Finance Agency in March 2009, to help underwater and near-underwater homeowners refinance their mortgages. We’re here to make the HARP loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting with our FREE HARP Loan Qualifier. We’ll help you clearly see differences between HARP loan options, allowing you to choose the right one for you. The HARP Loan Process Here’s how our home loan process works: Complete our simple HARP Loan Qualifier Receive options based on your unique criteria and scenario Compare mortgage interest rates and terms Choose the offer that best fits your needs Why a HARP Loan? If you’re underwater on your conforming, conventional mortgage, you may be eligible to refinance without paying down principal, and without having to pay mortgage insurance. HARP Loan Qualifier! Fixed Rates Adjustable Rates (ARM) Keep Your Home Terms from 5 to 30 Years Get Your FREE HARP Loan Quote Now! I Want My FREE HARP Loan Quote! Uni First Investment Inc is your online resource for personalized mortgage solutions, fast customized quotes, great rates, & service with integrity. Social Our Contacts [email protected] 801 S. Garfield Ave #308 Alhambra, CA 91801 (626) 215-0218 Copyright ©2026 | Uni First Investment Inc |  DRE#: 01965919  NMLS #1317444 | Licensed to Do Business in the State of CA NMLS Consumer Access Portal  |  Privacy Policy  |  Site Accessibility     --> Mortgage Blog | Alhambra Mortgage Broker | Uni First Investment Inc Alhambra Toggle navigation  Apply Home Purchase Refinance Today’s Rates  Loan Options 30 Year Fixed Mortgage 15 Year Fixed Mortgage Adjustable Rate Mortgage FHA Loans VA Loans Jumbo Loans USDA Loans HARP Loans  Free Tools Pre-Approval Letter Refinance Analysis Payment Calculator Search Homes for Sale Home Value Estimate Home Insurance Quote Credit Repair  About Contact About Us Yelp Reviews Local Pros Local Pros in Rowland Heights Local Pros in Arcadia Blog  Apply --> Latest Articles 3 Jun 2021 HOUSING TRENDS FOR 2020: WHAT WE EXPECT Yet another year—and another decade—is coming to a close, and we once again look ahead to what’s in store in the new year. It’s safe to say that 2019 threw the housing market for a loop, as interest rates dropped to all-time lows even though most in the industry predicted an increase. So what does 2020 […] Share on Facebook Share on Twitter --> 3 Jun 2021 THE FORECLOSURE PROCESS: WHAT YOU SHOULD KNOW No one wants to think that there may come a time when they cannot afford to pay their mortgage, but it does happen. Though foreclosure rates across the board are vastly better than they were in the years immediately following the 2008 market collapse, foreclosures are nevertheless a constant presence. If you find yourself facing foreclosure, there […] Share on Facebook Share on Twitter --> 3 Jun 2021 SMART HOMES IN TODAY’S MARKET: PROS AND CONS There are lots of “smart” products on the market today, not the least of which is a large selection of smart home products. From doorbells to lightbulbs to whole-house control systems, consumers have many options to choose from. When it comes to the real estate market, smart home products are now sought-after by some buyers, […] Share on Facebook Share on Twitter --> 3 Jun 2021 BUILDING WEALTH: OWNING VS RENTING YOUR HOME Many people view homeownership as a key component in building wealth for retirement. Most experts believe there is a direct correlation between owning a home and building a greater net worth than those who rent. However, there are always two sides to a story. This is no different. Not everyone agrees that there is a […] Share on Facebook Share on Twitter --> 3 Jun 2021 WHAT YOU NEED TO KNOW ABOUT EARTHQUAKES AND YOUR HOME In light of the most recent earthquakes to hit California—the 6.4-magnitude Searles Valley Quake and its more than 200 aftershocks—it is important to get a refresher on how to protect yourself and your home in the event of an earthquake near you. Earthquakes and Building Codes Given the frequency with which earthquakes tend to happen in California, […] Share on Facebook Share on Twitter --> 1 2 3 4 5 6 7 8 Search Topics Archive Select Topic 2019 HOUSING MARKET AFFORDABLE HOUSING IN SOUTHERN CALIFORNIA AVERAGE HOUSE SIZE BELL GARDENS BELL GARDENS PROPERTY VALUE BEST HOME RENOVATION BEST HOME RENOVATIONS BRIDGE LOAN BUDGET BUILDER FINANCING BUILDING ORDINANCES IN FIRE AREAS BUILDING WEALTH BUYERS REMORSE BUYING FIRST HOME BUYING HOUSE CA HOUSING MARKET CA MORTGAGE BROKER CALIFORNIA FORECLOSURE CALIFORNIA HOUSING MARKET CALIFORNIA MORTGAGE BROKER CALIFORNIA WILDFIRES CASH FLOW CASTAIC CHANGES IN REAL ESTATE INDUSTRY CHARGERS CHOOSING A NEIGHBORHOOD CONVENTIONAL LOAN CREDIT REPAIR CREDIT SCORE DEBT DIY MAINTENANCE DROP IN INTEREST RATE EARTHQUAKE INSURANCE EARTHQUAKE PROTECTION EARTHQUAKES EAST LOS ANGELES EMERGENCY FUND ENERGY STAR EXISTING HOME FEDERAL RESERVE FHA LOAN FINANCING FINANCING A FLIP FINANCING AN INVESTMENT HOUSE FINANCING HOME RENOVATIONS FINANCING INVESTMENT PROPERTIES FINANCING NEW CONSTRUCTION FINANCING RENTAL PROPERTIES FIRST HOUSE FIRST-TIME HOME BUYERS FLIPPING A HOUSE FLIPPING HOUSE FOR PROFIT FORECLOSURE FORECLOSURE PROCESS FRAUD TIPS GARBAGE DISPOSAL GETTING OUT OF DEBT GLASSELL PARK GLASSELL PARK CA GREAT PLACES TO LIVE LOS ANGELES GROWING MARKETS HARD MONEY HARP HARP EXPIRING HAWTHORNE HELOC HIGHLAND PARK HIGHLAND PARK CA HOME HOME AUTOMATION HOME EQUITY HOME FINANCING HOME INSPECTOR HOME INSULATION HOME LOAN HOME LOANS 2019 HOME MAINTENANCE HOME MAINTENANCE PROJECTS HOME OWNER EXPENSES HOME RENOVATIONS HOME REPAIR HOT MARKET HOT REAL ESTATE MARKET HOUSE BUDGET HOUSE EXPENSES HOUSING BUBBLE HOUSING BUBBLES HOUSING FINANCING HOUSING MARKET CRASH 2008 HOUSING MARKET PREDICTIONS HOUSING MARKETS HOUSING TRENDS HOUSING TRENDS IN 2020 HOW TO CHANGE A LIGHT FIXTURE HOW TO STOP FORECLOSURE IMPROVE CREDIT INCOME PROPERTY INGLEWOOD INGLEWOOD DEVELOPMENT INGLEWOOD HOUSING MARKET INTEREST RATES INTERNATIONAL HOUSING MARKET INTERNATIONAL HOUSING MARKET COMPARISON INTERNATIONAL MARKETS INVESTMENT INVESTMENT PROPERTY INVESTMENT PROPERTY IN LA INVESTMENT PROPERTY TIPS INVESTMENT STRATEGY KIDS AND MOVING LA COST OF LIVING LA HOME VALUE LA LOW CRIME LA NEIGHBORHOOD LA NEIGHBORHOODS LA SAFETY LA SUBURB LEAVING CALIFORNIA AFTER FIRES LESS MONEY DOWN LIFE CHANGE LONG-TERM LOS ANGELES LOS ANGELES NEIGHBORHOOD LOW INTEREST RATE LOWER HOME EXPENSES LOWER UTILITY BILLS MAKING A NEW PLACE FEEL LIKE HOME MANAGING CASH FLOW MANAGING EXPECTATIONS MAXIMIZING RENTAL INCOME MEDIAN ANNUAL RENT MEDIAN HOME PRICE METRO GOLD LINE MILLENNIAL CHALLENGES MILLENNIAL PREFERENCES MILLENNIALS AND BUYING FIRST HOUSE MILLENNIALS AND RENTING MILLENNIALS BUYING FIRST HOUSE MILLENNIALS BUYING HOUSES MISTAKES IN FLIPPING MONROVIA COST OF LIVING MONROVIA MONROVIA CA MORTGAGE MORTGAGE BROKER MORTGAGE BROKER LOS ANGELES MORTGAGE INTEREST RATE MORTGAGE LENDER MORTGAGE LOAN MORTGAGE OPTIONS NEIGHBORHOOD NEW CONSTRUCTION NEW HOME ADVICE NEW HOME VALUE NEW WAY TO BUY HOUSE NFL DEVELOPMENT NO-FEE MORTGAGE ONLINE REAL ESTATE PLATFORMS OWNING VS RENTING PETS AND MOVING PREVENTING WIRE FRAUD PRICE POINT PRICE-TO-RENT RATIO PRIVATE CAPITAL PROPERTY DAMAGE PROPERTY FINANCE PROPERTY INSPECTOR PROPERTY INVESTMENT TEAM PROTECTING FROM FRAUD PROTECTING MY HOME FROM AN EARTHQUAKE RAMS REAL ESTATE REAL ESTATE ADVICE REAL ESTATE AUCTION REAL ESTATE FINANCING REAL ESTATE FRAUD REBUILDING AFTER WILDFIRES REFINANCE REFINANCING RELOCATING RENOVATION RENTAL RENTAL INCOME RENTAL RENTAL PROPERTY RENTING AND SAVINGS REPAIR FINANCING SAN DIEGO SAN GABRIEL SAN GABRIEL MOUNTAINS SAVE MONEY SAVING FOR A HOUSE SAVING FOR A MORTGAGE SELLING HOUSE ONLINE SMART HOME SMART HOME TECHNOLOGY SMART HOMES SOCAL TOWNS SOUTHERN CALIFORNIA REAL ESTATE STARTING AN EMERGENCY FUND SUCCESSFUL FLIP SUDDEN INTEREST RATE CHANGE TAYLOR YARD TECHNOLOGY BUYERS WANT TIME FRAME TIMEFRAME TO BUILD NEW HOUSE TIPS TO TIPS TO BUY FIRST HOUSE TIPS TO REDUCE DEBT FASTER TOP LA SUBURBS TYPE OF HOME LOAN TYPE OF MORTGAGE TYPES UNDERWATER MORTGAGE UNI UNI FIRST UNI FIRST INVESTMENT UNI FIRST INVESTMENT WEALTH-BUILDING UNIFIRST UNIFIRST INVESTMENT UP AND COMING UP AND COMING NEIGHBORHOOD US AND EUROPE HOUSING MARKETS USING A REALTOR FOR A FLIP WHAT TO LOOK FOR IN RENTAL PROPERTY WHERE TO FIND INVESTMENT PROPERTY IN LA WIRE FRAUD WORLDWIDE HOME SIZES --> Select Month June 2021 Uni First Investment Inc is your online resource for personalized mortgage solutions, fast customized quotes, great rates, & service with integrity. Social Our Contacts [email protected] 801 S. Garfield Ave #308 Alhambra, CA 91801 (626) 215-0218 Copyright ©2026 | Uni First Investment Inc |  DRE#: 01965919  NMLS #1317444 | Licensed to Do Business in the State of CA NMLS Consumer Access Portal  |  Privacy Policy  |  Site Accessibility     --> Alhambra Mortgage Application Center | Uni First Investment Inc Alhambra Toggle navigation  Apply Home Purchase Refinance Today’s Rates  Loan Options 30 Year Fixed Mortgage 15 Year Fixed Mortgage Adjustable Rate Mortgage FHA Loans VA Loans Jumbo Loans USDA Loans HARP Loans  Free Tools Pre-Approval Letter Refinance Analysis Payment Calculator Search Homes for Sale Home Value Estimate Home Insurance Quote Credit Repair  About Contact About Us Yelp Reviews Local Pros Local Pros in Rowland Heights Local Pros in Arcadia Blog  Apply Apply for a Mortgage Online in Minutes! Use our FREE, secure, online loan application to jump-start the loan process and lock in a low mortgage rate in just 10 minutes! Apply Online Right Now! Full & Secure Online Mortgage Loan Application Click Apply Now to begin your loan application. As you complete the application, please use your best estimate if documentation is not available. After you have finished we will contact you to: Guide you through the loan process Complete your loan application package Help you select the best program and interest rate Documentation Needed for All Borrowers Includes: Social Security Number Contact & Employment Information Best Estimates of Income, Assets, & Liabilities Apply Now! Not Ready to Apply Yet? Get a FREE Mortgage Rate Quote! Uni First Investment Inc is your online resource for personalized mortgage solutions, fast customized quotes, great rates, & service with integrity. Social Our Contacts [email protected] 801 S. Garfield Ave #308 Alhambra, CA 91801 (626) 215-0218 Copyright ©2026 | Uni First Investment Inc |  DRE#: 01965919  NMLS #1317444 | Licensed to Do Business in the State of CA NMLS Consumer Access Portal  |  Privacy Policy  |  Site Accessibility     --> Local Pros in Arcadia | Uni First Investment Inc Alhambra Toggle navigation  Apply Home Purchase Refinance Today’s Rates  Loan Options 30 Year Fixed Mortgage 15 Year Fixed Mortgage Adjustable Rate Mortgage FHA Loans VA Loans Jumbo Loans USDA Loans HARP Loans  Free Tools Pre-Approval Letter Refinance Analysis Payment Calculator Search Homes for Sale Home Value Estimate Home Insurance Quote Credit Repair  About Contact About Us Yelp Reviews Local Pros Local Pros in Rowland Heights Local Pros in Arcadia Blog  Apply Shop Mortgage Options & Compare Rates for FREE! Use the quick & easy tool below to find out what you qualify for. I Want My FREE Mortgage Rate Quote! Local & Trusted Professionals in Arcadia... Featured Arcadia Insurance Agent FREE Home Search FREE Home Values Chris Loo Insurance Agent ACCESS Insurance Services, Inc. Chris Loo graduated from University of California, Irvine for undergraduate and Cal State Fullerton for graduate school. Chris has over 11 years of experience as an insurance professional. Provides services for personal and commercial insurance. Speaks English and conversation in Cantonese. Contact Chris! Get Your FREE Mortgage Rate Quote Now! Home Purchase Qualifier Uni First Investment Inc is your online resource for personalized mortgage solutions, fast customized quotes, great rates, & service with integrity. Social Our Contacts [email protected] 801 S. Garfield Ave #308 Alhambra, CA 91801 (626) 215-0218 Copyright ©2026 | Uni First Investment Inc |  DRE#: 01965919  NMLS #1317444 | Licensed to Do Business in the State of CA NMLS Consumer Access Portal  |  Privacy Policy  |  Site Accessibility     --> Home Refinance | Refinance a Home in Alhambra | Uni First Investment Inc Alhambra Toggle navigation  Apply Home Purchase Refinance Today’s Rates  Loan Options 30 Year Fixed Mortgage 15 Year Fixed Mortgage Adjustable Rate Mortgage FHA Loans VA Loans Jumbo Loans USDA Loans HARP Loans  Free Tools Pre-Approval Letter Refinance Analysis Payment Calculator Search Homes for Sale Home Value Estimate Home Insurance Quote Credit Repair  About Contact About Us Yelp Reviews Local Pros Local Pros in Rowland Heights Local Pros in Arcadia Blog  Apply Lower your rate and monthly payment right NOW! Get a FREE quote on a home refinance that could save you thousands of dollars per year. Refinance Rate Checker Congratulations! You're ready to refinance your home loan Home Refinance Loans without the Hassle! Need refinancing options on a home, or other real estate? Choosing a refinance product that matches your goals and making sure you get the best rate for your given scenario can feel like playing whack-a-mole. We’re here to make the home refinance process a whole lot easier, with tools and expertise that will help guide you along the way, starting with a FREE refinance analysis request. We’ll help you clearly see differences between loan programs, allowing you to choose the right one for you whether this is your first refinance or 7th. The Home Refinance Process Here’s how our home refinance process works: Complete our simple home refinance analysis request Receive options based on your unique criteria and scenario Compare mortgage interest rates and terms Choose the offer that best fits your needs Why Refinance? Refinancing is the process of paying off your existing mortgage with a new mortgage. Typically, you refinance your mortgage to reduce your interest rate and monthly payment or change the length (or term) of your mortgage. You may also refinance to take cash out from your home’s equity. Show Me the Money! Fixed Rates Adjustable Rates (ARM) Conforming Loans Jumbo & Super Jumbo Loans FHA, VA, & USDA Loans Terms from 5 to 30 Years Get Your FREE Refinance Analysis Now! Refinance Rate Checker Uni First Investment Inc is your online resource for personalized mortgage solutions, fast customized quotes, great rates, & service with integrity. Social Our Contacts [email protected] 801 S. Garfield Ave #308 Alhambra, CA 91801 (626) 215-0218 Copyright ©2026 | Uni First Investment Inc |  DRE#: 01965919  NMLS #1317444 | Licensed to Do Business in the State of CA NMLS Consumer Access Portal  |  Privacy Policy  |  Site Accessibility     --> Contact - Alhambra Mortgage Broker | Uni First Investment Inc Alhambra Toggle navigation  Apply Home Purchase Refinance Today’s Rates  Loan Options 30 Year Fixed Mortgage 15 Year Fixed Mortgage Adjustable Rate Mortgage FHA Loans VA Loans Jumbo Loans USDA Loans HARP Loans  Free Tools Pre-Approval Letter Refinance Analysis Payment Calculator Search Homes for Sale Home Value Estimate Home Insurance Quote Credit Repair  About Contact About Us Yelp Reviews Local Pros Local Pros in Rowland Heights Local Pros in Arcadia Blog  Apply Shop Mortgage Options & Compare Rates for FREE! Use the quick & easy tool below to find out what you qualify for. I Want My FREE Mortgage Rate Quote! A Variety of Ways to Get in Touch... Contact Us! [email protected] 801 S. Garfield Ave #308 Alhambra, CA 91801 (626) 215-0218 | (626) 940-5919 Get Your FREE Mortgage Rate Quote Now! I Want My FREE Mortgage Rate Quote! Uni First Investment Inc is your online resource for personalized mortgage solutions, fast customized quotes, great rates, & service with integrity. Social Our Contacts [email protected] 801 S. Garfield Ave #308 Alhambra, CA 91801 (626) 215-0218 Copyright ©2026 | Uni First Investment Inc |  DRE#: 01965919  NMLS #1317444 | Licensed to Do Business in the State of CA NMLS Consumer Access Portal  |  Privacy Policy  |  Site Accessibility     --> Alhambra VA Loans | Uni First Investment Inc Alhambra Toggle navigation  Apply Home Purchase Refinance Today’s Rates  Loan Options 30 Year Fixed Mortgage 15 Year Fixed Mortgage Adjustable Rate Mortgage FHA Loans VA Loans Jumbo Loans USDA Loans HARP Loans  Free Tools Pre-Approval Letter Refinance Analysis Payment Calculator Search Homes for Sale Home Value Estimate Home Insurance Quote Credit Repair  About Contact About Us Yelp Reviews Local Pros Local Pros in Rowland Heights Local Pros in Arcadia Blog  Apply VA Loans on the Cheap! Get a FREE quote on a VA Loan & save thousands of dollars per year. I Want My FREE VA Loan Quote! The Lowdown on VA Loans... Our VA Loan Rates Are Low & Our Process is Quick & Painless A VA loan is a mortgage loan in the United States guaranteed by the U.S. Department of Veterans Affairs (VA). The loan may be issued by qualified lenders. The VA loan was designed to offer long-term financing to eligible American veterans or their surviving spouses (provided they do not remarry). We’re here to make the VA home loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting with our FREE VA Loan Qualifier. We’ll help you clearly see differences between loan programs, allowing you to choose the right one for you whether you’re a first-time home buyer or a seasoned investor. The VA Loan Process Here’s how our home loan process works: Complete our simple VA Loan Qualifier Receive options based on your unique criteria and scenario Compare mortgage interest rates and terms Choose the offer that best fits your needs Why a VA Loan? There are many benefits, as taken directly from the Veterans Affairs site: no down payment required (unless required by the lender or the purchase price is more than the reasonable value of the property); buyer informed of reasonable value; negotiable interest rate… and more. VA Loan Qualifier! Fixed Rates Adjustable Rates (ARM) Low Down Payments Jumbo & Super Jumbo Loans Terms from 5 to 30 Years Get Your FREE VA Loan Quote Now! I Want My FREE VA Loan Quote! Uni First Investment Inc is your online resource for personalized mortgage solutions, fast customized quotes, great rates, & service with integrity. Social Our Contacts [email protected] 801 S. Garfield Ave #308 Alhambra, CA 91801 (626) 215-0218 Copyright ©2026 | Uni First Investment Inc |  DRE#: 01965919  NMLS #1317444 | Licensed to Do Business in the State of CA NMLS Consumer Access Portal  |  Privacy Policy  |  Site Accessibility     --> Alhambra USDA Loans | Uni First Investment Inc Alhambra Toggle navigation  Apply Home Purchase Refinance Today’s Rates  Loan Options 30 Year Fixed Mortgage 15 Year Fixed Mortgage Adjustable Rate Mortgage FHA Loans VA Loans Jumbo Loans USDA Loans HARP Loans  Free Tools Pre-Approval Letter Refinance Analysis Payment Calculator Search Homes for Sale Home Value Estimate Home Insurance Quote Credit Repair  About Contact About Us Yelp Reviews Local Pros Local Pros in Rowland Heights Local Pros in Arcadia Blog  Apply USDA Loans on the Cheap! Get a FREE quote on a USDA Loan & save thousands of dollars per year. I Want My FREE USDA Loan Quote! The Lowdown on USDA Loans... Our USDA Loan Rates Are Low & Our Process is Quick & Painless The United States Department of Agriculture (USDA) gives out a variety of loans to help low- or moderate-income people buy, repair or renovate a home in a rural area. Some of the popular types of loans are: the single family direct homeownership loan, the single family guaranteed homeownership loan, the rural repair and rehabilitation loan or grant and the mutual self-help loan. This guide will help you figure out what these loans are and whether you qualify. Though the terms and details of these loans differ, all offer very low effective interest rates (some are as low as 1 percent) and don’t require a cash down payment. To qualify, you need to have a decent credit history. We’re here to make the USDA home loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting with our FREE USDA Loan Qualifier. We’ll help you clearly see differences between loan programs, allowing you to choose the right one for you whether you’re a first-time home buyer or a seasoned investor. The USDA Loan Process Here’s how our home loan process works: Complete our simple USDA Loan Qualifier Receive options based on your unique criteria and scenario Compare mortgage interest rates and terms Choose the offer that best fits your needs Why a USDA Loan? There are many benefits, including: no down payment required; borrowers who qualify for a USDA Rural Development home loan have the flexibility to pay nothing out of pocket for a down payment. Additionally, the USDA Loan allows borrowers to use a gift or grant to go toward their mortgage. USDA Loan Qualifier! Fixed Rates Adjustable Rates (ARM) Low Mortgage Insurance No Loan Limits Terms from 5 to 30 Years Get Your FREE USDA Loan Quote Now! I Want My FREE USDA Loan Quote! Uni First Investment Inc is your online resource for personalized mortgage solutions, fast customized quotes, great rates, & service with integrity. Social Our Contacts [email protected] 801 S. Garfield Ave #308 Alhambra, CA 91801 (626) 215-0218 Copyright ©2026 | Uni First Investment Inc |  DRE#: 01965919  NMLS #1317444 | Licensed to Do Business in the State of CA NMLS Consumer Access Portal  |  Privacy Policy  |  Site Accessibility     --> Alhambra Adjustable Rate Mortgages | Uni First Investment Inc Alhambra Toggle navigation  Apply Home Purchase Refinance Today’s Rates  Loan Options 30 Year Fixed Mortgage 15 Year Fixed Mortgage Adjustable Rate Mortgage FHA Loans VA Loans Jumbo Loans USDA Loans HARP Loans  Free Tools Pre-Approval Letter Refinance Analysis Payment Calculator Search Homes for Sale Home Value Estimate Home Insurance Quote Credit Repair  About Contact About Us Yelp Reviews Local Pros Local Pros in Rowland Heights Local Pros in Arcadia Blog  Apply Adjustable Rate Mortgages on the Cheap! Get a FREE quote on an ARM & save thousands of dollars per year. I Want My FREE Adjustable Rate Mortgage Quote! The Lowdown on Adjustable Rate Mortgages... Our Adjustable Rates Are Low & Our Process is Quick & Painless An ARM is an Adjustable Rate Mortgage. Unlike fixed rate mortgages that have an interest rate that remains the same for the life of the loan, the interest rate on an ARM will change periodically. The initial interest rate of an ARM is lower then that of a fixed rate mortgage, consequently, an ARM maybe a good option to consider if you plan to own your home for only a few years; you expect an increase in future earnings; or, the prevailing interest rate for a fixed mortgage is to high. We’re here to make it a whole lot easier, with tools and expertise that will help guide you along the way, starting with our FREE Adjustable Rate Mortgage Qualifier. We’ll help you clearly see differences between loan programs, allowing you to choose the right one for you whether you’re a first-time home buyer or a seasoned investor. The Adjustable Rate Mortgage Loan Process Here’s how our home loan process works: Complete our simple Adjustable Rate Mortgage Qualifier Receive options based on your unique criteria and scenario Compare mortgage interest rates and terms Choose the offer that best fits your needs Do I Qualify? Most homeowners get into adjustable-rate mortgages for the lower initial payment, and then usually refinance the loan when the fixed period ends. At that time, the interest rate becomes variable, or adjustable, and the homeowner would likely refinance into another ARM, something fixed, or sell the home outright. Adjustable Rate Mortgage Qualifier! Fixed Rates Adjustable Rates (ARM) Conforming Loans Jumbo & Super Jumbo Loans FHA, VA, & USDA Loans Terms from 5 to 30 Years Get Your FREE Adjustable Rate Mortgage Quote Now! I Want My FREE Adjustable Rate Mortgage Quote! Uni First Investment Inc is your online resource for personalized mortgage solutions, fast customized quotes, great rates, & service with integrity. Social Our Contacts [email protected] 801 S. Garfield Ave #308 Alhambra, CA 91801 (626) 215-0218 Copyright ©2026 | Uni First Investment Inc |  DRE#: 01965919  NMLS #1317444 | Licensed to Do Business in the State of CA NMLS Consumer Access Portal  |  Privacy Policy  |  Site Accessibility     --> Alhambra 30 Year Fixed Rate Mortgage | Uni First Investment Inc Alhambra Toggle navigation  Apply Home Purchase Refinance Today’s Rates  Loan Options 30 Year Fixed Mortgage 15 Year Fixed Mortgage Adjustable Rate Mortgage FHA Loans VA Loans Jumbo Loans USDA Loans HARP Loans  Free Tools Pre-Approval Letter Refinance Analysis Payment Calculator Search Homes for Sale Home Value Estimate Home Insurance Quote Credit Repair  About Contact About Us Yelp Reviews Local Pros Local Pros in Rowland Heights Local Pros in Arcadia Blog  Apply 30-Year Fixed Rate Mortgage on the Cheap! Get a FREE quote on a 30-year fixed rate mortgage & save thousands of dollars per year. I Want My FREE 30-Year Fixed Rate Quote! The Lowdown on 30 Year Fixed Rate Mortgage... Our 30-Year Fixed Rates Are Low & Our Process is Quick & Painless The traditional 30-year fixed-rate mortgage has a constant interest rate and monthly payments that never change. This may be a good choice if you plan to stay in your home for seven years or longer. If you plan to move within seven years, then stable-rate loans are usually cheaper. We’re here to make the home loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting with our FREE 30-Year Fixed Rate Mortgage Qualifier. We’ll help you clearly see differences between loan programs, allowing you to choose the right one for you whether you’re a first-time home buyer or a seasoned investor. The 30-Year Fixed Rate Mortgage Loan Process Here’s how our home loan process works: Complete our simple 30-Year Fixed Rate Mortgage Qualifier Receive options based on your unique criteria and scenario Compare mortgage interest rates and terms Choose the offer that best fits your needs Do I Qualify? As a rule of thumb, it may be harder to qualify for fixed-rate loans than for adjustable rate loans. When interest rates are low, fixed-rate loans are generally not that much more expensive than adjustable-rate mortgages and may be a better deal in the long run, because you can lock in the rate for the life of your loan. 30-Year Fixed Rate Qualifier! Fixed Rates Adjustable Rates (ARM) Conforming Loans Jumbo & Super Jumbo Loans FHA, VA, & USDA Loans Terms from 5 to 30 Years Get Your FREE 30−Year Fixed Rate Quote Now! I Want My FREE 30-Year Fixed Rate Quote! Uni First Investment Inc is your online resource for personalized mortgage solutions, fast customized quotes, great rates, & service with integrity. Social Our Contacts [email protected] 801 S. Garfield Ave #308 Alhambra, CA 91801 (626) 215-0218 Copyright ©2026 | Uni First Investment Inc |  DRE#: 01965919  NMLS #1317444 | Licensed to Do Business in the State of CA NMLS Consumer Access Portal  |  Privacy Policy  |  Site Accessibility     --> Alhambra Mortgage Payment Calculator | Uni First Investment Inc Alhambra Toggle navigation  Apply Home Purchase Refinance Today’s Rates  Loan Options 30 Year Fixed Mortgage 15 Year Fixed Mortgage Adjustable Rate Mortgage FHA Loans VA Loans Jumbo Loans USDA Loans HARP Loans  Free Tools Pre-Approval Letter Refinance Analysis Payment Calculator Search Homes for Sale Home Value Estimate Home Insurance Quote Credit Repair  About Contact About Us Yelp Reviews Local Pros Local Pros in Rowland Heights Local Pros in Arcadia Blog  Apply Uni First Investment Inc is your online resource for personalized mortgage solutions, fast customized quotes, great rates, & service with integrity. Social Our Contacts [email protected] 801 S. Garfield Ave #308 Alhambra, CA 91801 (626) 215-0218 Copyright ©2026 | Uni First Investment Inc |  DRE#: 01965919  NMLS #1317444 | Licensed to Do Business in the State of CA NMLS Consumer Access Portal  |  Privacy Policy  |  Site Accessibility