Listings

Selling-3.99%

Flat Fee Programs

Buying-Up to 50% Rebate

NST Mortgage

MTA Option ARM

Resources

NST Enterprises

NST Notary

NST Travels

NST Online Partners

About

Kim Nguyen, Broker
NST Realty & Mortgage
2277 Woodbury Court
San Jose, CA 95121-3226
Office Phone: (408) 274-6293
Fax: (408) 317-9524
Cell Phone: (408) 891-8271

Committed to "Customer for Life" Principal of Doing Business! 

Welcome to NST Realty & Mortgage.  Your Best Interest Is Our Top Priority.  Referrals From Previous Clients Are Key to Our Success. 

 

BUYING & SELLING Real Estate MetroList Logo

We cover your real estate needs in northern California including the counties of Santa Clara, Alameda, Merced, Placer, San Joaquin, San Mateo, Sacramento, Stanilaus and El Dorado.    

 LISTING

 3.99% (Includes Buyer's Agent/Broker Commission)

 BUYING

 Up to 50% of Our Commission Back to You

 MLS ENTRY

 Low Flat Fee $395 (Coverage Limited.  See Above)

MORTGAGE - Purchase, Refinance, Home Equity, Line of Credit

  • Our rates combined with unsurpassed service/quality + lowest overall fees possible are ones of the best in the industry.

    APPLY NOW!

    Mortgage rates rising! Lock in your rate now!


 Rate*

 Point

 APR


Last update:  01/17/12 10:10am *subject to change - call to inquire

30-yr Conf

3.75%

 0

 3.752%


Rates+fees best in the industry. 

15-yr Conf

 3.125%

 0

 3.129%


* Inquire about no cost program.

7/1 LIBOR ARM Conf

 2.875%

 0

 2.877%

 

Call for program incentives/specials. 

5/1 LIBOR ARM Conf

 2.75%

  0

 2.808%

 

* Excellent for short term ownership or early payoff. 

30-yr Super Conf

 3.875%

  0

 3.877% 

 

 Super Conf < $625K, for CLTV < 60%.  For higher CLTV, please inquire. 

 7/1 ARM Jumbo

    4%

 0

 4.032%    Jumbo < $1M, for CLTV < 60%.  For $1M-$1.5M, please inquire.

Home Equity Line of Credit

 As Low As 2.99%

 0

N/A

 

Up to $250K.  Low broker fee.  No lender/escrow cost.  Assumptions apply.    

*Assumptions.  For files approved, ready to lock rates.  Rate/fees may vary for different loan amounts.  Pay discount points to reduce rates further. Call for interest-only programs.  Incentives are subject to change any time and valid on day of rate lock only. Home equity line of credit, primary residence only, with combined loan to value < 75%. 

Assumptions:  740+ FICO, owner-occupied single family primary or secondary residence, full doc, debt-to-income < 40%, impound setup, no secondary subordination. No prepayment penalty.  .  Higher rates/fees apply for > 75% LTV and investment properties.  Other requirements may apply.


GUARANTEED:  Check out our Good Faith Estimate and Truth In Lending.  Assumptions Apply.  Show us any lenders Good Faith Estimate in writing and we will attempt to MATCH or BEAT them! Note: If you do not get a Good Faith Estimate from your broker or direct lender, do not do business with them! By law they have THREE (3) days to send one in writing to you upon your submittal of a loan application.  NST REALTY & MORTGAGE never changes your rate at closing or surprises you with extra fees at the last minute. 

Estimated Total Closing Cost includes lender fees, broker fees, title/escrow and other third-party fees, and does not include discount points, taxes, insurance, prepaid interest and unpaid accrued interest due from Borrower(s) to be paid at closing.

 

THANK YOU FOR YOUR BUSINESS AND REFERRALS! 


Check these organizations for housing data
 
Supply of for-sale homes Foreclosure rates
• National, state and local Realtor associations • Federal Reserve Bank of New York
Median home prices Residential construction starts
• National, state and local Realtor associations • U.S. Census Bureau
Volume of homes sold Residential building permits
• National, state and local Realtor associations • U.S. Census Bureau
Employment and unemployment rates Homeownership and housing vacancy rates
• U.S. Bureau of Labor Statistics • U.S. Census Bureau
 

California Real Estate Broker License 01452604. 

California Notary Public Commission Number 1600620.  NSA and 123Notary -Certified.  Notary-Services Certified Loan Document Signer.

PLEASE TAKE A MOMENT TO SIGN OUR WEBSITE GUEST BOOK.  THANK YOU.

 

 
 
WSJ.com: Economy

Greece to Cut Public-Sector Jobs - 1 hour ago
Greece has agreed to lay off 15,000 public-sector workers by the end of 2012, as international pressure mounts on Athens to agree on austerity measures needed to secure major new debt agreements.
Budget Plan Has Familiar Ring - 6 minutes ago
Obama will release a familiar budget plan next week, calling for $3 trillion in deficit reductions over 10 years, including $1.5 trillion in tax increases to fall mostly on the wealthiest Americans.
Some Europe Banks Shun ECB Loans - 12 minutes ago
The lenders are fearful of being perceived as bailout recipients that could subject them to potential political or regulatory interference.
U.K. Retail Sales Drop - 1 hour ago
Retail sales in U.K. stores that have been open for at least a year fell in January, and at the second-fastest rate for the first month of the year since records began in 1995, according to the British Retail Consortium's monthly survey.
German Manufacturing Orders Up - 43 minutes ago
German manufacturing orders rose more than expected in December, driven by a surge in demand from outside the euro zone, in the latest sign that Europe's largest economy may yet avoid recession.