Email:  frank@stanfordprofessional.com

Frank Ruan Ph.D., Broker
(Ph.D.:  UCSF School of Medicine)
美國著名的加州大學博士
畢業于中國協和醫科大学

650-400-0085  
frank@stanfordprofessional.com
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Blog: Mortgage Information

Which ARM is the Best Alternative?

How would you like a mortgage loan where you did not have to make the whole payment if you did not want to? Or would you like a loan with an interest rate about 1% below a thirty-year fixed rate mortgage and pay zero points? Or a loan where you did not ha... Read more

WHAT’S A FICO®?

What is a FICO® Score? FICO® stands for Fair Isaac & Company and is the name for the most well known credit scoring system, used by Experian. The credit bureau’s computer evaluates a complete credit profile and assigns a score, which is... Read more

Types of Mortgage Lenders

Mortgage Bankers Mortgage Bankers are lenders that are large enough to originate loans and create pools of loans, which are then sold directly to Fannie Mae, Freddie Mac, Ginnie Mae, jumbo loan investors, and others. Any company that does this is conside... Read more

Land Contract

An alternative to a non-conforming loan is the use of a land contract, which is allowed in some states. A land contract is an agreement between a buyer and a seller, where the buyer agrees to make periodic payments to the seller. The title to the property... Read more

FICO® Scores and Your Mortgage

Years ago, credit scoring had little to do with mortgage lending. When reviewing the credit worthiness of a borrower, an underwriter would make a subjective decision based on past payment history. Then things changed. Lenders studied the relationship be... Read more
Frank Ruan, Ph.D., Broker
Stanford Professional Realty
5050 El Camino Real          4062 Fabian Way
Los Altos, CA 94022           Palo Alto, CA 94303

 650-400-0085  (call or text)
 408-886-8009  (call or text)
frank@stanfordprofessional.com
wechat: 6504000085
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Service Areas

Silicon Valley
San Francisco Bay Area
Palo Alto
Los Altos
Cupertino
Sunnyvale
Mountain View
San Jose
San Francisco

Testimonials

Thank you Frank for all your help in making our "dream home" a reality. We really appreciated that you went the extra mile to get us the best price for our home. You are truly the best! John and Rhonda Robinson
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