Services & Specialties

Loan Programs

We offer no closing cost loan specialties for purchase or refinancing needs.

The following is a partial list of programs offered by Stephen Wong at Byone Reic with a brief description of the key elements of each. For a complete list of the programs that we offer, please 408-780-8228 or email


Traditional loan programs that usually require 20% down and offer competitive interest rates. Documentation and fair-to-good credit are necessary.

High Balance Loan / Jumbo Loans

Offers 30 and 15 year fixed rate mortgage and competitive ARM products with full document.

Cash out and No cash out refinance are allowable. Single family detached, Condo's, PUD's and single-family second homes can be financed with no prepayment penalty.

Investor Loans

Used to finance 1-4 family properties that will be for investment.