East Capital Funding LLC (东方贷款) offers a variety of loan programs to meet your needs. We work with the leading lenders in the industry to provide comprehensive loan options:

  • Conventional Loan (less than $484,350)
    • 10 year fixed
    • 15 year fixed
    • 20 year fixed
    • 30 year fixed
  • Jumbo Loan (greater than $484,350)
    • 30 year fixed
    • 40 year amortized
  • Super Jumbo Loan (greater than $729,500 up to $3 million)
  • ARM (as well as interest-only) 
    • 5/1
    • 7/1
    • 10/1
  • FHA Loan
  • Commercial Loan
  • Construction Loan
 
Conventional Loans

Conventional Loans
Conventional Loan programs give buyers freedom from property restrictions and fewer underwriting restrictions than federal loan programs. Plus, those who can’t afford a 20% down payment have the option to qualify for a Conventional Loan with as little as 3% down. At East Capital Funding LLC, we offer borrowers a variety of Conventional Loans to choose from.

Term: 30 years   Maximum Amount: $484,350
RatesAPRPointsPayment
3.75%3.916%0%$1,389.35
 

Fixed Rate Mortgages: 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 adjustable-rate loans are usually cheaper. On the other hand, the 15-year fixed rate mortgage 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. The disadvantage is that, with a 15-year loan, you commit to a shorter period of time to pay off your home and often have a higher monthly payment.

ARMs: Adjustable Rate Mortgages (ARMs) are designed for borrowers who don’t expect to be in a home for a long period of time. These adjustable-rate mortgages are fixed for a period of time and can adjust thereafter. The increasingly popular Hybrid ARMs (also called 3/1, 5/1 or 7/1) can offer the best of both worlds. These loans have lower interest rates (like ARMs) and a fixed payment for a longer period of time than most adjustable-rate loans. These loans can also be a good choice for people who expect to move (or refinance) before or shortly after the adjustment occurs.




Unless otherwise indicated, these APR calculations are based on the following: Conforming loans (whose maximum loan amount is below $484,350 for the contiguous states, District of Columbia, and Puerto Rico or below $636,150 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $417,000 with closing costs of $8,340. Jumbo Loans (whose maximum loan amount exceed $484,350 for the contiguous states, District of Columbia, and Puerto Rico or exceed $636,150 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $1,000,000 with closing costs of $20,000. Your actual APR may be different depending upon these factors.