Freddie Mac PMMS® national weekly averages via the Federal Reserve Bank of St. Louis (FRED). Not a rate offer or quote; your rate and APR depend on your credit, loan, and property.
Skip the red tape of faceless retail banks. Hieu Nguyen pairs high-touch advisory with wholesale lending access, so your rate and program options are shopped across multiple lenders instead of limited to one bank's rate sheet.
Hieu Nguyen
Century Financial Group Co.
Instant downloadable pre-qualification summary + direct alert sent to Senior Originator Hieu Nguyen.
Century Financial Group Co.
8295 Bolsa Avenue, Midway City, CA 92655
(714) 409-9272
As a Senior Mortgage Loan Originator at Century Financial Group Co., Hieu Nguyen has built an unshakeable reputation for transforming complex lending scenarios into seamless, stress-free home purchases and refinances.
Operating out of 8295 Bolsa Avenue in Midway City, Hieu is deeply connected to Orange County's vibrant communities, including Little Saigon, Westminster, Garden Grove, Fountain Valley, and Irvine, and he works with clients across the U.S. and in Asia financing California homes. He understands that a mortgage is never merely a transaction—it is the foundational cornerstone of a family's generational wealth.
Competitive fixed and adjustable rates for primary homes, secondary vacation residences, and investment properties with as low as 3% down.
Tailored luxury financing for premier properties across Irvine, Newport Coast, Laguna Beach, and greater Southern California.
Accessible government-backed financing for first-time buyers with flexible credit score requirements and manageable down payments.
Honoring military service with 100% financing, competitive rates, and no monthly private mortgage insurance (PMI).
Qualify strictly based on property rental income rather than personal W-2 income or personal tax returns.
Designed for business owners, contractors, and 1099 consultants who write off business expenses and need alternative income proof.
Hypothetical examples showing how different programs match different buyers. They are not actual client transactions.
Single-family home • Irvine, CA
A buyer purchasing above the conforming loan limit compares jumbo options across several lenders. Submitting income and asset documents up front gives the seller a fully documented pre-approval letter to review with the offer.
Single-family home • Midway City / Westminster
First-time buyers putting 10% down compare 15- and 30-year fixed terms, review when to lock their rate, and ask whether seller credits can help cover closing costs.
Investment duplex • Garden Grove, CA
A self-employed investor buying a duplex qualifies on the property's expected rental income compared with the monthly payment, instead of personal tax returns.
Photos are representative and may be AI-enhanced. Eligibility, rates, and timelines depend on your circumstances. See disclosures.
Compare multiple term scenarios side-by-side with live Freddie Mac PMMS® market benchmark rates
$170,000
Auto-Synced from Freddie Mac
Evaluate payment differences, lifetime interest savings, and payoff timelines for your loan balance
Choosing Scenario B saves $587,520 in total lifetime interest and pays off 15 years sooner.
| Comparison Metric | Scenario A (30Y @ 7.18%) | Scenario B (15Y @ 6.57%) | Difference / Advantage |
|---|---|---|---|
| Monthly Principal & Interest | $4,607 | $5,950 | A is $1,343 lower |
| Total Monthly Payment (PITI) | $5,634 | $6,977 | A preserves $1,343/mo cashflow |
| Total Lifetime Interest Paid | $978,520 | $391,000 | B saves $587,520 interest |
| Total Principal + Interest Payments | $1,658,520 | $1,071,000 | $587,520 delta |
| Payoff Timeline | 30 Years (360 payments) | 15 Years (180 payments) | B pays off 15 years faster |
Estimates for illustration only, not a rate quote, Loan Estimate, or commitment to lend. Your actual rate and payment depend on credit, property, loan amount, and market conditions. See disclosures.
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Compare programs: home loan options · buyers in Asia · areas served
Whether you're writing a competitive purchase offer in Orange County, refinancing out of high interest rates, or tapping equity for smart expansion, Hieu Nguyen provides rapid, transparent loan execution.
Century Financial Group Co.
8295 Bolsa Avenue, Midway City, CA 92655
Serving Orange County, Little Saigon, and Greater Southern California
Confidential, zero obligation. No hard credit pull required for initial review.