A loan officer who also knows the house
I originate mortgages in Georgia and California through OrangePath Financial. In Georgia I'm also a REALTOR®, so your pre-approval, your offer and your closing date stay in one set of hands.
- Loan officer
- Long (Zion) Chen
- NMLS
- #2869394
- Georgia license
- MLO #2869394
- California license
- DFPI CA-DFPI2869394
- Company
- OrangePath Financial Inc.
- Company NMLS
- #2070941
Rates we can offer right now
Pricing scenario: Home purchase · loan amount $300,000 · single-family home · credit score 780+ · 30-day rate lock
| Loan | Down | Term | Rate | APR |
|---|---|---|---|---|
| Primary home, income verified | 20% | 15-year fixed | 6.625% | 6.955% |
| Primary home, income verified | 25% | 30-year fixed | 7.000% | 7.194% |
| Investment property, income verified | 25% | 30-year fixed | 7.125% | 7.448% |
| Primary home, no income verification | 30% | 3/1 ARM | 6.000% | 6.235% |
| Investment property, no income verification | 30% | 3/1 ARM | 6.000% | 6.235% |
Rates change daily. Your rate depends on your credit score, down payment, property type and loan amount; ask me for a quote on your scenario. This is not a commitment to lend.
Fixed-rate loans are repaid in equal monthly payments of principal and interest over the full term (180 payments for 15 years, 360 for 30 years). The 3/1 ARM has a fixed rate for the first 3 years and then adjusts once a year for the remaining 27 years of its 30-year term, so the rate and the monthly payment can go up. Taxes and insurance are not included; the actual payment will be higher.
Full rate and APR disclosure
Interest rates and annual percentage rates (APRs) are based on current market rates, are for information purposes only, are subject to change without notice and may be subject to pricing add-ons related to property type, loan amount, loan-to-value, credit score and other variables. This is not a credit decision nor a commitment to lend. Depending on loan guidelines, mortgage insurance may be required. If mortgage insurance is required, the mortgage insurance premium could increase the APR and the monthly mortgage payment. Additional loan programs may be available. APR reflects the effective cost of your loan on a yearly basis, taking into account such as interest, discount points (also referred to as "points") and loan-origination fees. One point is 1% of the mortgage principal amount (e.g., $1,000 on a $100,000 loan). Your monthly payment is not based on APR, but instead based on the interest rate on your note. Adjustable-rate mortgage (ARM) rates assume no increase in the financial index after the initial fixed period. ARM rates and monthly payments are subject to increase after the fixed period. ARMs assume a 30-year term. OrangePath Financial Inc NMLS #2070941, headquartered at 3635 Peachtree Industrial Blvd Ste 250, Duluth, GA 30096, is an Equal Housing Lender. Some products not available in all states. Program subject to change. Some restrictions may apply. Underwriting terms and conditions apply and not all applicants will qualify.
OrangePath Financial Inc., NMLS #2070941, 3635 Peachtree Industrial Blvd, Ste 250, Duluth, GA 30096, is an Equal Housing Lender. Georgia Residential Mortgage Licensee #2070941. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, #60DBO-149772.
Loans for how you actually buy
Purchase and refinance loans, FHA and VA, and first-time buyers are all covered. These programs fit borrowers whose income is documented differently, and investors buying rental or commercial property.
Financing a home in Atlanta? See Atlanta home loans: Georgia limits and closing costs, and start with the Atlanta home buying guide. Buying or refinancing in California? See California home loans: 2026 county limits, jumbo and common programs.
A pre-approval letter shows sellers you can close, and tells you your real budget at today’s rates. W-2, self-employed, investor and foreign national borrowers welcome.
From first call to keys
- 1A 5-minute callYour goals, budget and timeline. No credit check yet.
- 2Pre-approvalDocuments reviewed and a pre-approval letter you can shop with.
- 3Offer and contractIn Georgia I can also be your agent. In California I work with your agent.
- 4Underwriting to closingAppraisal, final approval and closing, with updates at every step.
Download, print or share
One-page summaries OrangePath Financial prepared for my clients. Open the image, or download the PDF to print. Images are easy to forward on WeChat or by text.
Request a pre-approval call
Share a few details and I'll call you within one business day. Sending this form is not a loan application and does not affect your credit.
Long (Zion) Chen, NMLS #2869394, licensed mortgage loan originator in Georgia (MLO License #2869394) and California (DFPI MLO License CA-DFPI2869394), sponsored by OrangePath Financial Inc., NMLS #2070941. This is not a commitment to lend. All loans are subject to credit approval and underwriting; terms, programs and eligibility are subject to lender approval, and not all programs are available in every state. OrangePath Financial Inc., NMLS #2070941, 3635 Peachtree Industrial Blvd, Ste 250, Duluth, GA 30096, is an Equal Housing Lender. Georgia Residential Mortgage Licensee #2070941. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, #60DBO-149772. NMLS Consumer Access