Jack Chen Mortgage

Units	Conforming	High-cost
1	$832,750	$1,209,750
2	$1,066,250	$1,548,975
3	$1,288,800	$1,872,225
4	$1,601,750	$2,326,875

Disclosures & Licensing

^* 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 30-year term.

^** Each rate shown includes 1 discount point ($5,600) and is based on the following assumptions: purchase of a single-family residence with a loan amount of $560,000 and a loan-to-value of 70% (conventional fixed-rate and ARM, VA 30-year fixed, Non-QM Bank Statement and VOE); DSCR assumes an investment property with a 5-year prepayment penalty and a debt-service coverage ratio of at least 1.00. All rates assume a 30-day rate lock. The APR shown is based on the interest rate, discount points and lender fees (underwriting and processing). VA loans are subject to VA program requirements and a VA funding fee (unless the borrower is exempt), which may be financed; the VA rate shown is priced as funding-fee exempt, and the VA APR shown includes a 1.25% VA funding fee ($7,000, based on first-time use with a 30% down payment) paid at closing. Occupancy restrictions apply to VA and primary-residence programs. Jack Chen and General Mortgage Capital Corporation are not affiliated with the U.S. Department of Veterans Affairs or any other government agency. Interest rates and annual percentage rates (APRs) are based on current market rates, are for informational purposes only, are subject to change without notice and may be subject to pricing add-ons related to credit score, loan-to-value, loan amount, occupancy, property type, loan purpose and other variables—call for details. This is not a credit decision or a commitment to lend. All loans are subject to credit approval. 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, considering such items as interest, most closing costs, discount points (also referred to as "points") and loan-origination fees. One point is 1% of the mortgage amount (e.g., $1,000 on a $100,000 loan). Your monthly payment is not based on APR, but instead on the interest rate on your note.

Jack Chen, Mortgage Loan Originator, NMLS #2425956 · Equal Housing Lender

General Mortgage Capital Corporation: 1350 Bayshore Hwy Ste 740, Burlingame CA 94010 · Ph: 866-462-2929 (866-GMCC-WAY) and 650-340-7800 · Email: info@gmccloan.com · NMLS – 254895 / CFL: 60DBO-66060 · Real Estate Broker, CA Department of Real Estate: CA DRE: 01509029 · General Mortgage Capital Corporation is a licensed Lender and licensed Broker. · Licensed – The Department of Financial Protection and Innovation under the California Finance Lenders Act · New Jersey: Licensed by the NJ Dept of Banking and Insurance · Licensed Mortgage Banker – NYS Department of Financial Services · Texas: any consumer complaints, click here · Disclosures & Licensing: gmccloan.com/Disclosures.html · For all state licensing: nmlsconsumeraccess.org

Create your free account

Unlock saved calculations, market updates, and advanced analysis.

Name

Email

Password

Phone (optional)

Already have an account? Log in

Privacy & terms

Effective June 27, 2026.

Who we are

"We," "us," and "our" mean Jack Chen, Mortgage Loan Originator (NMLS #2425956), with General Mortgage Capital Corporation (NMLS #254895), an Equal Housing Lender.

Information we collect

When you create an account we collect your name, email, an optional phone number, and a password (stored only as a secure hash). If you contact us, we keep what you send. When you browse, we and our analytics providers automatically collect your IP address, device and browser type, and pages viewed, using cookies and similar technologies.

How we use it

To give you access to the tools, respond to your inquiries, follow up with you about mortgage options you ask about, improve the site, and meet our legal and recordkeeping obligations.

Consent to contact

By creating an account or submitting a form and giving us your phone number, you agree we may contact you by phone, text, or email about your inquiry and mortgage options, including by automated means where permitted. Consent is not a condition of any loan or service. Message and data rates may apply. You can opt out anytime — reply STOP to texts, unsubscribe from emails, or email us.

Cookies & analytics

We use cookies and similar technologies, including Google Analytics and HubSpot, to understand how the site is used and to improve it. These load only after you accept cookies in our banner; you can decline non-essential cookies at any time.

How we share it

We do not sell your personal information. We share it only with service providers that help us operate the site and follow up with you — Supabase (accounts), HubSpot (CRM), Google Analytics (usage analytics), and Cloudflare (hosting and security) — and when required by law.

Data retention & security

We keep your information for as long as needed to serve you and meet legal requirements, then delete or de-identify it. We use reasonable safeguards to protect it, though no method of transmission or storage is completely secure.

Your choices & rights

You can access, correct, or delete your account or data at any time by emailing us. Depending on where you live (for example, California residents under the CCPA/CPRA), you may have additional rights to know, delete, correct, and opt out of the sale or sharing of personal information. We do not sell your personal information.

Terms of use

You must be at least 18 and able to enter a binding agreement to use this site. The calculators, rates, and content are estimates for general information only — not financial advice, a credit decision, a rate lock, a loan approval, or a commitment to lend. Actual terms depend on a complete application, underwriting, and current market conditions. See the full rate disclosures below.

Please don't misuse, disrupt, or attempt unauthorized access to the site. The site is provided "as is" without warranties of any kind, and to the fullest extent permitted by law we are not liable for any indirect or consequential damages arising from your use of it. These terms are governed by the laws of the State of California.

Children

This site is not directed to anyone under 18, and we do not knowingly collect their information.

Changes & contact

We may update this policy; any changes will be posted here with a new effective date. Questions, or want your account or data removed? Email jack.chen@gmccloan.com.

← Back to sign up

Direct Lending.
Faster Approvals.

Full Doc (QM)

Non-QM · 30-Year Fixed

Contact us

Disclosures & Licensing

Get your custom quote

Thanks!

Create your free account

Welcome

Check your email

Set a new password

Change password

Change email

Privacy & terms

Who we are

Information we collect

How we use it

Consent to contact

Cookies & analytics

How we share it

Data retention & security

Your choices & rights

Terms of use

Children

Changes & contact

Direct Lending.Faster Approvals.

Full Doc (QM)

Non-QM · 30-Year Fixed

Contact us

Disclosures & Licensing

Create your free account

Welcome

Check your email

Set a new password

Change password

Change email

Privacy & terms

Who we are

Information we collect

How we use it

Consent to contact

Cookies & analytics

How we share it

Data retention & security

Your choices & rights

Terms of use

Children

Changes & contact

Direct Lending.
Faster Approvals.