We are dedicated to helpingrealize your dream.

Practical expertise, personal attention, and clear guidance from your first question through closing.

Equal Housing Lender & BrokerMorgan Real Estate & Financial2051 Junction Ave., Suite 237
San Jose, CA 95131
Fax 866.219.8987BRE #01929550 · NMLS #1042844

We embrace useful technology—calculators, property search, and practical guides—but it never replaces the time we spend with you as personal guides through an important financial and real estate decision.

Mortgage guidance

A clear path from
questions to keys.

Every mortgage is personal. We help you understand the tradeoffs, prepare the right documents, and choose a financing strategy that fits the way you live.

Rates & payment planning

See the numbers
in context.

Compare common loan structures, then estimate principal and interest. Our advisors can prepare a quote based on your full financial picture.

ProgramConformingHigh balanceJumbo
30-year fixed6.25%6.25%6.25%
15-year fixed5.50%5.625%5.75%
7-year ARM5.75%5.625%5.625%
3-year ARM5.625%5.375%5.375%

Illustrative rate snapshot only; not a commitment to lend. Contact Morgan for current pricing and qualification details.

Payment calculator

Estimate your monthly payment

Estimated principal & interest$5,127/mo

Estimate excludes taxes, insurance, HOA dues, and mortgage insurance. It is not a loan offer.

Open all 17 mortgage calculators →

Ready when you are

Move forward with confidence.

Choose the next step that works best for you. We will help make the rest feel manageable.

The housing market

Looking for a place to call home?

Explore available properties, then speak with us about financing and offer strategy.

Explore property search ↗

Resources

Useful contacts,
all in one place.

Use Morgan's client guides on this site, or open the official title-company websites directly.

About Morgan

Best service, competitive options,
and one connected team.

Morgan Real Estate & Financial is a group of licensed real estate and mortgage consultants serving homeowners and investors. Home buying, selling, and mortgage services are coordinated in one place.

One-stop guidance

Complicated decisions, made more manageable.

Buying a home and obtaining a mortgage can be complicated. Morgan uses a consultative approach to build a solution around each client's goals, property, finances, and timeline.

The company works with more than 50 major banks to compare available loan programs and solutions. Morgan is an Equal Housing Lender and Broker.

Services

Real estate and financial support

  • Real estate buying and selling
  • Purchase loans
  • No-point, no-fee refinance options
  • EB-5 investment support for foreign investors
  • Broker price opinions
  • Free consultations

Culture & values

How Morgan approaches the work

  • Customers deserve strong service and competitive rates
  • Customers are entitled to shop and compare
  • Customer satisfaction is the goal
  • Business is based on honesty and integrity
  • Solutions should create a win for everyone involved

Training & support

Built to support professionals

Morgan provides comprehensive training for new agents, weekly product and industry education, on-the-job training, manager mentoring, and processing support.

New agents who share Morgan's service standards are welcome to contact the office about joining the team.

Contact information

Morgan Real Estate & Financial, Inc.
2051 Junction Ave., Suite 237
San Jose, CA 95131
408-320-8080
408-728-9787
Fax 866-219-8987
home2loan@gmail.com
BRE #01929550
NMLS #1042844

Our team

Experienced people,
ready to help.

Connect with a Morgan professional for lending, real estate, or both.

Lingyun (Lynn) Meng, Loan Officer
Loan Officer

Lingyun (Lynn) Meng

DRE #01846275 · NMLS #347004

408-416-8736
View the complete team directory →

Let's talk

Your next move
starts here.

Call, email, or visit our office. A member of our team will help you choose the right next step.

Call us408.320.8080Email ushome2loan@gmail.com
Visit us2051 Junction Ave., Suite 237
San Jose, CA 95131
Fax866.219.8987
Call 408.320.8080