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HIEU NGUYENSenior Mortgage Loan Originator
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Home loans

Home Loan Options in Orange County

An overview of common mortgage programs for buyers, homeowners, and investors in Orange County, across the U.S., and clients in Asia financing U.S. property.

  • First-time buyers

    First-Time Home Buyer Loans

    First-time home buyer guidance in Orange County: loan options, down payment assistance, and the steps to get pre-approved. NMLS 1597078.

    Learn more: First-Time Home Buyer Loans

  • Government-backed

    FHA Loans

    Learn how FHA loans work: 3.5% down with a qualifying credit score, mortgage insurance, and loan limits. Guidance from Hieu Nguyen, Century Financial Group.

    Learn more: FHA Loans

  • For veterans

    VA Loans

    VA home loans for eligible veterans, service members, and surviving spouses: often no down payment and no monthly PMI. Guidance from Hieu Nguyen, Century Financial Group.

    Learn more: VA Loans

  • Most common

    Conventional Loans

    How conventional mortgages work: down payments from 3% for qualifying buyers, PMI that can be removed, and fixed or adjustable terms. NMLS 1597078.

    Learn more: Conventional Loans

  • Higher-priced homes

    Jumbo Loans

    Jumbo and high-balance loans for higher-priced Orange County homes: limits, down payment, and reserves explained. Hieu Nguyen.

    Learn more: Jumbo Loans

  • For homeowners

    Refinance

    When does refinancing make sense? Compare rate-and-term, cash-out, and streamline refinance options and your break-even point. NMLS 1597078.

    Learn more: Refinance

  • International clients

    Loans for Overseas Buyers

    Buying U.S. property from Asia or overseas? Learn the financing options, documents, and down payments international buyers should expect. Century Financial Group.

    Learn more: Loans for Overseas Buyers

  • Investors

    DSCR Investor Loans

    DSCR loans qualify investment properties on rental income instead of personal income. Ratios, down payments, and trade-offs explained by Hieu Nguyen.

    Learn more: DSCR Investor Loans

  • Self-employed

    Bank Statement Loans

    Self-employed? Bank statement loans use 12 or 24 months of deposits instead of tax returns to qualify. How they work and what to expect, with Hieu Nguyen.

    Learn more: Bank Statement Loans

Hieu Nguyen, Senior Mortgage Loan Originator, Century Financial Group Co.. Loans are offered only in states where Hieu Nguyen and Century Financial Group are licensed — see NMLS Consumer Access. Not a commitment to lend; all loans are subject to credit and underwriting approval.