About Hong Geng
As a senior loan officer at Rate, Hong has had over 13 years of experience assisting clients with their mortgage needs. Some of the more well-known companies she has worked at in the past are Mortgage Master Inc., DCM, and Poli mortgage. She has been named one of the best mortgage loan officers in the nation multiple times on account of her outstanding client service and extensive knowledge regarding lending processes and regulations. Hong prides herself on prioritizing customer satisfaction and always addressing her clients' concerns. For winning her clientsý trust, she has been recognized based on numerous client recommendations and national recognitions. Her plethora of referrals, awards, and consistently high rankings are the best testimony of Hong's careful attention to closings and genuine care for her clients. In China, Hong earned a bachelor degree in law from one of the best law schools: China Southwestern University of Law and Political Science. In her spare time, Hong loves to spend time with her family and friends. She also has a passion for visiting art museums, reading, cooking, and watching The Voice.
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The competitive edge you need to purchase the home you want. Get a fast approval with options as little as 3% down.
Current mortgage rates
Points:
| Loan Type | Rate | APR | Points | Mo. Payment |
|---|---|---|---|---|
| 30-year fixed | 6.375% | 6.664% | 0.828 ($2898.00) | $2183.54 |
| 15-year fixed | 5.375% | 5.859% | 0.716 ($2506.00) | $2836.63 |
| FHA loan | 5.750% | 6.800% | 0.951 ($2902.93) | $1918.06 |
| VA loans | 5.750% | 6.263% | 0.714 ($2917.41) | $2384.48 |
| Jumbo loans | 6.000% | 6.261% | 0.916 ($8244.00) | $5395.95 |
* Rates current as of 4/6/2025 06:00 am, provided by Hong Geng, for Middlesex County, MA, and are subject to change without notice.
Mortgage rates disclaimers
30 year, 15 year rate assumptions
- Purchase price: $437,500
- Down payment: 20.00%
- First Lien Position
- Primary residence
- 760 FICO Score
- 30 day rate lock
- 80.00% LTV ratio
FHA rate assumptions
- Purchase price: $310,880
- Down payment: 3.50%
- First Lien Position
- Primary residence
- 680 FICO Score
- 30 day rate lock
- 96.50% LTV ratio
Jumbo rate assumptions
- Purchase price: $1,200,000
- Down payment: 25.00%
- First Lien Position
- Primary residence
- 760 FICO Score
- 25 day rate lock
- 75.00% LTV ratio
VA rate assumptions
- Purchase price: $400,000
- Down payment: 0.00%
- First Lien Position
- Primary residence
- 680 FICO Score
- 30 day rate lock
- 100.00% LTV ratio
- Must meet eligibility assumptions to qualify
This is NOT a mortgage loan approval or commitment to lend.
The actual fees, costs, and monthly payment on your specific loan transaction may
vary, and may include city, county, or other additional fees and costs. Mortgage rates
are offered exclusively through Rate, Inc. and are subject to change without
notice. The payment amount does not include homeowners' insurance, flood insurance
(if applicable), or property taxes that must be paid in addition to your loan payment.
The displayed Annual Percentage Rate (APR) is a measure of the cost to borrow money
expressed as a yearly percentage. For mortgage loans, excluding home equity lines of
credit, it includes the interest rate plus other charges or fees (such as mortgage
insurance, discount points, and origination charges). These mortgage rates are based
upon a variety of assumptions and conditions, which include a consumer credit score
that may be higher or lower than your individual credit score. Your loan's interest
rate will depend upon the specific characteristics of your loan transaction and your
credit history up to the time of closing. Refinancing may cause finance charges to be
higher over the life of the loan. Rate, Inc. has no affiliation
with the US Department of Housing and Urban Development, the US Department of Veterans
Affairs, the Nevada Department of Veterans Services, the US Department of Agriculture,
or any other government agency.
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Located at 271 Waverley Oaks Road, Suite 306 Waltham MA, 02452