Thanks for reaching out

I know you have a lot of options when it comes to home loans, and I appreciate you contacting me. I'll review your information and reach out to you as soon as possible.

Back to home page

Hi, I'm Al and I'm a Bank of America lending specialist here to help with your home loan needs.

On this page, you'll find tools and resources to help you understand your home loan options. While you're browsing, my website will help guide and refer you to informative content, ensuring you're having the best experience possible.

Let's work together

Bank of America Coronavirus Resource Center  See Details at the Bank of America Coronavirus Resource Center

Fiona Cheung

Fiona Cheung

Credit Solutions Advisor II (CSA II) NMLS ID: 528811

1212 Highway 6, Sugar Land, TX 77478

Current Mortgage Rates

Fiona Cheung
Estimate your personal rate with the mortgage calculator or the refinance calculator. If you want to talk about your options, set up a timeset up a time and I can go through them with you.
Rates based on a loan in ZIP code 77478
Fiona Cheung

Fiona Cheung

Credit Solutions Advisor II (CSA II) NMLS ID: 528811

1212 Highway 6, Sugar Land, TX 77478
Call me today

Understanding your mortgage options can make all the difference when you're looking for a loan that you can comfortably afford. I'm Fiona, based in Sugar Land, and I'm passionate about building relationships with my clients. As your Credit Solutions Advisor II (CSA II), I can offer educational resources, knowledge from my 8 years of experience, and the personal attention and support every homebuyer deserves.

Ask questions

My lending reviews

out of 5.0 stars, based on reviews

Provided by

Additional languages

  • Mandarin
  • Cantonese

Areas of expertise

  • First time homebuyers
  • Government loans
  • Jumbo loans
  • Self-employed borrowers
  • High-net-worth borrowers
  • Home equity lines of credit

Home loans and programs

Every borrower has different needs based on their specific situation. When we work together, I'll put Bank of America's best products and services to work to help your clients find the home loan that's right for them.

Affordable Loan Solution® mortgage

This loan offers a competitive rate and a down payment as low as 3% to help make buying a home more affordable.Footnote 2 It may be a good, responsible loan option for qualified homebuyers who don't have enough savings for a larger down payment.

Here are some highlights of the program:

  • Competitive rates with a down payment as low as 3%
  • Mortgage insurance is required; however, it's at a reduced cost compared to most conventional loans.
  • Homebuyer education may be required for first-time buyers through a HUD-approved counseling provider or Connect to Own®, Bank of America's nationwide network of counselors
  • Maximum income and loan amount limits may apply (varies by location)

FHA and VA loan programs

These government lending programs from the Federal Housing Administration (FHA) and Department of Veterans Affairs (VA) can help your eligible clients find low-down-payment options. They serve a vital role for first-time homebuyers and also move up buyers seeking low-down-payment options.

FHA program highlights includeFootnote 3:

  • Industry standard credit score requirements
  • Nontraditional credit
  • Higher loan-to-value (LTV) ratios
  • Nonoccupant co-borrower
  • Up-front Mortgage Insurance Premium (UFMIP) financed or paid in cash by applicant or seller
  • Monthly Mortgage Insurance Premium (MIP) required

VA program highlights include4:

  • Industry standard credit score requirements
  • Nontraditional credit
  • Up to 100% LTV ratio
  • No mortgage insurance (While VA loans do not have mortgage insurance, the borrower may be required to pay a VA funding fee. This fee is typically financed into the loan amount.)

Jumbo loans

I'm here to help your clients who are looking at higher-value homes. We offer jumbo loans in a range of amounts that can meet the needs of a variety of buyers. These loans feature:

  • Loan amounts up to $5 million on owner-occupied properties, up to $3 million on second homes and up to $1 million on investment homes.Footnote 5
  • Competitive fixed-rate and adjustable-rate mortgages (ARMs),Footnote 6 10-year interest-only payment option on ARMs up to $5 million and on fixed-rate mortgages up to $2 million.Footnote 7
  • Low down payment options with no mortgage insurance for qualified borrowers on owner-occupied properties with loan amounts up to $1 million (not available with an interest-only payment option).

Together, we can help your clients find and buy the home that's right for them.


Bank of America Doctor Loan

Our Doctor Loan is specifically designed for licensed and practicing doctors and dentists, medical residents and fellows, and other eligible medical professionals.Footnote 8

Here's how your clients may benefit from our Doctor Loan:

  • Low down payments and financing on mortgages up to $1.5 million.Footnote 9
  • Employment start date up to 90 days after closing allowedFootnote 10
  • Student loan debt may be excluded from total debt calculationFootnote 11
  • Choose a fixed-rate or adjustable-rate loan
Fiona Cheung
Each loan has pros and cons based on your client's needs. Feel free to reach out to me at any time if you need more information about a specific loan and how it could help your client achieve homeownership.
Call me at 281.394.4069

Stay connected

Discover recent trends in homebuyer attitudes, behaviors and preferences.
Learn more
Watch our First-Time Homebuyer Online Edu-Series which helps clients learn about affordable mortgages and grants for first-time homebuyers and more.
Watch videos from the First-Time Homebuyer Affordable Home Buying Solutions Page
Clients can get tips, tools and more from Bank of America specialists who chat with Buzzfeed's Hannah Williams.
Watch videos from the First-Time Homebuyer Page
Find local support and programs for you and your clients in your community.
Learn how to find local support
Stay up to speed on market trends, Bank of America services and products, and more.
Learn more in MonthlyInsights