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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.

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Roy Park

Roy Park

Lending Associate NMLS ID: 340946

2301 Rosecrans Avenue, Suite 2100, El Segundo, CA 90245
Roy Park

Roy Park

Lending Associate NMLS ID: 340946

2301 Rosecrans Avenue, Suite 2100, El Segundo, CA 90245
Call me today

I'm Roy, your local El Segundo Lending Associate helping families finance their homes. Fall is the season of change and a good time to prepare for holiday spending. If you're thinking about buying a home, refinancing your current one or applying for a home equity line of credit, I'm here to help you explore your options. Don't hesitate to contact me if you have any questions or want to get the process started.

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Provided by

Education

  • Bachelors degree in Business Economics from UCLA

Areas of expertise

  • First time homebuyers
  • Fixed and adjustable-rate loans
  • Government loans
  • Home equity lines of credit
  • Jumbo loans
  • Lending to multicultural borrowers
  • Lower-to-moderate-income borrowers
  • Self-employed borrowers
  • High-net-worth borrowers

Specialty

  • Community Homeownership Advocate

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.
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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 not required
  • 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)
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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.)
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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.

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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

Stay connected

Discover recent trends in homebuyer attitudes, behaviors and preferences.
Get the report Homebuyer Insights

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.
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Stay up to speed on market trends, Bank of America services and products, and more.
Learn more in MonthlyInsights