Yang Yang
Senior Home Lending Advisor
NLMS ID: 1223737
Languages spoken
mandarin
About Yang
With fluency in Mandarin, Yang proudly serves clients in the Bellevue, WA area. Yang has 5 years of experience as a Senior Home Lending Advisor and specializes in pre-qualification, fixed-rate mortgages, adjustable-rate mortgages, first-time homebuyer programs, and conforming loans and jumbo mortgages. Whether you're a first-time homebuyer, need to expand or downsize, or are looking for a second home, Yang is here to help you find the right mortgage to fit your needs. Starting with a review of your finances, Yang can help you get a clear picture of what might work best for you. Yang will explain your options, answer any questions you may have, keep you informed and guide you through every step of the mortgage process. Above all, Yang wants to ensure that you have a positive home lending experience.
Yang's achievements
Yang's certifications
Chase Certified in VA Loans
Loans & Products
Conventional mortgage
Jumbo Mortgage1
DreaMakerSM mortgage2
FHA mortgage3
Veterans Affairs (VA) loan4
Terms and rates
Mortgage Tools
My reviews
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See your loan optionsRecent Reviews
Zhenglin W.
September 12, 2023
5 out of 5
I highly recommend to have Yang help you with the home loan because he is professional, efficient and supportive. I never thought our home loan can be this smooth, which thanks to Yang's efficiency and professional experience. Great rate, quick response and reliable loan process is what you will get with Yang's service.
Please don't hesitate to have Yang as your home lending advisor and you won't regret.
Response from Yang Yang
September 12, 2023
It means so much to us that you left such positive feedback. We are delighted Yang Yang provided an exceptional experience. It was our pleasure to help you with your loan.
Sincerely, Chase
Jixin, S
August 21, 2023
5 out of 5
I had an amazing experience with Yang Yang as my home loan leasing agent. His commitment to keeping promises and delivering on his word was truly impressive. He consistently followed through on every commitment, ensuring a seamless process. His extensive knowledge of the home loan market ensured I got the best rate tailored to my needs. What stood out was his dedication to going above and beyond, by actively looking out for the best rate for me. He provided valuable insights and addressed all my concerns. With his expertise, Yang made the entire process smooth. I recommend his services to anyone seeking assistance in securing the best home loan rate.
Response from Yang Yang
August 21, 2023
We are so happy that Yang Yang provided such great service to you. In a competitive market, we want to make sure our customers receive great rates that fit their needs. Your review made our day!
Sincerely, Chase
Lingzhi, S
July 6, 2023
5 out of 5
I recently had the pleasure of working with Yang Yang as my lender and I am thoroughly impressed by his professional approach and expertise. The lending process, which is inherently stressful and complex, was significantly simplified and made transparent under Yang's guidance.
Yang's availability was outstanding. He was prompt in answering any questions or concerns I had, regardless of the time. His detailed and clear explanations were invaluable in making me feel comfortable throughout the process. He was always on hand to provide advice, and his responses were not only quick but also comprehensive, reflecting his thorough understanding of the lending industry.
His professional conduct is worth mentioning. Yang managed every interaction with utmost integrity and transparency, which instilled a great level of trust. He showed that he was not only invested in my financial goals, but also valued my satisfaction with the process. His patience, particularly in dealing with my numerous inquiries, is testament to his dedication towards his clients.
Furthermore, his ability to simplify complex financial terminologies and processes into layman terms helped me to better understand and navigate through the intricacies of the lending process. His ability to clearly communicate these complicated processes is an asset that sets him apart in his field.
Overall, my experience with Yang Yang as my lender was above and beyond my expectations. I wholeheartedly recommend him for anyone seeking a lender who demonstrates professionalism, dedication, transparency, and exceptional knowledge in the industry. With Yang, you're not just another client, but a valued individual with specific financial needs that he strives to meet.
Five stars, without a doubt. I look forward to our future dealings.
Response from Yang Yang
July 6, 2023
Thank you for this glowing review. We're grateful you took the time to leave Yang Yang such positive feedback. This type of experience is exactly what we strive for! We are very grateful for your business.
Sincerely, Chase
Arash Dehghan
January 22, 2023
5 out of 5
I had a great experience working with Yang and Derek helping me to close my loan. Outstanding job!!!
Aline K.
May 21, 2023
5 out of 5
Yang was absolutely excellent from start to finish! Prompt responses no matter what time of day or night to our many questions, the best interest rate we could find, clear and concise explanations to all parts of the very confusing process of purchasing a new home. Of all the lending advisors we spoke to, Yang was by far the most professional and efficient one. This is my second time buying a home, and the service was just as stellar this time as the first.
Response from Yang Yang
May 21, 2023
It makes us so happy to hear about your positive experience, Aline. We are delighted Yang Yang was responsive to your needs. Working with you was truly our pleasure.
Sincerely, Chase
Qingyao Z
May 16, 2023
5 out of 5
Exceptional Service and Support from a Stellar Loan Agent！
I would like to express my utmost satisfaction and appreciation for the exceptional service and support Yang provided throughout the loan process. His professionalism, expertise, and unwavering dedication truly set him apart as an outstanding loan agent.
Response from Yang Yang
May 16, 2023
Thank you, Qingyao, for reviewing our services. We're grateful you took the time to leave Yang Yang such positive feedback. This type of experience is exactly what we strive for! We appreciate this thoughtful review.
Sincerely, Chase
Xi. T
April 29, 2023
5 out of 5
Yang is the most responsible and efficient mortgage officer we have ever worked with. He helps us with one house purchase and one house refinance. For both houses, we get great interest rate and a pleasant loan application experience.
Compared to other loan officers, Yang always answers our questions quickly and clearly, no matter it is work days or weekends. Yang and his team represent the clients and think of the clients. He keeps us updated in every stage of the financing process and helps us to resolve all kinds of hassles. For example, he pushed the appraisal results to come out early, and requested for the appraisal exception to make sure the loan could close on time. While waiting for the exception results, he notifies us every little progress from the bank side to eliminate our stress. We really appreciate it.
We will continue to work with Yang in the future and also highly recommend him for loan applications in Chase.
Response from Yang Yang
April 29, 2023
Your review of Yang Yang made us so happy, Xi. Here at Chase we strive for excellence, so we are pleased to hear we met your expectations! We love working with customers like you and hope you'll use Chase again for any future mortgage needs.
Sincerely, Chase
May Roark
September 1, 2022
5 out of 5
It has been a long time since I applied for loan. Yang Yang, my Home Lending Advisor, was so professional and kind and made this difficult experience very pleasant. Yang answered my questions not only in a timely manner, but also in an easy understanding way. I couldn't have closed my loan so quickly without Yang Yang's help!
Longfei Shangguan
August 19, 2022
5 out of 5
Both Derek and Yang provided me with timely guidance and answered my questions promptly. The overall process went smoothly. I will definitely choose Yang and Chase for my next home.
Lingyi Cai
September 16, 2022
5 out of 5
The Home Lending Advisor, Yang, is great to work with.
Kelle Rogacki
August 11, 2022
5 out of 5
Yang and his team were amazing and kept in contact with me throughout the whole process. My husband and I are so happy we went with Chase, specifically, Yang and his assistant!
Leo, L
September 9, 2022
5 out of 5
Simply hands down the best closer in town. Yang and his team made the mortgage process extremely streamlined with minimal stress. He also went above and beyond to secure the best terms possible. I am very appreciative and impressed by his responsiveness and care for his work. I have no hesitation/reservation in recommending Yang as the go-to person for lending needs.
Response from Yang Yang
September 9, 2022
Thank you, Leo, for taking the time to leave your positive review. We are delighted Yang Yang provided an exceptional experience. In the future, if you or anyone you know needs our assistance, we would be happy to help.
Sincerely, Chase
Ning, L
January 27, 2022
5 out of 5
Great service from Yang. He made himself available for all questions and worked extra time to make sure the loan process goes as smoothly as possible for me. I would not hesitate to recommend him to friends and family.
Response from Yang Yang
January 28, 2022
Thank you for sharing your experience with us. We are glad Yang Yang was able to answer your questions throughout the process. It is our goal to be an advisor and guide during this exciting time. It was a pleasure working with you and hope you'll choose Chase again in the future!
Sincerely, Chase
Pengfei M
September 7, 2021
5 out of 5
Yang was very dedicated and responsible in the loan process. He's always ready to help with any problems, even for those beyond his scope. He's honest and professional and makes sure that clients get great outcome. You're in safe hands by choosing him!
Response from Yang Yang
October 4, 2021
Thank you for your great review of Yang Yang, Pengfei. We strive to meet the unique needs of every customer, and we are very pleased we could accommodate you. We hope you will consider choosing Chase for any future loans.
Sincerely, Chase
Yi Jing
May 27, 2021
5 out of 5
Yang yang is fabulous and thank you for his outstanding performance
Kathleen Leong
May 6, 2021
5 out of 5
Yang at CHASE in downtown Bellevue, WA was amazing! His efficiency and responsiveness to me was above and beyond my expectations. He made himself available to me by phone, e-mail and in person, always assuring me guidance and confidence in my decision making. He helped me navigate the refinance process with ease, avoiding any stress I anticipated I might experience. He is the BEST!!!
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Facing the housing affordability crisis
Building on our existing investments, we are helping drive inclusive growth by committing $30 billion by the end of 2025 to advance economic growth and opportunity for Black, Hispanic and Latino communities
40K
Home loans
Originate additional home purchase loans for Black, Hispanic and Latino households.
100K
Affordable housing units
Finance the creation and preservation of affordable housing units in underserved communities.
1M
Improving access
Help people open low-cost checking or savings accounts.
Benefits of working with a Chase Home Lending Advisor
See how our Home Lending Advisors are ready to help you with everything from prequalification to finding the right loan, application guidance and more.
Frequently Asked Questions
When is it time to stop renting and buy a home?
When debating between renting vs. buying, you need to think about your lifestyle and finances. While renting can provide more flexibility, owning a home enables you to build equity in the property and may provide tax benefits.
Buying a home is a huge step, especially when you’re moving from renting to owning.
Buying a home is a huge step, especially when you’re moving from renting to owning.
How can I get information on mortgage loan options?
At Chase, you can choose from several types of mortgage loans to finance your home purchase. A Home Lending Advisor can help you understand the differences between the various loan options so you find one that best suits your financial situation.
Once you understand what you want out of a home, determining your housing budget is essential. After determining a loose housing budget, you'll need to decide how much you'll be comfortable paying each month. Your real estate agent will help you find the right home based on all of these factors. Looking for more information? Read our guide on “How to Find the Perfect Home!”
Once you understand what you want out of a home, determining your housing budget is essential. After determining a loose housing budget, you'll need to decide how much you'll be comfortable paying each month. Your real estate agent will help you find the right home based on all of these factors. Looking for more information? Read our guide on “How to Find the Perfect Home!”
What documents will I need to apply for a mortgage?
Traditional loans usually require documents that verify your employment, income and assets, and may include:
• Your Social Security number
• Pay stubs for the last two months
• W-2 forms for the past two years
• Bank statements for the past two or three months
• One to two years of federal tax returns
• A signed contract of sale (if you've already chosen your new home)
• Information on current debt, including car loans, student loans and credit cards
• Your Social Security number
• Pay stubs for the last two months
• W-2 forms for the past two years
• Bank statements for the past two or three months
• One to two years of federal tax returns
• A signed contract of sale (if you've already chosen your new home)
• Information on current debt, including car loans, student loans and credit cards
What is better: a fixed or an adjustable interest rate?
If you plan to be in your home for more than seven years, you may want to consider a fixed-rate mortgage, which offers predictable payments and long-term protection against rising mortgage interest rates. If you plan to be in your home for seven years or less, an adjustable-rate mortgage (ARM) could be attractive. Keep in mind that with an ARM, your monthly payments have the potential to go up each time your interest rate adjusts.
Current Chase mortgage rates
Purchase
Refinance
The annual percentage rate (APR), is the cost of credit over the term of the loan expressed as an annual rate. The APR shown here is based on the interest rate, any points, and mortgage insurance for FHA loans. It does not take into account the processing fee or any other loan specific finance charges you may be required to pay. Rates are estimated by state and actual rates may vary.
Purchase Rates: Rates displayed in the table include approximately 1 point and are based on the following assumptions: conforming 30 year fixed, 15 year fixed, 7/6 ARM and 5/6 ARM based on a loan amount of $300,000 to $349,999 with a down payment of 20%. 30 year fixed FHA based on a loan amount of $200,000 to $249,999 with a down payment of 3.5%. 30 year fixed Jumbo based on a loan amount of $1,000,000 to $1,049,999 with a down payment of 30%. All loans assume a single family residence, purchase loan, mortgage rate lock period of 30 days and customer profile with excellent credit. See estimated monthly payments
Refinance Rates: Rates displayed in the table include approximately 1 point and are based on the following assumptions: conforming 30 year fixed, 15 year fixed, 7/6 ARM and 5/6 ARM based on a loan amount of $300,000 to $349,999 with a loan-to-value of 75%. 30 year Jumbo based on a loan amount of $1,000,000 to $1,049,999 with a loan-to-value of 70%. All loans assume a single family residence, refinance loan, mortgage rate lock period of 45 days in all states except NY which has a rate lock period of 60 days and customer profile with excellent credit. See estimated monthly payments
Depending upon your credit profile, interest-only loans are available and provide for the payment of interest only for a set period of time, and payments of principal and interest thereafter for the remainder of the loan term. While making interest-only payments, principal is not reduced. At the end of this period, your monthly payment will increase.
Purchase Rates: Rates displayed in the table include approximately 1 point and are based on the following assumptions: conforming 30 year fixed, 15 year fixed, 7/6 ARM and 5/6 ARM based on a loan amount of $300,000 to $349,999 with a down payment of 20%. 30 year fixed FHA based on a loan amount of $200,000 to $249,999 with a down payment of 3.5%. 30 year fixed Jumbo based on a loan amount of $1,000,000 to $1,049,999 with a down payment of 30%. All loans assume a single family residence, purchase loan, mortgage rate lock period of 30 days and customer profile with excellent credit. See estimated monthly payments
Refinance Rates: Rates displayed in the table include approximately 1 point and are based on the following assumptions: conforming 30 year fixed, 15 year fixed, 7/6 ARM and 5/6 ARM based on a loan amount of $300,000 to $349,999 with a loan-to-value of 75%. 30 year Jumbo based on a loan amount of $1,000,000 to $1,049,999 with a loan-to-value of 70%. All loans assume a single family residence, refinance loan, mortgage rate lock period of 45 days in all states except NY which has a rate lock period of 60 days and customer profile with excellent credit. See estimated monthly payments
Depending upon your credit profile, interest-only loans are available and provide for the payment of interest only for a set period of time, and payments of principal and interest thereafter for the remainder of the loan term. While making interest-only payments, principal is not reduced. At the end of this period, your monthly payment will increase.
About Chase Home Lending
Whether you want to purchase a new home, refinance for a lower rate or use your home's equity for updates, we're ready to help you make it happen. You get a variety of powerful online mortgage tools and resources, a dedicated Chase Home Lending Advisor with you every step of the way and access to a personal online site for regular updates about your loan, neighborhood home sales and more.
1. Loans up to 85% of a home's value are available on a purchase or refinance with no cash back, subject to property type, a required minimum credit score and a minimum amount of monthly reserves (i.e., you must set aside enough money in reserve to make a specified number of monthly mortgage payments principal, interest, taxes, insurance and assessments after the loan closes). Product restrictions apply. Jumbo loans available up to $9.5 million. For loan amounts greater than $3MM (or $2MM for investment properties), customers must meet post-closing asset requirements to qualify. Additional restrictions may apply. Please contact a Chase Home Lending Advisor for details.
2. The DreaMaker mortgage is only available for purchase and no-cash-out refinance of a primary residence 1-4 unit property for 30-year fixed-rate terms. Income limits and homebuyer education apply on a DreaMaker mortgage.
3. FHA loans require an up-front mortgage insurance premium (UFMIP), which may be financed, or paid at closing, and monthly premiums will apply.
4. Veterans, Servicemembers, and members of the National Guard or Reserve may be eligible for a loan guaranteed by the U.S. Department of Veteran Affairs (VA). A Certificate of Eligibility (COE) from the VA is required to document eligibility. Restrictions and limitations apply.
5. Property search is provided by HouseCanary, Inc. (HouseCanary), a licensed real estate brokerage. HouseCanary, powered by ComeHome, is not affiliated with JPMorgan Chase, N.A. (Chase). ComeHome is provided to you as a courtesy. Chase is not responsible for the real estate services and the search results provided by ComeHome. Restrictions and limitations apply to the access of Chase MyHome.
6. Tools and calculators are provided as a courtesy to help you estimate your mortgage needs. Results shown are estimates only. Speak with a Chase Home Lending Advisor for more specific information. Message and data rates may apply from your service provider.
7. Important Notice to Servicemembers and Their Dependents: This refinance offer may not be advantageous to you if you are currently eligible for benefits provided by the Servicemembers Civil Relief Act (SCRA). If you are an SCRA-eligible customer and have questions about the SCRA or about this refinance offer, please discuss with your Home Lending Advisor. The amount you save on a refinanced mortgage may vary by loan. If a refinanced mortgage has a longer term than remains on your current loan, you will incur additional interest charges for the extended term.
8. For the Adjustable-Rate Mortgage (ARM) product, interest is fixed for a set period of time, and adjusts periodically thereafter. At the end of the fixed-rate period, the interest and payments may increase according to future index rates. The APR may increase after the loan closes.
9. The annual percentage rate (APR) is the cost of credit over the term of the loan expressed as an annual rate. The APR shown here is based on the interest rate, any points, and mortgage insurance for FHA loans. It does not take into account the processing fee or any other loan-specific finance charges you may be required to pay. Rates are estimated by state and actual rates may vary. Rate, points and APR may be adjusted based on several factors, including, but not limited to, state of property location, loan amount, documentation type, loan type, occupancy type, property type, loan to value and your credit score. Your final rate and points may be higher or lower than those quoted based on information relating to these factors, which may be determined after you apply.
Tools and calculators are provided as a courtesy to help you estimate your mortgage needs. Results shown are estimates only. Speak with a Chase Home Lending Advisor for more specific information. Message and data rates may apply from your service provider.
FHA loans require an up-front mortgage insurance premium (UFMIP), which may be financed, or paid at closing, and monthly premiums will apply.
For the Adjustable-Rate Mortgage (ARM) product, interest is fixed for a set period of time, and adjusts periodically thereafter. At the end of the fixed-rate period, the interest and payments may increase according to future index rates. The APR may increase after the loan closes.
The NMLS ID is a unique identification number that is issued by the Nationwide Mortgage Licensing System and Registry (NMLS) to each Mortgage Loan Originator (MLO)
JPMorgan Chase does not offer tax advice. Please consult your tax advisor about the deductibility of interest and other charges.
All home lending products except IRRRL are subject to credit and property approval. Rates, program terms and conditions are subject to change without notice. Not all products are available in all states or for all amounts. Other restrictions and limitations apply.
Home lending products provided by JPMorgan Chase Bank, N.A. Member FDIC
2. The DreaMaker mortgage is only available for purchase and no-cash-out refinance of a primary residence 1-4 unit property for 30-year fixed-rate terms. Income limits and homebuyer education apply on a DreaMaker mortgage.
3. FHA loans require an up-front mortgage insurance premium (UFMIP), which may be financed, or paid at closing, and monthly premiums will apply.
4. Veterans, Servicemembers, and members of the National Guard or Reserve may be eligible for a loan guaranteed by the U.S. Department of Veteran Affairs (VA). A Certificate of Eligibility (COE) from the VA is required to document eligibility. Restrictions and limitations apply.
5. Property search is provided by HouseCanary, Inc. (HouseCanary), a licensed real estate brokerage. HouseCanary, powered by ComeHome, is not affiliated with JPMorgan Chase, N.A. (Chase). ComeHome is provided to you as a courtesy. Chase is not responsible for the real estate services and the search results provided by ComeHome. Restrictions and limitations apply to the access of Chase MyHome.
6. Tools and calculators are provided as a courtesy to help you estimate your mortgage needs. Results shown are estimates only. Speak with a Chase Home Lending Advisor for more specific information. Message and data rates may apply from your service provider.
7. Important Notice to Servicemembers and Their Dependents: This refinance offer may not be advantageous to you if you are currently eligible for benefits provided by the Servicemembers Civil Relief Act (SCRA). If you are an SCRA-eligible customer and have questions about the SCRA or about this refinance offer, please discuss with your Home Lending Advisor. The amount you save on a refinanced mortgage may vary by loan. If a refinanced mortgage has a longer term than remains on your current loan, you will incur additional interest charges for the extended term.
8. For the Adjustable-Rate Mortgage (ARM) product, interest is fixed for a set period of time, and adjusts periodically thereafter. At the end of the fixed-rate period, the interest and payments may increase according to future index rates. The APR may increase after the loan closes.
9. The annual percentage rate (APR) is the cost of credit over the term of the loan expressed as an annual rate. The APR shown here is based on the interest rate, any points, and mortgage insurance for FHA loans. It does not take into account the processing fee or any other loan-specific finance charges you may be required to pay. Rates are estimated by state and actual rates may vary. Rate, points and APR may be adjusted based on several factors, including, but not limited to, state of property location, loan amount, documentation type, loan type, occupancy type, property type, loan to value and your credit score. Your final rate and points may be higher or lower than those quoted based on information relating to these factors, which may be determined after you apply.
Tools and calculators are provided as a courtesy to help you estimate your mortgage needs. Results shown are estimates only. Speak with a Chase Home Lending Advisor for more specific information. Message and data rates may apply from your service provider.
FHA loans require an up-front mortgage insurance premium (UFMIP), which may be financed, or paid at closing, and monthly premiums will apply.
For the Adjustable-Rate Mortgage (ARM) product, interest is fixed for a set period of time, and adjusts periodically thereafter. At the end of the fixed-rate period, the interest and payments may increase according to future index rates. The APR may increase after the loan closes.
The NMLS ID is a unique identification number that is issued by the Nationwide Mortgage Licensing System and Registry (NMLS) to each Mortgage Loan Originator (MLO)
JPMorgan Chase does not offer tax advice. Please consult your tax advisor about the deductibility of interest and other charges.
All home lending products except IRRRL are subject to credit and property approval. Rates, program terms and conditions are subject to change without notice. Not all products are available in all states or for all amounts. Other restrictions and limitations apply.
Home lending products provided by JPMorgan Chase Bank, N.A. Member FDIC