Phu Financial
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Welcome to Phu Financial, offering exceptional customer service
since 1999. We appreciate you choosing us as your home financing company. So throughout the loan process you will be contacted by your loan officer Monday – Friday 9:00am – 6:00pm, Pacific
Standard Time. Below you will find our contact information for Phu Financial (Phu Phan), the #1 Team. Remember, we work for you so please do not he
07/13/2026
The “Take It or Leave It” Attitude Is Fading from the Market – What That Means for You
Sellers and builders are both giving buyers more to work with this year. Want to know what’s realistic to expect in concessions and incentives in our market? Let’s connect.
The “Take It or Leave It” Attitude Is Fading from the Market – What That Means for You Negotiations are back. More buyers are asking for better deals, and more sellers are giving them. Builders are throwing in extras, too.
07/09/2026
Today’s buyers are putting less money down. And that’s reassuring if you’ve been feeling priced out of the market lately.
The typical buyer put down about $23,400 in early 2026 – that's a 19% year-over-year dip, and the lowest down payments have been since 2021. How’s that possible?
A more balanced market and more moderate home prices are easing the pressure to put a big sum down. Plus, more buyers are opting for loans that require little or no down payments, like FHA and VA loans.
That combination is helping more people stop waiting and start buying.
So, if saving’s been the holdup, it’s time to explore your options.
The Market Is Opening Up a Bit for First-Time Buyers
Think first-time buyers are getting shut out of the market? Think again. They just made up 35% of all buyers – the highest share of the market since 2020. And that’s up from just 30% a year ago. As more homes hit the market, more first-timers are finding their way in. So don’t give up. Let’s connect to see if buying is possible for you too.
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Sky Park Cir
Irvine, CA
92614
