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Z.R Home and Lending

Name: Z.R Home and Lending
Address: 118 park Boulevard, Millbrae, CA, US
Telephone: +14156525457

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11/03/2026

Finally, I can sleep💤

Over and over again, over and over again;

98 points specially approved to fall asleep tonight.

Good night🌙

终于可以睡了💤

反反复复，复复反反；

98分今晚特批自己进入梦乡
晚安🌙

10/16/2026

Seller message: "You have a lot of resources."

The partners around me have the same personality as me☺️

Do things efficiently, encounter difficulties and critical moments, can help and bear it 😃

卖家 message：“你有很多资源。”

身边的伙伴，跟我性格一样☺️

做事高效，遇到困难、关键时刻，都帮得上、扛得住😃

10/14/2026

🏡 ITIN Exclusive Mortgage | You can also apply for a house purchase loan without SSN!

If you have an ITIN tax number, you can also have your own home. Flexible income audit method, give you one more choice to buy a house!

✅ The minimum down payment for buying a house is 20%

✅ The loan amount is up to 1.5 million US dollars

✅ The minimum credit score is 660

✅ No need for mortgage insurance (MI)

✅ Accept a variety of income proof materials

✅ Down payment can be donated.

✅ The debt-income ratio can reach up to 50%

✅ It only takes at least 3 months to reserve funds.

💰 Already have real estate, do you need to cash out?

The maximum loan ratio of cashing out heavy loans is 75%, and the actual cash withdrawal can reach up to 500,000 US dollars.

🏠 It is applicable to self-housing and second residence. The property types include detached houses, PUDs, apartments and 2-4 houses. Provide 15-year and 30-year fixed interest rates, as well as a variety of adjustable interest rate loan plans.

The application requires at least 2 years of living and working experience in the United States, at least 48 months of credit record, and provide valid government documents and IRS ITIN letter (CP565).

Welcome to contact us to learn about your application qualifications and loan plans.

Jen He

📞 (415) 652-5457

10/14/2026

🩺 Exclusive mortgage for medical professionals | You can enjoy zero down payment if you meet the conditions!

MedFlex medical mortgage helps doctors and qualified medical professionals easily start home ownership plans:

✅ Up to 100% financing, zero down payment

✅ No need for mortgage insurance (MI)

✅ If student loans meet the conditions, they will not be included in the debt-income ratio.

✅ The loan amount is up to 2 million US dollars

✅ The minimum credit score is 680, and the debt income ratio can reach up to 50%.

✅ Accept employment notice or employment contract, suitable for start-up medical professionals

Applicable occupations include doctors, dentists, podiats, pharmacists, veterinarians, anesthesia nurses (CRNA), nurse practitioners (NPs), and qualified residents and specialists.

🏡 Only for self-ombeding single-family residences, 15-year and 30-year fixed-rate loans are provided.

Welcome to contact us to learn about your application qualifications and loan plan!

Jen

📞 (415) 652-5457

10/07/2026

It's too hot🥵, I feel that my body has sounded the alarm, and I can only bulge my face like a puffer fish🐡, indicating danger⚠️😂

I ran Spartan in Las Vegas on Sunday, a 3-mile race, and the high temperature directly made it difficult🔥🫣 There was no shade throughout the whole process, and I really felt that I was about to be sunburned.

If the more difficult the race is, the more memorable it is, then this one is definitely one.

太热了🥵，感觉身体已经拉响警报，只能像河豚🐡一样鼓起脸，表示危险⚠️😂

周日在 Las Vegas 跑了场 Spartan，3 英里的赛程，高温直接把难度拉满🔥🫣 全程没有树荫，真的感觉自己快被晒干了

如果越难的 race 越让人记得住，那这场绝对算一个

10/07/2026

After running, I went to Horseshoe Bay, Grand Canyon and Antelope Canyon.

From Nevada to Utah to Arizona, through Highway 66, the symbol of freedom in the United States, and finally back to Las Vegas.

The scenery in front of me is pulling 👩‍🎨's obsession with black, light and shadow and light and dark, and the flow between the vast world on the canvas.

跑完步，去了马蹄湾，大峡谷和羚羊谷等地

从内华达州到犹他州，再到亚利桑那州，途经美国象征自由的66号公路，最后回到拉斯维加斯

眼前的景色，牵动着👩‍🎨对黑色、光影与明暗的迷恋，和画布上宽广天地间的流动

10/07/2026

The car is racing on Highway 66. The road in the distance is like a ribbon tanned white by the sun, reaching deep into the wasteland. Outside the window, the brown hills are gently undulating, cacti and shrubs stand quietly in the heat wave, and the mottled road signs have strange place names written on them.

From the sunrise to the sunset, the blues in the stereo can be switched freely with the country folk songs. Put your hand out of the window and face the wind all the way. The dry heat of the desert poured into the carriage, and the galloping scenery gradually blurred the obstacles of the past and the worries of the future, leaving only the moment: sunshine, music, and the way forward.

Freedom is as precious as a diamond in this era. Every mile of Highway 66, I want to feel it well and live up to it.

The world is vast, and the heart is unrestrained.

Respect this moment, respect freedom🌟🌟🌟

汽车奔驰在66号公路上。远处的道路像一条被太阳晒得发白的丝带，伸向荒原深处。窗外，褐色山丘低缓起伏，仙人掌与灌木静立在热浪里，斑驳的路牌写着陌生的地名

从朝阳驶向落日，音响里的蓝调与乡村民谣自由切换。手伸出窗外，迎着一路掠过的风。沙漠的干热涌进车厢，疾驰的风景让过去的牵绊、未来的忧虑渐渐模糊，只剩下此刻：阳光、音乐，以及不断向前的路

自由是这个时代像钻石一样珍贵的东西。驶过66号公路的每一英里，都想好好感受它，不辜负它

天地旷远，心无所拘

敬此刻，敬自由🌟🌟🌟

10/01/2026

Dscr (qualify with rent), cash out take 70% of the house valuation in cash

Good interest👍

Dscr （用租金qualify) , cash out 拿现金 70% 房屋估价

好利息👍

10/01/2026

VOE does not check the income, and the funding will be completed next week in 21 days 🌞🌞

VOE不查收入，21 天下周完成funding 🌞🌞

09/29/2026

Enjoy the atmosphere of free creation in the United States.

The work Between Thorns was selected for Ashton Gallery's 12th art exhibition Point of Hue. The selector this time is Daniel Foster, who has worked in the field of art and museums in Southern California for 30 years.

Experience in the variety of real life every day, and keep a piece of pure land in your heart, leaving it to art and yourself❤️

很享受美国自由创作的氛围

作品《Between Thorns》入选Ashton Gallery 的第 12 艺术展 Point of Hue。这次的评选人是 Daniel Foster，他在南加州艺术与博物馆领域工作了三十年

每天在纷繁的现实生活中历练，心里也留着一片净土，留给艺术和自己❤️

Address

118 Park Boulevard
Millbrae, CA

Telephone

+14156525457

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