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"Pointing You in the Right Direction"

 

"Californians Helping Californian's Loan Needs"

 

Customers First!

Borrowers who are happy with the mortgage loan we helped them get are more important to us than anything else. Our goal is to make the loan process as simple and worry-free as possible. We pride ourselves in offering the highest level of customer service, and appreciate the opportunity to earn your business. Whether you want to refinance for a lower mortgage rate, get a new home mortgage, home equity loan or second mortgage, our purpose is to satisfy your needs. By putting you first, we assure you a pleasurable transaction.

Get Fast Answers!

At our website you can find tools available to answer virtually any mortgage question. Trying to decide if now is a good time to refinance? Check out our Refinance Mortgage Calculator. Wondering if a new home equity loan or second mortgage can lower your monthly payments? Use our Debt Consolidation Mortgage Calculator! Confused by all the loan programs from which to choose? Our Loan Program page will help you find the right type of loan for you. Also, we'll be happy to prepare a personalized mortgage quote for the home mortgage program of your choice.

Mortgage Rates for Friday, May 18, 2012

Zero Cost Loan Programs Available! 

If You Do Not See the Rate, Points, Rebate, Loan Term or Program

Call or Email Us! We Have It! 

Government's "HARP 2" Now Available!

Owe more than the value of your home? We can help! Call us for details.

30 Year Fixed Conforming to $417,000                                                              Rate    Points/Rebate      APR

3.375          -0.500*           3.399                 **Call or Complete a "Quick Quote" for
3.500          -1.250*           3.523                       the most current rates and fees**                        

3.625          -1.625*           3.633    *Rebate for Closing Costs                                                       IB

30 Year Super Conforming $417,001 to $625,500**

Rate    Points/Rebate      APR

3.750          -1.125*           3.750                 **Call or Complete a "Quick Quote" for                IB
3.875          -1.875*           3.875                       the most current rates and fees**                   IB

4.000          -2.625*           4.000    *Rebate for Closing Costs                                                       IB

30 Year Fixed FHA  ***3.5% Down Payment on Purchases***

Rate    Points/Rebate      APR

3.500          -1.875*           3.533                 **Call or Complete a "Quick Quote" for
3.625          -2.375*           3.625                       the most current rates and fees** 

3.750          -4.000*           3.750    *Rebate for Closing Costs                                                       IB

20 Year Fixed Conforming to $417,000

Rate    Points/Rebate      APR

3.250          -0.250*           3.266                 **Call or Complete a "Quick Quote" for                 IB
3.375          -1.125*           3.399                      the most current rates and fees**                     IB

3.500          -2.000*           3.500    *Rebate for Closing Costs                                                        IB

15 Year Fixed Conforming to $417,000

Rate    Points/Rebate      APR

2.750          -0.625*           2.769                 **Call or Complete a "Quick Quote" for                 IB

2.875          -1.375*           2.899                       the most current rates and fees**                    IB

3.000          -2.125*           3.000    *Rebate for Closing Costs                                                        IB

15 Year Super Conforming $417,001 to $625,500** 

Rate    Points/Rebate      APR

2.875          -0.500*           2.899                 **Call or Complete a "Quick Quote" for                 IB

3.000          -1.250*           3.000                       the most current rates and fees**                    IB

3.125          -1.625*           3.125    *Rebate for Closing Costs                                                        IB

10 Year Fixed Conforming to $417,000

Rate    Points/Rebate      APR           

2.750          -1.625*           2.750                 **Call or Complete a "Quick Quote" for                 IB  

2.875          -2.250*           2.875                       the most current rates and fees**                    IB 

3.000          -3.000*           3.000    *Rebate for Closing Costs                                                        IB

5 Year Fixed Conforming to $417,000

Rate    Points/Rebate      APR           

2.625          -1.375*           2.675                 **Call or Complete a "Quick Quote" for                    

2.750          -1.875*           2.750                       the most current rates and fees**                       

2.875          -2.125*           2.875    *Rebate for Closing Costs                                                       IB

 

Above Conforming & Super Conforming rates, points and APRs assume a 30 day lock for owner occupied single family residences, LTV & CLTV (Loan to Value) of 75% or less, rate and term refinance, credit score (FICO) of 740 or above and a escrow/impound account for property taxes and insurance. $417,000 & $625,500 used for APR assumption. * Rebate for Closing Cost may cover all or part of the closing costs. **Super Conforming maximum loan amounts change based on county.

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Mortgage News Daily

MBS RECAP: Slightly Bumpy Ride Late, But Important Level Holds - 16 hours ago
Posted To: MBS CommentaryMBS Live : MBS Afternoon Market Summary 104-16 Turned out to be an important level for Fannie 3.5's today. There's more than the usual amount of content in the 'alerts and updates' section below if you're looking to get caught up on how it played out. Long story short, bond markets held up quite well on a Friday that mostly saw money flowing OUT of both sides of the market (i.e. equities and fixed-income both lower in price today). But even the late day volatility left the 104-16 technical level intact through 4pm. From now until MBS go out for the day, it's not out of the realm of possibility to see illiquidity take things a bit lower, but whether or not lenders react to that depends on the lender in question. If it were us, we'd call it a week. MBS Pricing Snapshot Pricing shown below is...(read more)Forward this article via email:  Send a copy of this story to someone you know that may want to read it.
Mortgage Rates Lower Still, But Progress Is Slow - 17 hours ago
Posted To: Mortgage Rate WatchMortgage Rates improved marginally from yesterday's new all-time lows. Without any major scheduled events to digest, bond markets were left to their own devices and paid a decent amount of attention to a sell-off in stocks. When yields in the broader bond markets move lower, MBS (the "mortgage-backed securities" that most directly influence lenders' rates) tend to move lower in yield as well, allowing lenders to off lower costs, lower rates, or a combination of the two. With the recent move lower to a 3.75% Best-Execution level for 30yr Fixed Conventional loans, today's improvements were seen more in the form of decreased borrowing costs, or increased lender credit, as the case may be. If you're a first-time or even frequent reader looking for a bit more clarity on "best-execution," we just...(read more)Forward this article via email:  Send a copy of this story to someone you know that may want to read it.
Mortgage Registry Now Includes all States, Federal Lenders - 18 hours ago
Posted To: MND NewsWireThe State Regulatory Registry, LLC (SRR) and the Nationwide Mortgage Licensing System (NMLS) have issued an Annual Report for 2011. The report notes that 2011 was the first year that all state mortgage regulatory agencies utilized NMLS to manage mortgage loan originator (MLO) licenses on the system. In addition, in January the NMLS Federal Registry became fully operational. By the end of the year the Federal Registry contained active registrations for 11,081 institutions and 375,654 registered MLOs. According to the report, for the first time almost all of the nearly half-million individual mortgage loan originators (MLOs) along with their license or registration status and other information are now available to the general public on-line through NMLS Consumer Access. By the end of 2011 NMLS...(read more)Forward this article via email:  Send a copy of this story to someone you know that may want to read it.
MBS MID-DAY: Relatively Uneventful Despite Slight Weakness - 21 hours ago
Posted To: MBS CommentaryMBS Live : MBS Morning Market Summary As the trading day progresses, things are shaping up to be increasingly uneventful even though MBS are down 6/32nds. Reason being: everything has been well contained, and what little weakness we've seen has occurred in a rather orderly fashion and without major volume spikes. Bond markets are staying reasonably connected to stocks, given the lack of market-moving data and European headlines. In short, today looks like the "wind down" that we thought yesterday might have been. We're not completely out of the woods as far as potential volatility is concerned. But as far as coasting into the weekend with minimal losses, it's "so far so good." MBS Pricing Snapshot Pricing shown below is delayed, please note the timestamp at the bottom. Real time pricing is...(read more)Forward this article via email:  Send a copy of this story to someone you know that may want to read it.
Realtors Show Clout, 'Protecting The American Dream' in DC Rally - 22 hours ago
Posted To: MND NewsWireRealtors® massed on the Washington Mall on Thursday to show their strength in a year in which their trade organization, The National Association of Realtors (NAR) seems anxious on several levels. An estimated 15,000 Realtors gathered at the foot of the Washington Monument to, in the words of NAR President Moe Veissi "protect the American Dream of homeownership." According to a press release regarding the Rally to Protect the American Dream as the event was characterized, "Realtors® are working to ensure that people who want to own a home or invest in real estate and can responsibly afford to do so will continue to have the opportunity to do that." NAR is currently concerned about discussions to include a requirement for a 20 percent downpayment in the proposed definition of Qualified...(read more)Forward this article via email:  Send a copy of this story to someone you know that may want to read it.