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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, January 27, 2012

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

Call or Email Us! We Have It!

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

3.500          -0.500*        3.588                 **Call or Complete a "Quick Quote" for
3.625          -1.250*        3.655                       the most current rates and fees**           

3.750          -2.000*        3.750    *Rebate for Closing Costs                                                     PF

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

Rate    Points/Rebate   APR

3.625          -0.250*        3.780                 **Call or Complete a "Quick Quote" for
3.750          -1.000*        3.750                       the most current rates and fees**                    

3.875          -1.875*        3.875    *Rebate for Closing Costs                                                     PF

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

Rate    Points/Rebate   APR

3.750          -3.125*        3.750                 **Call or Complete a "Quick Quote" for
3.875          -3.625*        3.875                       the most current rates and fees** 

4.000          -4.000*        4.000    *Rebate for Closing Costs                                                     IB

20 Year Fixed Conforming to $417,000

Rate    Points/Rebate   APR

3.500          -1.125*        3.566                 **Call or Complete a "Quick Quote" for
3.625          -1.875*        3.625                       the most current rates and fees** 

3.750          -2.625*        3.750    *Rebate for Closing Costs                                                     PF

15 Year Fixed Conforming to $417,000

Rate    Points/Rebate   APR

3.000          -0.875*        3.197                 **Call or Complete a "Quick Quote" for                    IB

3.125          -1.625*        3.125                       the most current rates and fees**                       IB

3.250          -2.750*        3.250    *Rebate for Closing Costs                                                      IB

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

Rate    Points/Rebate   APR

3.250          -1.625*        3.250                 **Call or Complete a "Quick Quote" for                     IB

3.375          -2.125*        3.375                       the most current rates and fees**                        IB

3.500          -2.375*        3.500    *Rebate for Closing Costs                                                       IB

10 Year Fixed Conforming to $417,000

Rate    Points/Rebate   APR           

2.875          -1.375*        2.899                 **Call or Complete a "Quick Quote" for                     IB  

3.000          -2.000*        3.000                       the most current rates and fees**                       IB  

3.125          -2.500*        3.125    *Rebate for Closing Costs                                                       IB

5 Year Fixed Conforming to $417,000

Rate    Points/Rebate   APR         

2.375          -0.625*        2.404                 **Call or Complete a "Quick Quote" for

2.500          -1.125*        2.510                       the most current rates and fees**   

2.625          -1.375*        2.626    *Rebate for Closing Costs                                                      PF

 

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: 1/27/2012 - 5 hours ago
Posted To: MBS CommentaryMBS Live : MBS RECAP Open MBS Live Dashboard FNMA 3.5 103-22 : +0-06 FNMA 4.0 105-19 : +0-04 FNMA 4.5 106-25 : +0-01 FNMA 5.0 107-30 : -0-02 GNMA 3.5 105-03 : +0-04 GNMA 4.0 107-23 : +0-02 GNMA 4.5 109-07 : -0-02 GNMA 5.0 110-24 : -0-08 FHLMC 3.5 103-16 : +0-06 FHLMC 4.0 105-11 : +0-03 FHLMC 4.5 106-08 : +0-00 FHLMC 5.0 107-14 : -0-02 Pricing as of 4:03 PM EST Afternoon Market Updates A recap of MBS Market Updates provided by MND Analysts and streamed live to the MBS Live Dashboard . 2:28PM : ALERT: MBS Hit Day's Highs, Underperforming TSYs in Low Volume The day, and week for that matter, are effectively over. The little volume that's left is exerting a greater degree of influence over the price action than it otherwise might. With little to trade on, and little reason to oppose the...(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 Improve For a 3rd Straight Day, Nearing All-Time Lows Again - 8 hours ago
Posted To: Mortgage Rate WatchMortgages Rates continued their march into better territory today, capping a 3 day effort of improvement following Wednesday's FOMC Announcement. At this point, rates have not only solidified their re-entry into 3.875% Best-Execution levels, but some lenders are once again competitively priced at rates below that (for detail on "best-execution," READ THIS POST ). That said, we've seen a high degree of stratification over the past 3 days as lenders have responded to the bond market rally at different paces. When we say that rate offerings are more stratified, we're talking about various lenders offering increasingly different rates to the same type of borrowers. At a good handful of lenders in our survey, best-execution rates are still at 4.0%, while the bulk have moved down to 3.875%. But a...(read more)Forward this article via email:  Send a copy of this story to someone you know that may want to read it.
AG Holder Announces Structure of MBS Fraud Unit - 8 hours ago
Posted To: MND NewsWireThe formation of the Residential Mortgage-Backed Securities Working Group tasked with investigating mortgage fraud is now official. The new office, which will be part of the Administrations Financial Fraud Enforcement Task Force (FFETF) was first announced by President Obama in his State of the Union speech on Tuesday. At a press conference this morning (video below), Attorney General Eric Holder along with Housing and Urban Development (HUD) Secretary Shaun Donovan, Securities and Exchange Commission (SEC) Director of Enforcement Robert Khuzami and New York Attorney General Eric T. Schneiderman, Holder outlined the mechanics of the working group which will bring together the Department of Justice (DOJ), several state attorneys general and other federal entities to investigate those responsible...(read more)Forward this article via email:  Send a copy of this story to someone you know that may want to read it.
MBS End Week Near All Time Highs, But Benchmark Rally Momentum is Slowing - 9 hours ago
Posted To: MBS CommentaryThe trading day is rapidly growing uneventful and charts suggest that quite a few market participants already have one or more feet out the door for the weekend. The only real pop of volume and volatility was seen around this morning's GDP report, which was generally a mild boon to bond markets. Consumer Sentiment was close enough to consensus as to have been a non-event and everything since then has been even less so. Trading ranges are narrowing... Stocks and Bonds are following each other to a greater extent... and Volumes are rapidly dwindling... Unless something unexpected happens to cause a surge in volume and volatility, game over... bond markets win. Not only is the pivot point seen in the video a ceiling from yesterday, but it was a major ceiling from the day before, after the FOMC...(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: 1/27/2012 - 10 hours ago
Posted To: MBS CommentaryMBS Live : MBS MID-DAY Open MBS Live Dashboard FNMA 3.5 103-18 : +0-02 FNMA 4.0 105-17 : +0-02 FNMA 4.5 106-25 : +0-00 FNMA 5.0 108-01 : +0-01 GNMA 3.5 104-31 : +0-01 GNMA 4.0 107-21 : +0-00 GNMA 4.5 109-06 : -0-03 GNMA 5.0 110-30 : -0-02 FHLMC 3.5 103-12 : +0-02 FHLMC 4.0 105-09 : +0-02 FHLMC 4.5 106-09 : +0-01 FHLMC 5.0 107-17 : +0-01 Pricing as of 11:04 AM EST Morning Market Updates A recap of MBS Market Updates provided by MND Analysts and streamed live to the MBS Live Dashboard . 10:15AM : Fed's Dovish Dudley Says Recovery to Slow in 2012 RTRS ? Fed?s Dudley says much work remains to achieve Fed's dual mandate of employment, price stability RTRS - monetary policy will continue to do its part to support recovery RTRS - action on housing, fiscal policy also needed for recovery RTRS...(read more)Forward this article via email:  Send a copy of this story to someone you know that may want to read it.