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"Pointing You in the Right Direction"

 

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, February 3, 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          -0.375*        3.588                 **Call or Complete a "Quick Quote" for
3.625          -1.125*        3.655                       the most current rates and fees**           

3.750          -1.875*        3.750    *Rebate for Closing Costs                                                     PF

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

Rate    Points/Rebate   APR

3.625          -0.125*        3.780                 **Call or Complete a "Quick Quote" for
3.750          -0.875*        3.750                       the most current rates and fees**                    

3.875          -1.750*        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          -1.000*        3.566                 **Call or Complete a "Quick Quote" for
3.625          -1.750*        3.625                       the most current rates and fees** 

3.750          -2.500*        3.750    *Rebate for Closing Costs                                                     PF

15 Year Fixed Conforming to $417,000

Rate    Points/Rebate   APR

3.000          -1.250*        3.197                 **Call or Complete a "Quick Quote" for                    IB

3.125          -1.750*        3.125                       the most current rates and fees**                       IB

3.250          -2.375*        3.250    *Rebate for Closing Costs                                                      IB

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

Rate    Points/Rebate   APR

3.250          -1.250*        3.250                 **Call or Complete a "Quick Quote" for                     IB

3.375          -1.750*        3.375                       the most current rates and fees**                        IB

3.500          -1.875*        3.500    *Rebate for Closing Costs                                                       IB

10 Year Fixed Conforming to $417,000

Rate    Points/Rebate   APR           

2.875          -1.125*        2.899                 **Call or Complete a "Quick Quote" for                     IB  

3.000          -1.875*        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: 2/3/2012 - 23 hours ago
Posted To: MBS CommentaryMBS Live : MBS RECAP Open MBS Live Dashboard FNMA 3.5 103-24 : -0-10 FNMA 4.0 105-17 : -0-09 FNMA 4.5 106-26 : -0-04 FNMA 5.0 108-01 : -0-02 GNMA 3.5 105-02 : -0-11 GNMA 4.0 107-24 : -0-07 GNMA 4.5 109-03 : -0-05 GNMA 5.0 110-27 : -0-03 FHLMC 3.5 103-16 : -0-09 FHLMC 4.0 105-06 : -0-08 FHLMC 4.5 106-09 : -0-04 FHLMC 5.0 107-20 : -0-01 Pricing as of 4:02 PM EST Afternoon Market Updates A recap of MBS Market Updates provided by MND Analysts and streamed live to the MBS Live Dashboard . 1:54PM : NY Files Lawsuit Against Big Banks for Deceptive and Fraudulent Use of MERS Attorney General Eric T. Schneiderman today filed a lawsuit against several of the nation?s largest banks charging that the creation and use of a private national mortgage electronic registry system known as MERS has resulted in...(read more)Forward this article via email:  Send a copy of this story to someone you know that may want to read it.
MERS, Banks Sued by New York State; MERSCORP Responds - 23 hours ago
Posted To: MND NewsWireThree major banks and Virginia-based MERSCORP, Inc. and its subsidiary Mortgage Electronic Registrations Systems ( MERS ) were sued Friday by the state of New York. The suit, filed by the state's Attorney General Eric T. Schneiderman , charges that the creation and use of a privately national electronic registration system, MERS, "has resulted in a wide range of deceptive and fraudulent foreclosure filings in New York state and federal courts, harming homeowners and undermining the integrity of the judicial foreclosure process." Further, the lawsuit charges that the employees and agents of the three banks, Bank of America, J.P. Morgan Chase, and Wells Fargo , acting as "MERS certifying officers," have repeatedly submitted court documents containing false and misleading information that made...(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 Higher Following Employment Report - 1 day ago
Posted To: Mortgage Rate WatchThe monthly Employment Situation Report was released at 8:30am this morning, with much better-than-expected results. Stocks rallied sharply and most every interest rate in fixed-income markets moved higher. The economic optimism created by this sort of data tends to increase demand for riskier investments like stocks and lower demand for things like fixed-income notes and bonds. MBS (the "mortgage backed securities" that most directly govern mortgage rates) fall into this fixed-income sector, and definitely weakened following the jobs data. As a result, Mortgages Rates moved higher at their fastest pace in some time, traversing most of this week's territory, but leaving Best-Execution rates mostly at 3.875%. (learn more about how we calculate Best-Execution in THIS POST ). We'd said yesterday...(read more)Forward this article via email:  Send a copy of this story to someone you know that may want to read it.
Geithner Outlines Accomplishments, Future of Financial Reform - 1 day ago
Posted To: MND NewsWireTreasury Secretary Timothy Geithner told the Financial Stability Oversight Council that the financial system is getting stronger and safer and that much of the excess risk-taking and careless financial practices that caused so much damage has been forced out. However, he said, "These gains will erode over time if we are not able to put our full reforms into place." He outlined the basic framework has been laid, with new global agreements to limit leverage, rules for managing the failure of a large firm and the new Consumer Financial Protection Bureau (CFPB) up and running, and the majority of the new safeguards for derivatives markets proposed. Geithner ticked off the major accomplishments of reform. First, banks now face much tougher limits on risk which are critical to reducing the risk of...(read more)Forward this article via email:  Send a copy of this story to someone you know that may want to read it.
HOPE NOW Conference Focused on Military Families, Mediation - 1 day ago
Posted To: MND NewsWireHOPE NOW, the voluntary private sector alliance of mortgage industry stakeholders, recently concluded a two day conference in Washington which focused on assistance to military homeowners and foreclosure mediation. One group of servicers, investors, and housing counselors met with regulators, investors, and members of the military to discuss ways of reaching military families facing foreclosure because of their unique situation which includes Permanent Change of Station and other issues. A second group of HOPE NOW stakeholders met with judges, attorneys, and several state housing agencies to discuss best standards related to foreclosure mediation. John Dalton, President of the Housing Policy Council, former Secretary of the Navy, and a panelist at the conference said "The current housing crisis...(read more)Forward this article via email:  Send a copy of this story to someone you know that may want to read it.