Best Mortgage Rates From The Best Mortgage Companies
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Fixed Rate Terms: 10,15, 20, 25, 30 and 40yr
Adjustable Rate Terms: 1,3,5,7 and 10yr
Other programs available are such as No Income Verification and Interest Only Payment Loan Programs.

- If you have no equity in your home but need to refinance no problem!
- 125% Loan to value available if you refinance. This simply means you can refinance even if you owe more then
your house is worth.
- Ask About a "NO COST CLOSING COST LOAN"
- It is also possible to buy down rates meaning you would pay a fee to receive a lower interest rate.
- In most cases you can have your approval within 60 minutes after being contacted from a Loan Officer.
- Your interest rate may vary depending on factors such as the state from which you are applying, your credit
history and down payment.
- Please apply now for a custom quote. We can help regardless of your situation!

- VA loans don't require down payments.
- FHA Loans require a 3.5% down payment which can be provided by a gift from a relative.
- 97.75% Financing with 3% Seller Concession with FHA Loans.
- Up to 6% seller concession depending on down payment.
Miscellaneous:
Our Mortgage Rates Consistently Beat The National Average And There Are No Application Fees To Receive a Custom Quote
Program                                Rate       Points      APR     
30 Year Fixed                     4.250%     0.000%   4.250%         
15 Year Fixed                     3.750%     0.000%   3.75%   
Adjustable Rates:
FHA / VA Rates:
- FHA requires a 3.5% Down Payment but it can be gifted
from a relative.
- We Have FHA Lenders That Go Down To a 540 Credit Score
- VA loans require No Down Payment and No Mortgage
Insurance Charged.
Program                                  Rate        Points      APR     
5yr ARM                                   3.000%    0.00%     3.000%    
5Yr ARM - Interest Only       3.125%     0.00%     3.125%
Program                         Rate      Points      APR     
30 Year Fixed              4.250%      0.00       4.250%       
15 Year Fixed              4.500%      0.00%    4.500%        
5yr ARM                        3.500%      0.00       3.500%       
30 Year Fixed               5.250%      0.000%  5.250%          
15 Year Fixed               4.500%      0.000%  4.500%          
Conforming Loans Amounts Under $417,000
Conforming Loans - Loan Amounts Under $417,000
Program                                 Rate      Points      APR  
5yr ARM                                  3.750%    0.00%     3.750%     
5yr ARM - Interest Only       3.875%    0.00%     3.875%
Program                         Rate      Points      APR     
30 Year Fixed              4.500%      0.00       4.500%         
15 Year Fixed              4.125%      0.00       4.125%  
Super Conforming Loan Amounts  $417,000 - $625,500
Loan Limits Will Vary On Depending on State & County
Jumbo Loans Amounts Over $625,500
Fixed Rates:
Super Conforming Loan Amounts  $417,000 - $625,500
Limits Will Vary Depending on State & County
Loan Limits Will Vary On Depending on State & County
Loan Limits Will Vary On Depending on State & County
Apply online.
You will then be contacted
to discuss your options. At
that time confirm which
program and rate you wish
to move forward with.
Written confirmation will
then be supplied by either
fax or e-mail.
Average Rates Week Of  July 22nd
As Per Freddie Mac:
30yr Fixed Rate at  4.56%
with 0.70% points
15yr Fixed Rate at  4.03%
with 0.70% points
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