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| 30 Year Fixed : 5.4% |
| Traditional 30 year mortgage - National Average |
| 15 Year Fixed : 4.89% |
| Traditional 15 year mortgage - National Average |
| 5/1 ARM : 4.98% |
| 5 Year Fixed / adjustable rate mortgage - National Average |
| 3/1 ARM : 4.94% |
| 3 Year Fixed / adjustable rate mortgage - National Average |
| CODI : 1.893% |
| Certificate of Deposit Index |
| COSI : 3.510% |
| Cost of Savings Index |
| MTA : 1.051% |
| Monthly Treasury Average |
| COFI-11th District : 1.832% |
| Cost of Funds Index 11th District |
| COFI-Federal : 1.926% |
| Cost of Funds Index |
| Federal Funds : 0.25% |
| Federal Funds Rate |
| Prime Rate : 3.25% |
| Wall Street Journal Prime Rate |
| 1 Year CMT : 0.49% |
| Constant Maturity Treasury |
| 30 Year Treasury : 4.32% |
| 30 Year Treasury Bond |
| 12 Month LIBOR : 1.576% |
| 12 Month USD LIBOR Index |
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A+ Rating with the Better Business Bureau!
Why use a mortgage broker instead of a bank? We know you want the best possible rate and that you want to hold on to as much money as you can. So why use a mortgage broker when you could just walk into your bank and get a loan there? There are two reasons: 1. A broker can search a large number of funding sources -- hundreds of banks as well as private lenders -- to find you the best rate you can qualify for. Your bank can only offer you what they have, and nothing else. If you want to find out if your bank is giving you the best terms, you don't ask the bank...you ask a broker. 2. Better service. Bankers are on salary and are only available during business hours. You can reach your broker after hours, on weekends...whenever. A broker doesn't get paid until the deal closes, so he has the motivation to take excellent care of the client...you! You have nothing to lose except money and bad service. We're Easy!There's no denying that credit has tightened and it's harder to get a home loan. The attractive No Documentation Loans/ No Income Loans are gone but we won't harass you by asking you for more and more paperwork. We are experienced professionals. We will know what documents we need from you at time of application. We won't ask you for tax returns when only a W-2 is needed; we won't ask you for all of your bank/investment/retirement statements when one set will suffice. Prefer to complete the application at your leisure? You can do so online or we can email you a complete application package. |
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