Rates

You've basically come for one thing, and that's to get the lowest rates. When you look in the Newspaper, call lenders or even go on the internet looking for rates, most likely you were given ONE rate. You know or should know that the rate given does not apply to everyone. The reason is that everyone has a different; credit, income, expenses, loan amount, property type, State where property is located, purchase or refinance, owner occupied or investor, etc.

Please note that the rate quoted will only be good for that day usually until 3PM. In order to lock the rates you will have to submit the loan application with the items requested by the lender. So it's basically a reference point. Don't be led to believe otherwise. That's why there are so many refinances, not just because of lower rates that are happening today.

When comparing a rate quote, make sure you note the points and costs. Rates and points go together so it is easy to be mislead by some lenders who only quote rates and not points. Also, only use rate quotes as an indication of how a company ranks but realize that it is only a quote and you should be concerned with getting an approval. Once your loan is approved, it will come with rates, points, costs and terms. A list of closing costs that you should be aware of are: Appraisal, credit report fee, processing fee, underwriting fee, doc order fee, tax service fee, points, flood cert fee, wire fee, appraisal review fee, recording fees, notary fees, escrow and title fees. These are most of the fees in addition to an impound account for taxes and insurance, if any. Please be advised that these fees are part of your loan and should be included in the Good faith estimate. If you don't see it, they will show up at closing when it's too late for you to make any changes. You will see 99% of all charges when you apply for a loan with us.

Please click below the type of loan that you are needing rates for. These rates are for Residential 1-4 Units for both owner occupied and non-owner occupied. For loan requests on Commercial Properties, please click here

1st Mortgage from $150,000 to $417,000:   

1st Mortgage, JUMBO's from $417,001 to $10,000,000: 

1st Mortgages with less than perfect credit: 

2nd Mortgages up to and over the value of the property: 

To go directly to the Loan Application