Friday’s Rates February 1, 2008
Conforming Mortgage Rates (loan amounts up to $417,000 for 1-unit properties). The conforming rate quote below is based on owner occupied, “full doc” purchase with a minimum credit scores of 680 with an 80% loan to value or lower, a loan amount of $400,000, and with reserves (taxes & insurance) not being waived. Rates quoted are priced based on a 45 day lock with 1 point and there are no prepayment penalties on any of the rates quoted below.
30 Year Fixed: 5.375% (APR 5.533%). Payment per $1000 = $5.60.
30 Year Fixed with 10 Year Interest Only: 5.750% (APR 6.866%). Payment per $1000 = $4.79.
40 Year Fixed: 5.750% (APR 5.878%). Payment per $1000 = $5.33.
7/1 ARM (5/2/5 caps - 2.25 margin): 4.875% (APR 5.878%). Payment per $1000 = $5.33.
7/1 ARM 10 Year Interest Only Payments (5/2/5 caps - 2.25 margin): 5.000% (APR 6.522%). Payment per $1000 = $4.17.
FHA/VA 30 Year Fixed: 5.625% (APR 6.154%). Payment per $1000 = $5.76. (not factoring upfront or monthly MI for FHA).
JUMBO (Non-Conforming) Rates. Pricing is based on the same criteria above, with the exception that the loan amount is $417,001-$650,000 (20% down).
30 Year Fixed: 6.500% (APR 6.657%). Payment per $1000 = $6.32.
30 Year Fixed with 10 Year Interest Only Payments: 6.625% (APR 6.769%). Payment per $1000 = $5.52.
5/1 ARM - 5/2/5 caps - 2.25 margin: 5.500% (APR 6.995%). Payment per $1000 = $5.68.
5/1 ARM Interest Only - 5/2/5 caps - 2.25 margin: 5.500% (APR 7.063%). Payment per $1000 = $4.58.
Please do not select your Mortgage Professional by interest rates alone and do not shop rates by APR. This is just a small sample available of rates and products. Rates are as of Friday, February 1, 2008 at 2:00 p.m. and may change at any time. Available programs may change at anytime as well. This is not a guarantee nor is it a commitment of interest rate. For your personal rate quote or for loan amounts over $650,000, please contact me.
Sphere: Related ContentFriday’s Rates: 30 Year returns to the Mid to Low 5’s January 25, 2008
T.G.I.F! Mortgage interest rates have improved slightly since this morning by 0.125% across the board. Jumbo rates jumped up significantly on Wednesday. And as if this week didn’t provide enough drama, next week is packed with events that assures another volatile ride with mortgage interest rates. As always, I strongly recommend locking. In this market, rates may change as soon as I’ve posted them (one lender I work with provided 6 rate sheets on Wednesday alone).
Conforming Mortgage Rates (loan amounts up to $417,000 for 1-unit properties). The conforming rate quote below is based on owner occupied, “full doc” purchase with a minimum credit scores of 680 with an 80% loan to value or lower, a loan amount of $400,000, and with reserves (taxes & insurance) not being waived. Rates quoted are priced based on a 45 day lock with 1 point and there are no prepayment penalties on any of the rates quoted below.
30 Year Fixed: 5.375% (APR 5.533%). Payment per $1000 = $5.60.
30 Year Fixed with 10 Year Interest Only: 5.750% (APR 6.866%). Payment per $1000 = $4.79.
40 Year Fixed: 5.875% (APR 6.005%). Payment per $1000 = $5.42.
7/1 ARM (5/2/5 caps - 2.25 margin): 5.000% (APR 6.481%). Payment per $1000 = $5.37.
7/1 ARM 10 Year Interest Only Payments (5/2/5 caps - 2.25 margin): 5.125% (APR 6.603%). Payment per $1000 = $4.27.
FHA/VA 30 Year Fixed: 5.750% (APR 6.279%). Payment per $1000 = $5.84. (not factoring upfront or monthly MI for FHA).
JUMBO (Non-Conforming) Rates. Pricing is based on the same criteria above, with the exception that the loan amount is $417,001-$650,000 (20% down).
30 Year Fixed: 6.625% (APR 6.782%). Payment per $1000 = $6.40.
30 Year Fixed with 10 Year Interest Only Payments: 6.750% (APR 6.894%). Payment per $1000 = $5.63.
7/1 ARM - 5/2/5 caps - 2.25 margin: 5.250% (APR 6.606%). Payment per $1000 = $4.38.
7/1 ARM Interest Only - 5/2/5 caps - 2.25 margin: 5.375% (APR 6.721%). Payment per $1000 = $4.48.
Please do not select your Mortgage Professional by interest rates alone and do not shop rates by APR. This is just a small sample available of rates and products. Rates are as of Friday, January 25, 2008 at 12:00 p.m. and may change at any time. Available programs may change at anytime as well. This is not a guarantee nor is it a commitment of interest rate. For your personal rate quote or for loan amounts over $650,000, please contact me.
Sphere: Related ContentFriday’s Rates — Still low! January 18, 2008
Mortgage rates continue to be very attractive, however this may change at a moment’s notice. A rule of thumb to watch for is when the stock markets are tanking, mortgage rates may be improving. This is because investors will seek the safety of bonds (with mortgage rates are based on). The reverse may also be true: when the stock market is hot, mortgage rates may increase. In just this week alone, the Dow has lost 507 points. Mortgage rates are slightly improved over last week’s rates. We did reach 5.25% earlier this week and rates have since inched up slightly. Monday, January 21, 2008 is a holiday to honor Martin Luther King, the markets and many offices (including ours) will be closed.
Conforming Mortgage Rates (loan amounts up to $417,000 for 1-unit properties). The conforming rate quote below is based on owner occupied, “full doc” purchase with a minimum credit scores of 680 with an 80% loan to value or lower, a loan amount of $400,000, and with reserves (taxes & insurance) not being waived. Rates quoted are priced based on a 45 day lock with 1 point and there are no prepayment penalties on any of the rates quoted below.
30 Year Fixed: 5.375% (APR 5.533%). Payment per $1000 = $5.60.
30 Year Fixed with 10 Year Interest Only: 5.750% (APR 6.866%). Payment per $1000 = $4.79.
40 Year Fixed: 5.875% (APR 6.005%). Payment per $1000 = $5.42.
5/1 ARM (5/2/5 caps - 2.25 margin): 4.875% (APR 6.756%). Payment per $1000 = $5.29.
5/1 ARM 10 Year Interest Only Payments (5/2/5 caps - 2.25 margin): 5.125% (APR 6.903%). Payment per $1000 = $4.27.
FHA/VA 30 Year Fixed: 5.750% (APR 6.279%). Payment per $1000 = $5.84. (not factoring upfront or monthly MI for FHA).
JUMBO (Non-Conforming) Rates. Pricing is based on the same criteria above, with the exception that the loan amount is $417,001-$650,000 (20% down).
30 Year Fixed: 6.250% (APR 6.403%). Payment per $1000 = $6.16.
30 Year Fixed with 10 Year Interest Only Payments: 6.375% (APR 6.515%). Payment per $1000 = $5.31.
7/1 ARM - 5/2/5 caps - 2.25 margin: 5.000% (APR 6.483%). Payment per $1000 = $5.37.
7/1 ARM Interest Only - 5/2/5 caps - 2.25 margin: 5.375% (APR 6.772%). Payment per $1000 = $4.48.
Please do not select your Mortgage Professional by interest rates alone and do not shop rates by APR. This is just a small sample available of rates and products. Rates are as of Friday, January 18, 2008 at 2:00 p.m. and may change at any time. Available programs may change at anytime as well. This is not a guarantee nor is it a commitment of interest rate. For your personal rate quote or for loan amounts over $650,000, please contact me.
Sphere: Related ContentRing in the New Year with Lower Mortgage Rates January 4, 2008
The much weaker than expected Jobs Report and unemployment figures at a two year high find mortgage rates benefiting from investors seeking the safety of bonds. This “bad news” could be a great opportunity for those who are considering refinancing or buying a home. Mortgage rates have improved from 0.25% - 0.375% to rate while stocks fall hard on worries of a recession.
Conforming Mortgage Rates (loan amounts up to $417,000 for 1-unit properties). The conforming rate quote below is based on owner occupied, “full doc” with minimum credit scores of 680 with an 80% loan to value or lower, a loan amount of $400,000, and with reserves (taxes & insurance) not being waived. Rates quoted are priced based on a 45 day lock with 1 point and there are no prepayment penalties on any of the rates quoted below.
30 Year Fixed: 5.500% (APR 5.649%). Payment per $1000 = $5.68. (0.375% improvement).
30 Year Fixed with 10 Year Interest Only: 5.875% (APR 6.029%). Payment per $1000 = $4.90. (0.250% improvement).
40 Year Fixed: 6.000% (APR 6.132%). Payment per $1000 = $5.50. (0.375% improvement).
5/1 ARM (5/2/5 caps): 5.250% (APR 5.396%). Payment per $1000 = $5.52. (0.375% improvement).
5/1 ARM 10 Year Interest Only Payments: 5.375% (APR 5.552%). Payment per $1000 = $4.48. (0.375% improvement).
FHA/VA 30 Year Fixed: 5.875% (APR 6.529%). Payment per $1000 = $5.92. (not including MI for FHA). (0.25% improvement).
JUMBO (Non-Conforming) Rates. Pricing is based on the same criteria above, with the exception that the loan amount is $417,001-$650,000 (20% down).
30 Year Fixed: 6.500% (APR 6.657%). Payment per $1000 = $6.32. (0.25% improvement).
30 Year Fixed with 10 Year Interest Only Payments: 6.625% (APR 6.783%). Payment per $1000 = $5.52. (0.25% improvement).
5/1 ARM 5/2/5 caps: 6.125% (APR 6.277%). Payment per $1000 = $6.08. (0.25% improvement).
5/1 ARM Interest Only: 6.125% (APR 6.277%). Payment per $1000 = $5.10. (0.25% improvement).
Please do not select your Mortgage Professional by interest rates alone and do not shop rates by APR. This is just a small sample available of rates and products. Rates are as of Friday, January 4, 2008 at 12:30 p.m. and may change at any time. Available programs may change at anytime as well. This is not a guarantee nor is it a commitment of interest rate. For your personal rate quote or for loan amounts over $650,000, please contact me.
Sphere: Related ContentMortgage Interest Rates on the rise December 21, 2007
Mortgage interest rates continue their journey upwards after the release of the PCE (Personal Consumption Expenditure) coming in higher than expected at 2.2%. The Fed prefers to see this index at no higher than 2%. As this economic indicator is pointing towards inflation. At this time, it is likely the Fed will be forced to lower rates when they meet in January. If you’ve been following the rate posts, you know that inflation is the arch enemy of bonds. Since mortgage interest rates are based on mortgage backed securities (bonds), mortgage rates are dramatically increasin. The 30 year fixed conforming is up over 1% in fee in one day (the same rate yesterday cost you an additional 1% of your loan amount) or 0.25% in rate.
Conforming Mortgage Rates (loan amounts up to $417,000 for 1-unit properties). The conforming rate quote below is based on owner occupied, “full doc” with minimum credit scores of 680 with an 80% loan to value or lower. Rates are based on loan amount of $400,000 without having the reserve account (taxes and insurance) waived. Rates quoted are priced based on a 45 day lock with 1 point (discount or origination; 1% of your loan amount cost the same and buys you the same rate). There are no prepayment penalties on any of the rates quoted below.
30 Year Fixed: 5.875% (APR 6.021%). Payment per $1000 = $5.92.
30 Year Fixed with 10 Year Interest Only: 6.250% (APR 6.381%). Payment per $1000 = $5.21.
40 Year Fixed: 6.625% (APR 6.766%). Payment per $1000 = $5.94.
5/1 ARM (2/2/6 caps): 5.750% (APR 5.886%). Payment per $1000 = $5.84.
5/1 ARM 10 Year Interest Only Payments: 5.875% (APR 6.011%). Payment per $1000 = $4.90.
FHA/VA 30 Year Fixed: 6.250% (APR 6.904%). Payment per $1000 = $6.16. (not including MI for FHA).
JUMBO (Non-Conforming) Rates. Pricing is based on the same criteria above, with the exception that the loan amount is $417,001-$650,000 (20% down).
30 Year Fixed: 6.750% (APR 6.901%). Payment per $1000 = $6.49.
30 Year Fixed with 10 Year Interest Only Payments: 6.875% (APR 7.027%). Payment per $1000 = $5.73.
5/1 ARM: 6.500% (APR 6.647%). Payment per $1000 = $6.32.
5/1 ARM Interest Only: 6.625% (APR 6.647%). Payment per $1000 = $5.52.
This is just a small sample available of rates and products. Rates are as of Friday, December 21, 2007 at 11:30 a.m. and may change at any time. Available programs may change at anytime as well. This is not a guarantee nor is it a commitment of interest rate. For your personal rate quote or for loan amounts over $650,000, please contact me.
Sphere: Related ContentFriday’s Mortgage Interest Rates December 14, 2007
Earlier this week I told you about how Fannie and Freddie are increasing the cost of mortgages for anyone with credit scores under 680 using less than 30% down. This impacts A LOT of people. Since I posted that article, I have received many memos from some lenders saying that they are implementing this pricing immediately instead of waiting until March 1, 2008.
Please do use my rates as a guide to help make sure you are receiving competitive pricing. With different lenders reacting to the guidelines changes at different times, you may wind up with a higher rate because (1) that’s all your lender can provide; or (2) your Loan Originator (or their company) is making a handsome profit on the back-end of the loan if they still have the better pricing available.
Mortgage interest rates are continuing to trend upwards on the heals of the just released Consumer Price Index (CPI) showing higher than expected inflation and the Feds actions on Tuesday. Inflation is the arch enemy to bonds and the market is reacting accordingly. Conforming 30 year fixed rates are up approx. 0.375% in rate (or 1.2% in fee) from November 30’s low of 5.625%. As always, I recommend locking your mortgage interest rate if you’re closing before 60 days.
Conforming Mortgage Rates (loan amounts up to $417,000 for 1-unit properties). The conforming rate quote below is based on owner occupied, “full doc” with minimum credit scores of 680 with an 80% loan to value or lower and a loan amount of $400,000. Rates quoted are priced based on a 45 day lock with 1 point (discount or origination; 1% of your loan amount cost the same and buys you the same rate). There are no prepayment penalties on any of the rates quoted below.
30 Year Fixed: 5.990% (APR 6.127%). Payment per $1000 = $5.99.
30 Year Fixed with 10 Year Interest Only: 6.375% (APR 6.515%). Payment per $1000 = $5.31.
40 Year Fixed: 6.500% (APR 6.641%). Payment per $1000 = $5.68. (0.125% increase)
5/1 ARM (2/2/6 caps): 5.750% (APR 5.886%). Payment per $1000 = $5.84.
5/1 ARM 10 Year Interest Only Payments: 5.875% (APR 6.011%). Payment per $1000 = $4.90.
FHA/VA 30 Year Fixed: 6.250% (APR 6.904%). Payment per $1000 = $6.16. (not including MI for FHA).
JUMBO (Non-Conforming) Rates. Pricing is based on the same criteria above, with the exception that the loan amount is $417,001-$650,000 (20% down).
30 Year Fixed: 6.750% (APR 6.901%). Payment per $1000 = $6.49.
30 Year Fixed with 10 Year Interest Only Payments: 6.875% (APR 7.027%). Payment per $1000 = $5.73.
5/1 ARM: 6.375% (APR 6.522%). Payment per $1000 = $6.24.
5/1 ARM Interest Only: 6.375% (APR 6.522%). Payment per $1000 = $5.31.
This is just a small sample available of rates and products. Rates are as of Friday, December 14, 2007 at 9:00 a.m. and may change at any time. Available programs may change at anytime as well. This is not a guarantee nor is it a commitment of interest rate. For your personal rate quote or for loan amounts over $650,000, please contact me.
Sphere: Related ContentFriday’s Mortgage Interest Rates December 7, 2007
This morning’s Jobs Report provided a higher figure of 94,000 new jobs over the anticipated 70,000 helping to erase the improvments to the 30 year fixed conforming rates that we’ve seen during this week. This illustrates how much bonds react negatively to inflation.
The next major influence on mortgage bonds will be Tuesday’s FOMC meeting…will the Fed cut rates by 0.25 or 0.50? Current mortgage rates are priced factoring in a rate cute of 0.25%; any other move may impact mortgage interest rates. Remember, this does not directly lower mortgage interest rates; mortgage interest rates are based on mortgage backed securities (bonds).
Today’s conforming mortgage rates are still very attractive and, as always, I recommend locking if you have a transaction closing soon. The change in rate from last Friday’s rate posting is in parenthesis. Conforming fixed is up around 0.25% in rate from yesterday; jumbo (non-conforming) rates over improved by 0.125% over last week. Rates have increased in price since I published them this morning at Mortgage Porter. The increase is enough to where I can barely still quote (honor) the rates from this morning. I will update this post should we see significant changes today.
Conforming Mortgage Rates (loan amounts up to $417,000 for 1-unit properties). Conforming rate quote below based on owner occupied, “full doc” with minimum credit scores of 680 with an 80% loan to value or lower and a loan amount of $400,000. Rates quoted are priced based on a 45 day lock with 1 point and there are no prepayment penalties on any of the rates quoted below.
30 Year Fixed: 5.875% (APR 6.011%). Payment per $1000 = $5.92. (0.25% increase)
30 Year Fixed with 10 Year Interest Only: 6.250% (APR 6.386%). Payment per $1000 = $5.10. (0.25% increase)
40 Year Fixed: 6.250% (APR 6.388%). Payment per $1000 = $5.68. (0.125% increase)
5/1 ARM (2/2/6 caps): 5.625% (APR 5.761%). Payment per $1000 = $5.76. (same as last week)
5/1 ARM 10 Year Interest Only Payments: 5.750% (APR 5.886%). Payment per $1000 = $4.79. (same as last week)
FHA/VA 30 Year Fixed: 6.125% (APR 6.779%). Payment per $1000 = $6.08. (not including MI for FHA). (0.125% increase)
JUMBO (Non-Conforming) Rates. Pricing is based on the same criteria above, with the exception that the loan amount is $417,001-$650,000 (20% down).
30 Year Fixed: 6.625% (APR 6.775%). Payment per $1000 = $6.40. (0.125% improvement)
30 Year Fixed with 10 Year Interest Only Payments: 6.750% (APR 6.901%). Payment per $1000 = $5.63. (0.125% improvement)
5/1 ARM: 6.1250% (APR 6.271%). Payment per $1000 = $6.08. (0.125% improvement)
5/1 ARM Interest Only: 6.125% (APR 6.271%). Payment per $1000 = $5.10. (0.125% improvement)
This is just a small sample available of rates and products. Rates are as of Friday, December 7, 2007 at 11:00 a.m. and may change at any time. Available programs may change at anytime as well. This is not a guarantee nor is it a commitment of interest rate. For your personal rate quote or for loan amounts over $650,000, please contact me.
Sphere: Related ContentMortgage interest rates are going down…but for how long? November 30, 2007
The conforming 30 year fixed rate is at a 2 year low…how long will this last? No one knows for certain and this is why I always recommend locking in your rate and not floating. A week from today is the first Friday in December which means it’s also the day the Jobs Report data is released. Following this on December 11, we will see if the Fed cuts rates again; which the market is all ready betting on. The Fed cutting rates at their next meeting has all ready been priced into mortgage rates; if the Fed cuts more or less than expected; you’ll see dramatic changes to mortgage interest rates.
Conforming Mortgage Rates (loan amounts up to $417,000 for 1-unit properties). Conforming rate quote below based on owner occupied, “full doc” with minimum credit scores of 680 with an 80% loan to value or lower and a loan amount of $400,000. Rates quoted are priced based on a 45 day lock with 1 point and there are no prepayment penaltieson any of the rates quoted below.
30 Year Fixed: 5.625% (APR 5.761%). Payment per $1000 = $5.76.
30 Year Fixed with 10 Year Interest Only: 6.000% (APR 6.137%). Payment per $1000 = $5.00.
40 Year Fixed: 6.125% (APR 6.263%). Payment per $1000 = $5.59.
5/1 ARM (2/2/6 caps): 5.625% (APR 5.761%). Payment per $1000 = $5.76.
5/1 ARM 10 Year Interest Only Payments: 5.750% (APR 5.886%). Payment per $1000 = $4.79.
FHA/VA 30 Year Fixed: 6.000% (APR 6.654%). Payment per $1000 = $6.00. (not including MI for FHA).
JUMBO (Non-Conforming) Rates. Pricing is based on the same criteria above, with the exception that the loan amount is $417,001-$650,000 (20% down).
30 Year Fixed: 6.750% (APR 6.901%). Payment per $1000 = $6.49.
30 Year Fixed with 10 Year Interest Only Payments: 6.875% (APR 7.026%). Payment per $1000 = $5.73.
5/1 ARM: 6.250% (APR 6.396%). Payment per $1000 = $6.16.
5/1 ARM Interest Only: 6.250% (APR 6.396%). Payment per $1000 = $5.21.
This is a small sample available of rates and products. Rates are as of Friday, November 29, 2007 at 11:45 a.m. and may change at any time. Available programs may change at anytime as well. This is not a guarantee nor is it a commitment of interest rate. For your personal rate quote or for loan amounts over $650,000, please contact me.
Sphere: Related ContentMortgage Rates for Black Friday November 23, 2007
Conforming Mortgage Rates (loan amounts up to $417,000 for 1-unit properties). Conforming rate quote below based on owner occupied, “full doc” with minimum credit scores of 680 with an 80% loan to value or lower and a loan amount of $400,000. Rates quoted are priced based on a 45 day lock with 1 point and there are no prepayment penalties on any of the rates quoted below.
30 Year Fixed: 5.875% (APR 6.011%). Payment per $1000 = $5.92.
30 Year Fixed with 10 Year Interest Only: 6.250% (APR 6.386%). Payment per $1000 = $5.10.
40 Year Fixed: 6.375% (APR 6.517%). Payment per $1000 = $5.77.
5/1 ARM (2/2/6 caps): 5.625% (APR 5.761%). Payment per $1000 = $5.76.
5/1 ARM 10 Year Interest Only Payments: 5.750% (APR 5.886%). Payment per $1000 = $4.79.
FHA/VA 30 Year Fixed: 6.125% (APR 6.779%). Payment per $1000 = $6.08. (not including MI for FHA).
JUMBO (Non-Conforming) Rates. Pricing is based on the same criteria above, with the exception that the loan amount is $417,001-$650,000 (20% down).
30 Year Fixed: 6.750% (APR 6.901%). Payment per $1000 = $6.49.
30 Year Fixed with 10 Year Interest Only Payments: 6.875% (APR 7.026%). Payment per $1000 = $5.73.
5/1 ARM: 6.250% (APR 6.396%). Payment per $1000 = $6.16.
5/1 ARM Interest Only: 6.250% (APR 6.396%). Payment per $1000 = $5.21.
This is just a small sample available of rates and products. Rates are as of Friday, November 23, 2007 at 9:00 a.m. and may change at any time. Available programs may change at anytime as well. This is not a guarantee nor is it a commitment of interest rate. For your personal rate quote or for loan amounts over $650,000, please contact me.
Sphere: Related ContentMortgage Interest Rates for Friday November 16, 2007
Conforming Mortgage Rates (loan amounts up to $417,000 for 1-unit properties). Conforming rate quote below based on owner occupied, “full doc” with minimum credit scores of 680 with an 80% loan to value or lower and a loan amount of $400,000. Rates quoted are priced based on a 45 day lock with 1 point and there are no prepayment penalties on any of the rates quoted below.
30 Year Fixed: 5.875% (APR 6.011%). Payment per $1000 = $5.92.
30 Year Fixed with 10 Year Interest Only: 6.250% (APR 6.386%). Payment per $1000 = $5.10.
40 Year Fixed: 6.375% (APR 6.517%). Payment per $1000 = $5.77.
5/1 ARM (2/2/6 caps): 5.500% (APR 5.633%). Payment per $1000 = $5.68.
5/1 ARM 10 Year Interest Only Payments: 5.625% (APR 5.761%). Payment per $1000 = $4.69.
FHA/VA 30 Year Fixed: 6.250% (APR 6.895%). Payment per $1000 = $6.16. (not including MI for FHA).
JUMBO (Non-Conforming) Rates. Pricing is based on the same criteria above, with the exception that the loan amount is $417,001-$650,000 (20% down).
30 Year Fixed: 6.625% (APR 6.775%). Payment per $1000 = $6.40.
30 Year Fixed with 10 Year Interest Only Payments: 6.750% (APR 6.901%). Payment per $1000 = $5.63.
5/1 ARM: 6.250% (APR 6.396%). Payment per $1000 = $6.16.
5/1 ARM Interest Only: 6.250% (APR 6.396%). Payment per $1000 = $5.21.
This is just a small sample available of rates and products. Rates are as of Friday, November 16, 2007 at 11:30 a.m. and may change at any time. Available programs may change at anytime as well. This is not a guarantee nor is it a commitment of interest rate. For your personal rate quote or for loan amounts over $650,000, please contact me.
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