Real Loans for Real People February 28th, 2008

By Dan Melson on February 28, 2008 2:00 PM | Permalink | Comments (0)

The Best Loans Right NOW

5.875% 30 Year fixed rate loan, with one total point to the consumer and NO PREPAYMENT PENALTIES!. Assuming a $400,000 loan, Payment $2366, APR 6.011! This is a thirty year fixed rate loan. The payment and interest rate will stay the same on this loan until it is paid off! 30 year fixed rate loans as low as 5 percent even!

Best 5/1 ARM: 4.875% with 0.8 total points and no prepayment penalty. Assuming $400,000 loan, payment $2117, APR 4.985. This is a loan where the rate is fixed for five years, and the payment pays your balance down! With rates on hybrid ARMs having dropped of late, they are once again something for people to consider. You can have a 5/1 ARM at a lower rate for no points than you can a 30 year fixed rate loan for two points! 5/1 ARMs as low as 4.00 percent!

10 and 15 year Interest only payments available on 30 year fixed rate loans!

Great Rates on jumbo and super-jumbo loans also available!

Zero closing costs loans also available!

Yes, I still have 100% financing and stated income loans!

Interest only, No points and zero cost loans also available!

These are actual retail rates at actual costs available to real people with average credit scores! I always guarantee the loan type, rate, and total cost as soon as I have enough information from you to lock the loan (subject to underwriting approval of the loan). I pay any difference, not you. If your loan provider doesn't do this, you need a new loan provider!

All of the above loans are on approved credit, not all borrowers will qualify, based upon an 80% loan to value and a median credit score on a full documentation loan. Rates subject to change until rate lock.

Interest only, stated income, bad credit and other options also available. If you need a mortgage, chances are I can do it faster and on better terms than you'll actually get from anyone else in the business.

100% financing a specialty.

Please ask me about first time buyer programs, including the Mortgage Credit Certificate, which gives you a tax credit for mortgage interest, and can be combined with any of the above loans!

Call me. EZ Home Loans at 619-449-0070, ask for Dan. Or email me: danmelson (at) danmelson (dot) com

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