Loans Available for Locking: December 2007 Archives

The Best Loans Right NOW

5.875% 30 Year fixed rate loan, with 1 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! I have 5.5% for 2 total points (payment $2271, APR 5.726 on a $400,000 loan) and 6.125 for NO points (payment $2430, APR 6.167 on a $400,000 loan). 30 year fixed rate loans as low as 5.25%!

Usually I include a paragraph about the Best 5/1 hybrid ARM, but the prices on thirty year fixed rate loans are actually lower right now for the same rate. That being the case, there's no reason to choose a 5/1 or any other hybrid ARM product right now.

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

The Best Loans Right NOW

6.00% 30 Year fixed rate loan, with NO POINTS to the consumer and NO PREPAYMENT PENALTIES!. Assuming a $400,000 loan, Payment $2398, APR 6.0421! 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! I have 5.75 for 0.7 total points (payment $2334, APR 5.857 on a $400,000 loan) and 5.5 for 1.7 total points (payment $2271, APR 5.698 on a $400,000 loan). 30 year fixed rate loans as low as 5.125%!

Usually I include a paragraph about the Best 5/1 hybrid ARM, but the prices on thirty year fixed rate loans are actually lower right now for the same rate. That being the case, there's no reason to choose a 5/1 or any other hybrid ARM product right now.

This is totally cool! Thirty Year Fixed rate A paper loans have dropped like a rock! They're nowhere near all time lows, but they haven't been this low for almost two years!

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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