Recently in Loans Available for Locking Category
If you're comparing rates with last week, you see that there has been a slight decline. If you are considering a refinance, I would get the rate locked in because I do not expect this short term decline to last.
The Best Loans Right NOW
5.75% 30 Year fixed rate loan, with nine tenths of a point point to the consumer and NO PREPAYMENT PENALTIES!. Assuming a $400,000 loan, Payment $2334, APR 5.875! 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 5.25 percent!
5/1 Rates
Truthfully, I am not seeing enough difference between 5/1 Rates and the thirty year fixed to justify the choosing the ARM. That same 5.75 you can get on a thirty year fixed for nine tenths of a point costs seven tenths of a point to the consumer on a 5/1 (Payment $2334 APR 5.857 on a $400,000 loan)
10 year interest only payments available on 30 year fixed rate loans!
Great Rates on temporary conforming, jumbo and super-jumbo loans also available!
Zero closing costs and zero points loans also available!
Yes, I still have low to zero down payment and stated income loans 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.
Designing transactions for low to zero down payment 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. Clarion Mortgage Capital at 619-300-7425, ask for Dan. Or email me: danmelson (at) danmelson (dot) com
The Best Loans Right NOW
5.875% 30 Year fixed rate loan, with six tenthsof a point point to the consumer and NO PREPAYMENT PENALTIES!. Assuming a $400,000 loan, Payment $2366, APR 5.973! 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 5.25 percent!
5/1 Rates
Truthfully, I am not seeing enough difference between 5/1 Rates and the thirty year fixed to justify the choosing the ARM. 5.75 on a 5/1 costs one full point to the consumer (Payment $2334 APR 5.885 on a $400,000 loan)
10 year interest only payments available on 30 year fixed rate loans!
Great Rates on temporary conforming, jumbo and super-jumbo loans also available!
Zero closing costs and zero points loans also available!
Yes, I still have low to zero down payment and stated income loans 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.
Designing transactions for low to zero down payment 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. Clarion Mortgage Capital at 619-300-7425, ask for Dan. Or email me: danmelson (at) danmelson (dot) com
More Lenders are removing declining market notation for San Diego.
Since 95% loans are now readily available without a government program, demand is up and unfortunately, so are rates.
The Best Loans Right NOW
6.25% 30 Year fixed rate loan, with one total point to the consumer and NO PREPAYMENT PENALTIES!. Assuming a $400,000 loan, Payment $2462, APR 6.389! 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 5.375 percent!
5/1 Rates will save you a lot of money!
Best 5/1 ARM: 5.625% with 1 total point to the consumer, and NO PREPAYMENT PENALTIES! Assuming a $400,000 loan, Payment $2302 APR 5.759. This is a fully amortized loan with a fixed rate for the first five years. 5/1 ARM rates as low as 5 percent!
10 year interest only payments available on 30 year fixed rate loans!
Great Rates on temporary conforming, jumbo and super-jumbo loans also available!
Zero closing costs loans also available!
Yes, I still have 100% financing (full documentation) 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
Some Lenders have removed declining market notation for San Diego.
Since 95% loans are now readily available without a government program, demand is up and unfortunately, so are rates.
The Best Loans Right NOW
6.25% 30 Year fixed rate loan, with one total point to the consumer and NO PREPAYMENT PENALTIES!. Assuming a $400,000 loan, Payment $2462, APR 6.389! 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 5.375 percent!
5/1 Rates will save you a lot of money!
Best 5/1 ARM: 5.625% with 1 total point to the consumer, and NO PREPAYMENT PENALTIES! Assuming a $400,000 loan, Payment $2302 APR 5.759. This is a fully amortized loan with a fixed rate for the first five years. 5/1 ARM rates as low as 5 percent!
10 year interest only payments available on 30 year fixed rate loans!
Great Rates on temporary conforming, jumbo and super-jumbo loans also available!
Zero closing costs loans also available!
Yes, I still have 100% financing (full documentation) 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
Some Lenders have removed declining market notation for San Diego.
Since 95% loans are now readily available without a government program, demand is up and unfortunately, so are rates.
The Best Loans Right NOW
6.25% 30 Year fixed rate loan, with one total point to the consumer and NO PREPAYMENT PENALTIES!. Assuming a $400,000 loan, Payment $2462, APR 6.389! 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 5.25 percent!
5/1 Rates will save you a lot of money!
Best 5/1 ARM: 5.625% with 1 total point to the consumer, and NO PREPAYMENT PENALTIES! Assuming a $400,000 loan, Payment $2302 APR 5.759. This is a fully amortized loan with a fixed rate for the first five years. 5/1 ARM rates as low as 5 percent!
10 year interest only payments available on 30 year fixed rate loans!
Great Rates on temporary conforming, jumbo and super-jumbo loans also available!
Zero closing costs loans also available!
Yes, I still have 100% financing (full documentation) 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
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 5.00 percent!
5/1 Rates will save you a lot of money!
Best 5/1 ARM: 5% even with 1 total point to the consumer, and NO PREPAYMENT PENALTIES! Assuming a $400,000 loan, Payment $2147 APR 5.129. This is a fully amortized loan with a fixed rate for the first five years. 5/1 ARM rates as low as 4.5 percent!
10 year interest only payments available on 30 year fixed rate loans!
Great Rates on temporary conforming, jumbo and super-jumbo loans also available!
Zero closing costs loans also available!
Yes, I still have 100% financing (full documentation) 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
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 5.125 percent!
5/1 Rates are becoming attractive!
Best 5/1 ARM: 5.25% with 1 total point to the consumer, and NO PREPAYMENT PENALTIES! Assuming a $400,000 loan, Payment $2208 APR 5.381. This is a fully amortized loan with a fixed rate for the first five years. 5/1 ARM rates as low as 4.625 percent!
10 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 (full documentation) 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
(I had better rates than this until just a few minutes ago. I quoted a 30 year fixed at 5.625% for 0.9 points earlier today. Unfortunately, there was a wave of secondary market price deteriorations, causing the available rates to rise. I do expect those to continue, due to increased confidence in the economy)
The Best Loans Right NOW
5.75% 30 Year fixed rate loan, with one total point to the consumer and NO PREPAYMENT PENALTIES!. Assuming a $400,000 loan, Payment $2334, APR 5.885! 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 5.00 percent!
5/1 Rates are becoming attractive!
Best 5/1 ARM: 4.875% with 1.5 total points to the consumer, and NO PREPAYMENT PENALTIES! Assuming a $400,000 loan, Payment $2117 APR 5.048. This is a fully amortized loan with a fixed rate for the first five years. 5/1 ARM rates as low as 4.375 percent!
10 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 (full documentation) 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
5.75% 30 Year fixed rate loan, with one total point to the consumer and NO PREPAYMENT PENALTIES!. Assuming a $400,000 loan, Payment $2334, APR 5.885! 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 5.00 percent!
5/1 Rates are becoming attractive!
Best 5/1 ARM: 5.125% with one total point to the consumer, and NO PREPAYMENT PENALTIES! Assuming a $400,000 loan, Payment $2178 APR 5.255. This is a fully amortized loan with a fixed rate for the first five years. 5/1 ARM rates as low as 4.5 percent!
10 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 (full documentation) 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
5.75% 30 Year fixed rate loan, with one total point to the consumer and NO PREPAYMENT PENALTIES!. Assuming a $400,000 loan, Payment $2334, APR 5.885! 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 5.00 percent!
5/1 Rates are becoming attractive!
Best 5/1 ARM: 5.25% with one total point to the consumer, and NO PREPAYMENT PENALTIES! Assuming a $400,000 loan, Payment $2209 APR 5.381. This is a fully amortized loan with a fixed rate for the first five years. 5/1 ARM rates as low as 4.625 percent!
10 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 (full documentation) 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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