Mortgage Broker Florida, Hypothekenmakler Florida, Katja Risteen, Phone: 239-287-2336, Email: Fullhouse758@comcast.net, 30 Year Conforming Loan Rate November/December 2008, Heloc Credit, Conforming Loan Add On, Refinance Debt Relief Reduce Principal, Does FHA Accept Foreign Nationals, Foreign National Wholesale Lender, FLA Fair Lending Act 687, Florida 30 yr. Fixed Mortgage, FHA Guidelines Foreign National, Cape Coral Mortgage Broker Deutsch, Hypothekenzinsen 2008 November/Dezember, Finanzierung Haus in Florida, Heloc Kredit, Immobilienkauf in Florida welche Bank hat Erfahrung. Posted by www.acglobalrealty.com
Posted by www.acglobalrealty.com, Your Real Estate Broker in Florida, Ihr Immobilienmakler in Florida, Naples, Bonita Springs, Estero, Fort Myers, Fort Myers Beach, Cape Coral & Lehigh Acres.
Ihre Kirsten Prizzi, Real Estate Broker
MORTGAGE SERVICES, INC.
LICENSED MORTGAGE LENDER - LENDING IN MOST STATES & SELECT INTERNATIONAL LOCATIONS.
RESIDENTIAL/COMMERCIAL/BUSINESS LOANS
Home Office:
Katja Risteen, Phone: 239-287-2336, Email: Fullhouse758@comcast.net, English & Deutsch.
Call about REVERSE, FHA & FOREIGN NATIONAL mortgages!
November 30, 2008
We enjoy a “Mortgage Lender” relationship with over 60 national wholesale lenders including
(Suntrust, Lloyds, Wells Fargo, Chase, AmTrust, MetLife, Fifth Third, Flagstar, TB&W, + FHA).
The following rates/fees were available at 5:00 PM E.D.T. on Fri. 11/28/08 and we were able to
lock/close loans at these rates and terms.
| CONFORMING |
Loan Type |
JUMBO |
Points |
|
| 5.375 % |
30 YEAR FIXED |
|
7.250 % |
0 |
| 4.750 % |
15 YEAR FIXED |
|
6.750 % |
0 |
| 6.125 % |
30 YEAR FIXED |
interest only |
7.250 % |
0 |
| 5.375 % |
30 YEAR FIXED |
FHA |
N/A |
1 |
| 5.750 % |
7/1 ARM |
|
6.875 % |
0 |
| 5.750 % |
7/1 ARM |
interest only |
7.000 % |
0 |
| 5.500 % |
5/1 ARM |
|
6.750 % |
0 |
| 5.500 % |
5/1 ARM |
interest only |
6.750 % |
0 |
| 5.375 % |
3/1 ARM |
interest only |
6.625 % |
0 |
| 5.500 % |
30 YEAR FIXED |
95 % |
N/A |
0 |
| * Collier Co. $531,250–Monroe Co. $729,750–Manatee Co. & Sarasota Co. $442,500. |
||||
| Never ANY origination or rate buy-down fees on quoted rates ! There are NEVER any attachments to these e-mails ! |
| 30 DAY LOCK ALL ARMS—30 DAY LOCK ALL FIXED RATE LOANS * * NOTE: LOCKS LONGER THAN 30 DAYS MAY RESULT IN A HIGHER INTEREST RATE. |
| CALL FOR CONSTRUCTION/PERM and LOT LOAN RATES. LOAN AMOUNTS TO $10 MILLION AVAILABLE ON CASE BY CASE BASIS. |
Minimum FICO most quoted loans is 720 (lower FICO will result in higher rates/fees).
| 10/1-7/1-5/1-3/1 Arms (FIXED FIRST 10,7,5, or 3 years then they become a 1 Yr Adj.– 2 to 5% initial adj– 5% or 6% + start rate life cap–2.750 or 2.250 or 1.500 margin). Min. Fico ALL loans 720. Jumbo Condo’s 70% MAX–Primary Only. |
| 30 Year Fixed–Int. Only (Int.Only 10 years–then fully amortized next 20 years) Min. Fico ALL quoted loans 720. |
| Int. Only Arms (The interest only period is generally for 5-10 years but may be for the fixed period only) |
| 95% 30 Year Fixed (PMI Required..minimum FICO score ALL quoted loan rates 720.) |
| 10/1-7/1-5/1-3/1 Jumbo Int. Only (UP TO $2 mil at 60% ltv…Primary–purch/rate-term - MIN.FICO 720) |
PRE-PAYMENT PENALTY IS AVAILABLE ON MOST LOANS FOR 1/8% LOWER RATE.
| NOTE: |
ALL QUOTED RATES AND FEES ASSUME THE FOLLOWING CONDITIONS: SF (attached or detached), PUDS, LOW RISE CONDO’S, PRIMARY/SECOND HOMES, OWNER OCCUPIED, LTV 80% OR LESS, GREATER THAN $250,000 LOAN AMOUNT (applies to ALL conforming loan types. If less than $250k add 1/8 to rate). TAX/INS. ESCROWS REQUIRED ALL LOANS. ALL QUOTED JUMBO FIXED LOANS MAXIMUM OF 70% LTV. PURCHASE ONLY (All re-finance loans require additional fees/rates.) Conforming loan limit is up to $417,000, Jumbo is from $417,001 to $650,000, and Super Jumbo $650,000+MINIMUM FICO SCORE FOR ALL QUOTED RATES IS 720 (unless otherwise noted).FHA (There are maximum loan amounts that vary from County to County. Call for your county limits). |
| ADD-ONS: |
(ADD-ON TO POINTS ONLY–RATE STAYS THE SAME) 2nd HOMES (JUMBO PROGRAMS ONLY)–MOST Florida CONDOS, ALL RE-FI’S, 2-4 UNITS, INVESTMENT PROPERTIES, LOANS GREATER THAN $800,000/LESS THAN $250,000, STATED(LIMITED AVAILABILITY) NON-ESCROW ADJUSTMENTS (NO TAX AND INS. IMPOUNDS) |
PROGRAMS FOR NON-PERMANENT RESIDENT ALIENS AVAILABLE.
LTV’S VARY BY PROGRAM.
TRANSLATION: GERMAN - FRENCH - SPANISH
| A.P.R. APPROXIMATELY.125% HIGHER THAN ALL QUOTED RATES All rates/fees are subject to change without notice. |
