HERE'S WHAT MOVES YOUR INTEREST RATES!

While we can’t control rates, we can help you navigate the process, even in this

ever-changing market!

The best part is, when it comes to your home loan, we do all the

research and the leg work for you, so you don’t have to.

Keep More Cash In Your Pocket!

There are definitely ways to cut back the cost of getting home financing, from helping

you enhance your credit score to knowing precisely when to lock, and for how long!

As your Mortgage Specialist, we’ll review money-saving strategies to review money-saving

strategies to help your home equity work for you. We simplify the process for you and

will present your loan application in a favorable light.

Smart Financial Choices Put YOU In Control!

A lot of factors influence your mortgage rate. Economic conditions (jobs, inflation, etc.)

and bond market activity are among the leading factors that influence the mortgage

market.

The Federal Reserve’s response to all the financial market trends can impact mortgage

rates as well.

Now here’s when things really hit home. The final interest rate you get on your new

mortgage will be influenced by:

• Your Credit Score: Higher scores often mean lower rates

• Your Loan-to-Value: A bigger down payment, or more home equity, can lower your rate

• Your Loan Term: 15-year fixed rates are lower than 20 or 30 year fixed rates. Adjustable

Rate Mortgages (ARMs) usually start out lower than 30 year fixed-rate mortgages, however

ARMs are subject to change

• Your Property: Condos and manufactured homes have slightly higher rates

• Your Ownership: Your primary residence will have a lower rate than an investment

property

We’ll Put Your Mind at Ease!

Even if you’re still undecided about home financing, we invite you to meet with us to

Explore your options.

After all, it’s to your advantage to be well informed about this important decision.

While you still have this newsletter in your hand...

CALL US NOW!