Christensen Financial Inc.
678-373-9974
Conforming, FHA/VA,JUMBO/Commercial

Lower and lower they go. All conforming fixed products dropped today. All ARM rates are now under the 4% threshold. Government money remains low and steady. Jumbos are unchanged. Lock your loans now

JUMBO

 30 YEAR FIXED @5.25%
20 YEAR  FIXED @4.9%
15 YEAR FIXED @4.7%
1/1 FIXED PERIOD ARM @2.55%
3/1 FIXED PERIOD ARM @2.9%
3/1 FIXED PERIOD ARM INTEREST ONLY @3.15%
5/1 FIXED PERIOD ARM @3.55%
5/1 FIXED PERIOD ARM INTEREST ONLY @3.85%
7/1 FIXED PERIOD ARM @4.35%
10/1 FIXED PERIOD ARM @4.9%

 Portfolio ARM's
5/1 FIXED PERIOD ARM @ 3.75%
 7/1 FIXED PERIOD ARM @ 4%

Rates displayed above are based on a well qualified customer with a Single Family Residence @70% LTV.  Up to 90% LTV is available. Minimum credit score is 620 . Eligible properties are SFR, Vacation/Second Homes. Max debt ratios are 38 and 45%.  Loans from $417,001.00 to 3Mil available. Use Custom quotes by calling us at 678-373-9974 for accurate State specific pricing

Conforming

 (Fully Amortizing)
30 YEAR FIXED  @4.25%
20 YEAR FIXED @4.275%
15 YEAR FIXED  @3.75%
10 YEAR FIXED @3.625%

5/1 LIBOR FIXED PERIOD ARM @3.5%(5-2-5) 
7/1  LIBOR FIXED PERIOD ARM @3.25%(5-2-5)
10/1 LIBOR FIXED PERIOD ARM @3.95%(5-2-5)

 Interest Only
30 Year FIXED @5.125%
3/1 FIXED PERIOD ARM @3.125%
5/1 LIBOR FIXED PERIOD ARM @3.5%
7/1 FIXED PERIOD ARM @3.75%
10/1 FIXED PERIOD ARM @4.125%

Conforming loan limits apply. LTVs > 90%  Allowed by exception only in Stable Markets, for credit scores 740+, well documented. Eligible properties are SFR, second/vacation homes, 2-4 units. Multiple adjustments may apply. Use Custom quotes by calling us at 678-373-9974 for accurate State specific pricing.

 FHA/VA
30 YEAR FIXED @4.25%
15 YEAR FIXED @4%
3/1 FIXED PERIOD TREASURY ARM @3.75%(1-1-5)
5/1 FIXED PERIOD TREASURY ARM @3.25%(1-1-5)
5/1 FIXED PERIOD TREASURY ARM @3.75%(2-2-6)
7/1 FIXED PERIOD TREASURY ARM @3.75%(2-2-6)

If you or one of your customers currently have an FHA/VA mortgage, you are eligible for one of the simplest money saving refinances available today. The FHA/VA streamline refinance allows existing FHA borrowers to reduce their interest rate without having to jump through hoops. Lower monthly principal and interest payments, no verification of income, close within weeks not months among other benefits. Call 678-373-9974 for a custom quote. 

First and second position HELOCS available up to 350K with starting rates @4%
Call 678-373-9974 for a custom quote

Cash out refinancing now available up to 85% LTV. Rate/Term  and Purchase money available to 95% with 680 or above mid FICO

Rates shown are base rates ONLY, no adjustments added, rate lock period will vary. Rates are subject to change without notice.

Yield spread premium" (YSP) is the money or rebate paid to a mortgage broker for giving a borrower a higher interest rate on a loan in exchange for lower up front costs, generally paid in Origination Fees, Broker Fees or Discount Points. This "may [be used to] wipe out or offset other loan costs.The YSP is derived through the realization of a market 'price' for a loan that is above 100%. For example, a $300,000 loan with a price when sold of 101.00% would 'yield' a 1% rebate to the originator, it's important to understand that the term 'originator' refers to either a retail bank or mortgage broker.

 "Most people spend more time and energy going around problems than in trying to solve them."
 
     ~ Henry Ford

GOOD SELLING!!!

Sally Murray Lamperti
678-373-9974
Over 20 years of  Mortgage lending experience

Christensen Financial Inc.

Georgia Residential Licensee #21045

RATES SUBJECT TO CHANGE WITHOUT NOTICE. THIS INFORMATION IS INTENDED FOR REAL ESTATE PROFESSIONAL USE ONLY AND IS NOT FOR DISTRIBUTION TO PROSPECTIVE BORROWERS. STATE AND FEDERALLY REQUIRED DISCLOSURES HAVE NOT BEEN INCLUDED. GA RESIDENTIAL MORTGAGE LICENSE # ___21045, NMLS ID # ___291600. 450 Musket Entry, Roswell, Georgia   30076.