30 year fixed rate pricing incentive

Mortgage and Lending with Mason-McDuffie Mortgage, Conventional Loans, Jumbo Loans, FHA, 203(k), USDA, VA, NMLS #138061 MMCD #1141

30 Year Fixed Rate Pricing Incentive



     Do you have a client using a conventional loan for their purchase?  If Total Mortgagethey meet the following parameters, it would be a smart move to have them shop us for a rate.  We're running an incentive on all loans locked after 11/10 that meet the following:



- Conventional 30 year fixed rate product only


- Single family home (PUDs OK)


- Purchase or Rate/term refinance only


- LTV less than or equal to 80 (20%+ down payment on purchases)


- FICO 700+



     From what I'm seeing pricing out loans, this incentive is knocking off about .125 to .25 from our already low rates or adding 1/2 point to lender credits.  On a $200,000 loan this is $1,000 back to your clients!



    I'm personally licensed in CA, DE, PA, NJ, and you can find a complete list of states Total Mortgage is licensed in here 



     If you've considered working with Total Mortgage and giving us a chance to help your clients, between our 30 day closing guarantee, and now this pricing incentive - this is the time to give me a call.  Our rates and service are great on all of our products, but for buyers looking to put 20% or more down, this is a tremendous opportunity to save a lot of money.


Total Mortgage




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David Shamansky
US Mortgages - David Shamansky - Highlands Ranch, CO
Creative, Aggressive & 560 FICO - OK, Colorado Mtg

Yeah I always like those incentive specials. They help the buyer and thats always a good thing

Nov 13, 2014 11:30 AM #1
Joe Petrowsky
Mortgage Consultant, Right Trac Financial Group, Inc. NMLS # 2709 - Manchester, CT
Your Mortgage Consultant for Life

Good morning John. I am currently do a mortgage for someone that was a loan officer for 8 years, she has specifically asked about incentives. Always neat working with someone that has been in the business.

Nov 13, 2014 05:47 PM #2
Sharon Paxson
Compass - Newport Beach, CA
Newport Beach Real Estate

Hi John - this sounds like a very good mortgage special, and there are often buyers who are looking for incentives.

Nov 13, 2014 11:42 PM #3
Kathleen Daniels
KD Realty - 408.972.1822 - San Jose, CA
San Jose Homes for Sale-Probate & Trust Specialist

John, Bummer ... it looks like I was just in front of the sale/incentive.  Can I get a roll back like WalMart offers (LOL)!!!

Nov 14, 2014 02:16 AM #4
Jon Kolsky
Kolsky Realty & Management - Long Beach, CA
Licensed California Real Estate Broker

John Meussner ~ awesome info! I hope borrowers get in front of you and take advantage of this great opportunity

Nov 14, 2014 02:28 AM #5
John Meussner
Mason-McDuffie Mortgage, Conventional Loans, Jumbo Loans, FHA, 203(k), USDA, VA, - Walnut Creek, CA
#MortgageMadeEasy Walnut Creek, CA 484-680-4852

David - thanks for the comment, these types of incentives are always a nice thing for the buyers, you're right.  We don't have them too often so I'm glad to be able to offer it.


Joe - thanks for stopping by.  I have a love/hate relationship with former LO's.  I like the ones that know what they're talking about but let me do my job.  The ones that want me to do their loan like it's 2006 are sometimes difficult to deal with.


Sharon - it's a great deal, especially for someone buying pricier homes - on a $400,000 mortgage we'd be able to knock out $2000 in closing costs.


Kathleen - I wish!  I was surprised by this as we usually keep our rates/margins pretty low so it's not often we see these incentives come out.  I'm guessing one of our investors has some "prior to year end" goals to hit with their product volume.


Jon - me too!  1/2 point toward rate or closing costs can offer up a nice savings!



Nov 14, 2014 03:42 AM #6
Debbie Reynolds
Platinum Properties - Clarksville, TN
Your Dedicated Clarksville TN Real Estate Agent

Hi John, That is a good incentive and can save money and lots of it over time.

Nov 14, 2014 12:05 PM #7
Bob Ratliff
Robert Ratliff Realty - San Antonio, TX
"Sold with Bob"

Howdy John, I echo the other comments when our buyers can save a few bucks it's a win-win. Now hurry and get your Texas license.

By the way I miss your old post when you explored the mountains and trails around our localism bring some of those back for a reconnect on occasion..... ha!

Nov 14, 2014 07:11 PM #8
Gita Bantwal
RE/MAX Centre Realtors - Warwick, PA
REALTOR,ABR,CRS,SRES,GRI - Bucks County & Philadel

John, I hope consumers will read this post and call you . Have a good Sunday.

Nov 15, 2014 09:08 PM #9
Ron Saporito, Palm Desert, CA Real Estate & Mortgage Broker Since 2003
Ronald Christopher & Associates. Proudly serving Palm Desert, La Quinta, Indio, Coachella, Rancho Mirage, Palm Springs. - Indio, CA
Call (760)574-8486. www.JustListedinPalmDesert.com

Mortgage rates have been amazingly low lately. Paired with incentives, what more can you ask for!

Nov 16, 2014 03:29 AM #10
Wayne and Jean Marie Zuhl
Samsel & Associates - Clark, NJ
The Last Names You'll Ever Need in Real Estate

Hi John,

This sounds like a great program!  I'm sure that you'll be helping a lot of buyers.


Nov 21, 2014 05:33 AM #11
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John Meussner

#MortgageMadeEasy Walnut Creek, CA 484-680-4852
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