Shopping for Lower Rates

The rates listed below fixed rates with no pre-payment penalties.  The grid is designed as menu.  You select the rate you want based on the level of closing costs that you want.  At the lower rates you are paying points (this is a combination of origination fee and discount).  At the higher rates you are receiving a rebate (a credit to you) to apply to your other settlement charges.  The APR % is not the fixed rate on the note and does not represent the rate of interest you will pay.   The APR is designed to help you compare the total cost of financing for rates with different points and/or rebate amounts.  The Fixed Rate of interest on the left side of the grid is the rate of interest you will pay each month on the outstanding principal balance.

For an updated, detailed good faith estimate, please email me your sales price, down payment and whether or not your home is new construction.


 Rates - 01/10/2007

  30 Year Fixed Rates Points % or (Rebate) % Points $ or (Rebate) $ per $100,000 Loan Amt APR %   15 Year Fixed Rates Points % or (Rebate) % Points $ or (Rebate) $ per $100,000 Loan Amt APR %  
  5.625% 0.875  $        875.00 5.786%   5.375% 0.750  $        750.00 5.626%  
  5.750% 0.250  $        250.00 5.854%   5.500% 0.375  $        375.00 5.693%  
  5.875% -0.250  $       (250.00) 5.932%   5.625% 0.000  $              -   5.760%  
  6.000% -0.500  $       (500.00) 6.034%   5.750% -0.250  $       (250.00) 5.846%  
  6.125% -1.000  $    (1,000.00) 6.113%   5.875% -0.625  $       (625.00) 5.913%  
  6.250% -1.375  $    (1,375.00) 6.202%   6.000% -1.000  $    (1,000.00) 5.979%  

*Rates reflect a 30 day lock and are subject to pre-approval as a conforming A paper loan (over 95% of our borrowers qualify for these rates).  APR assumes a loan size of $200,000 and all applicable other lender, attorney and title fees. Call us at 866-321-4733 to lock rate/points/rebate desired.




Matthew Breton



We start with accurate quotes and finish with no surprises.


The major difference between these and others is:

  1. You save money.

  2. You save time (vs meeting with a local loan officer).

  3. There are no surprises at closing.

Better Business Bureau Report Link


Online Link to Answers to Common Questions about loans



Online Link to a Description of our Simple, 7-Step Loan Process



John Slates - Well that was easy!  My real estate agent and title company could not believe the rate I was given.

Ruth Momblanco-Bryce - You have been very efficient and generous with your time.  Your attention to detail is impeccable.

Jim Fawcett -  I feared that if it looks to good to be true then it probably is.  You got the deal done in two weeks time at the rate quoted and fees quoted.  My realtor was also impressed at how well you kept her in the loop.  I am a very satisfied customer. 

Beth Finch  -  I enjoyed the looks from people when they found out my interest rate.  Even the title company said you'd been a dream to work with.  Thank you for your help and hand holding through this. 

Danny Bynum -  Thanks for all your hard work .... you are all over this stuff.  Good to have a good mortgage guy in your corner.

Carol Lott & Jerry Hopkins - Everything was perfect at closing.  No surprises.  No problems.  We could not have been more pleased.

Kevin Donohue - Thanks for your professionalism and quick response to any question I had during the process.

Dr. & Mrs. Samineni -  Thank you for your professional help and courtesy in getting the right mortgage for our daughter.  You made it easy and less worrisome by dealing with us honestly and answering our questions.  We would recommend your services to anyone without a doubt.