Today's Rate

The Following are Refinance Rates::

Conforming 30 Year Fixed 6.125% Rate 6.128% APR No Points. No Closing Cost. Refinance rate. Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $400000 Loan Amount, 21 Lock Days, Qualified Borrowers Only. APR does not include Mortgage Insurance costs.   Conforming 15 Year Fixed 6.000% Rate 6.001% APR No Points. No Closing Costs. Refinance Rate. Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $400000 Loan Amount, 21 Lock Days, Qualified Borrowers Only. APR does not include Mortgage Insurance costs.   Conforming 5 Year ARM 6.750% Rate 6.751% APR No Points. No Closing Costs. Refinance Rate Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $400000 Loan Amount, 21 Lock Days, Qualified Borrowers Only. APR does not include Mortgage Insurance costs.   Conf Jumbo 30 Year Fixed 7.125% Rate 7.125% APR No Points. No Closing Costs. Refinance rate. Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $500000 Loan Amount, 21 Lock Days, Qualified Borrowers Only. APR does not include Mortgage Insurance costs.   Conf Jumbo 15 Year Fixed 6.375% Rate 6.376% APR No Points. No Closing Costs. Refinance Rate. Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $500000 Loan Amount, 30 Lock Days, Qualified Borrowers Only. APR does not include Mortgage Insurance costs.   Non Conforming 30 Year Fixed 8.250% Rate 8.289% APR No Points. Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $900000 Loan Amount, 30 Lock Days, Qualified Borrowers Only.   Non Conforming 7 Year ARM 9.000% Rate 9.043% APR No Points. Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $900000 Loan Amount, 30 Lock Days, Qualified Borrowers Only.

The above programs assume you are financing a single family detached home. Additional discounts may be available for low LTVs, high FICOs and imploying impound accounts to pay for property taxes and insurance. Rates are subject to change without notice.

Sincerely, Sunil Sethi Broker, Realtor, MBA, CPA (510) 793-8600 ext. 107 (510) 388-2436

If you would like to be removed from this mailing please email me at sunil@sunilsethi.com

Today's Rate

The Following are Refinance Rates::

Conforming 30 Year Fixed 6.250% Rate 6.253% APR No Points. No Closing Cost. Refinance rate. Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $400000 Loan Amount, 21 Lock Days, Qualified Borrowers Only. APR does not include Mortgage Insurance costs.   Conforming 15 Year Fixed 5.875% Rate 5.875% APR No Points. No Closing Costs. Refinance Rate. Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $400000 Loan Amount, 21 Lock Days, Qualified Borrowers Only. APR does not include Mortgage Insurance costs.   Conforming 5 Year ARM 5.875% Rate 5.880% APR No Points. No Closing Costs. Refinance Rate Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $400000 Loan Amount, 21 Lock Days, Qualified Borrowers Only. APR does not include Mortgage Insurance costs.   Conf Jumbo 30 Year Fixed 6.625% Rate 6.626% APR No Points. No Closing Costs. Refinance rate. Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $500000 Loan Amount, 21 Lock Days, Qualified Borrowers Only. APR does not include Mortgage Insurance costs.   Conf Jumbo 15 Year Fixed 6.250% Rate 6.251% APR No Points. No Closing Costs. Refinance Rate. Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $500000 Loan Amount, 30 Lock Days, Qualified Borrowers Only. APR does not include Mortgage Insurance costs.   Non Conforming 30 Year Fixed 8.250% Rate 8.289% APR No Points. Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $900000 Loan Amount, 30 Lock Days, Qualified Borrowers Only.   Non Conforming 7 Year ARM 9.000% Rate 9.043% APR No Points. Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $900000 Loan Amount, 30 Lock Days, Qualified Borrowers Only.

The above programs assume you are financing a single family detached home. Additional discounts may be available for low LTVs, high FICOs and imploying impound accounts to pay for property taxes and insurance. Rates are subject to change without notice.

Sincerely, Sunil Sethi Broker, Realtor, MBA, CPA (510) 793-8600 ext. 107 (510) 388-2436

If you would like to be removed from this mailing please email me at sunil@sunilsethi.com

Today's Rate

The Following are Refinance Rates::

Conforming 30 Year Fixed 6.375% Rate 6.377% APR No Points. No Closing Cost. Refinance rate. Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $400000 Loan Amount, 21 Lock Days, Qualified Borrowers Only. APR does not include Mortgage Insurance costs.   Conforming 15 Year Fixed 6.000% Rate 6.001% APR No Points. No Closing Costs. Refinance Rate. Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $400000 Loan Amount, 21 Lock Days, Qualified Borrowers Only. APR does not include Mortgage Insurance costs.   Conforming 5 Year ARM 6.000% Rate 6.004% APR No Points. No Closing Costs. Refinance Rate Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $400000 Loan Amount, 21 Lock Days, Qualified Borrowers Only. APR does not include Mortgage Insurance costs.   Conf Jumbo 30 Year Fixed 6.875% Rate 6.876% APR No Points. No Closing Costs. Refinance rate. Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $500000 Loan Amount, 21 Lock Days, Qualified Borrowers Only. APR does not include Mortgage Insurance costs.   Conf Jumbo 15 Year Fixed 6.500% Rate 6.501% APR No Points. No Closing Costs. Refinance Rate. Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $500000 Loan Amount, 30 Lock Days, Qualified Borrowers Only. APR does not include Mortgage Insurance costs.   Non Conforming 30 Year Fixed 8.250% Rate 8.289% APR No Points. Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $900000 Loan Amount, 30 Lock Days, Qualified Borrowers Only.   Non Conforming 7 Year ARM 9.000% Rate 9.043% APR No Points. Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $900000 Loan Amount, 30 Lock Days, Qualified Borrowers Only.

The above programs assume you are financing a single family detached home. Additional discounts may be available for low LTVs, high FICOs and imploying impound accounts to pay for property taxes and insurance. Rates are subject to change without notice.

Sincerely, Sunil Sethi Broker, Realtor, MBA, CPA (510) 793-8600 ext. 107 (510) 388-2436

If you would like to be removed from this mailing please email me at sunil@sunilsethi.com

Today's Rate

The Following are Refinance Rates::

Conforming 30 Year Fixed 6.375% Rate 6.377% APR No Points. No Closing Cost. Refinance rate. Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $400000 Loan Amount, 21 Lock Days, Qualified Borrowers Only. APR does not include Mortgage Insurance costs.   Conforming 15 Year Fixed 6.000% Rate 6.001% APR No Points. No Closing Costs. Refinance Rate. Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $400000 Loan Amount, 21 Lock Days, Qualified Borrowers Only. APR does not include Mortgage Insurance costs.   Conforming 5 Year ARM 6.000% Rate 6.004% APR No Points. No Closing Costs. Refinance Rate Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $400000 Loan Amount, 21 Lock Days, Qualified Borrowers Only. APR does not include Mortgage Insurance costs.   Conf Jumbo 30 Year Fixed 6.875% Rate 6.876% APR No Points. No Closing Costs. Refinance rate. Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $500000 Loan Amount, 21 Lock Days, Qualified Borrowers Only. APR does not include Mortgage Insurance costs.   Conf Jumbo 15 Year Fixed 6.750% Rate 6.750% APR No Points. No Closing Costs. Refinance Rate. Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $500000 Loan Amount, 30 Lock Days, Qualified Borrowers Only. APR does not include Mortgage Insurance costs.   Non Conforming 30 Year Fixed 8.250% Rate 8.289% APR No Points. Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $900000 Loan Amount, 30 Lock Days, Qualified Borrowers Only.   Non Conforming 7 Year ARM 9.000% Rate 9.043% APR No Points. Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $900000 Loan Amount, 30 Lock Days, Qualified Borrowers Only.

The above programs assume you are financing a single family detached home. Additional discounts may be available for low LTVs, high FICOs and imploying impound accounts to pay for property taxes and insurance. Rates are subject to change without notice.

Sincerely, Sunil Sethi Broker, Realtor, MBA, CPA (510) 793-8600 ext. 107 (510) 388-2436

If you would like to be removed from this mailing please email me at sunil@sunilsethi.com

Today's Rate

The Following are Refinance Rates::

Conforming 30 Year Fixed 6.375% Rate 6.377% APR No Points. No Closing Cost. Refinance rate. Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $400000 Loan Amount, 21 Lock Days, Qualified Borrowers Only. APR does not include Mortgage Insurance costs.   Conforming 15 Year Fixed 6.125% Rate 6.126% APR No Points. No Closing Costs. Refinance Rate. Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $400000 Loan Amount, 21 Lock Days, Qualified Borrowers Only. APR does not include Mortgage Insurance costs.   Conforming 5 Year ARM 6.125% Rate 6.128% APR No Points. No Closing Costs. Refinance Rate Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $400000 Loan Amount, 21 Lock Days, Qualified Borrowers Only. APR does not include Mortgage Insurance costs.   Conf Jumbo 30 Year Fixed 6.875% Rate 6.876% APR No Points. No Closing Costs. Refinance rate. Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $500000 Loan Amount, 21 Lock Days, Qualified Borrowers Only. APR does not include Mortgage Insurance costs.   Conf Jumbo 15 Year Fixed 6.750% Rate 6.750% APR No Points. No Closing Costs. Refinance Rate. Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $500000 Loan Amount, 30 Lock Days, Qualified Borrowers Only. APR does not include Mortgage Insurance costs.   Non Conforming 30 Year Fixed 8.125% Rate 8.164% APR No Points. Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $900000 Loan Amount, 30 Lock Days, Qualified Borrowers Only.   Non Conforming 7 Year ARM 9.000% Rate 9.043% APR No Points. Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $900000 Loan Amount, 30 Lock Days, Qualified Borrowers Only.

The above programs assume you are financing a single family detached home. Additional discounts may be available for low LTVs, high FICOs and imploying impound accounts to pay for property taxes and insurance. Rates are subject to change without notice.

Sincerely, Sunil Sethi Broker, Realtor, MBA, CPA (510) 793-8600 ext. 107 (510) 388-2436

If you would like to be removed from this mailing please email me at sunil@sunilsethi.com

Today's Rate

The Following are Refinance Rates::

Conforming 30 Year Fixed 6.375% Rate 6.377% APR No Points. No Closing Cost. Refinance rate. Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $400000 Loan Amount, 21 Lock Days, Qualified Borrowers Only. APR does not include Mortgage Insurance costs.   Conforming 15 Year Fixed 6.125% Rate 6.126% APR No Points. No Closing Costs. Refinance Rate. Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $400000 Loan Amount, 21 Lock Days, Qualified Borrowers Only. APR does not include Mortgage Insurance costs.   Conforming 5 Year ARM 6.750% Rate 6.751% APR No Points. No Closing Costs. Refinance Rate Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $400000 Loan Amount, 21 Lock Days, Qualified Borrowers Only. APR does not include Mortgage Insurance costs.   Conf Jumbo 30 Year Fixed 6.750% Rate 6.751% APR No Points. No Closing Costs. Refinance rate. Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $500000 Loan Amount, 21 Lock Days, Qualified Borrowers Only. APR does not include Mortgage Insurance costs.   Conf Jumbo 15 Year Fixed 6.500% Rate 6.501% APR No Points. No Closing Costs. Refinance Rate. Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $500000 Loan Amount, 30 Lock Days, Qualified Borrowers Only. APR does not include Mortgage Insurance costs.   Non Conforming 30 Year Fixed 8.125% Rate 8.164% APR No Points. Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $900000 Loan Amount, 30 Lock Days, Qualified Borrowers Only.   Non Conforming 7 Year ARM 9.000% Rate 9.043% APR No Points. Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $900000 Loan Amount, 30 Lock Days, Qualified Borrowers Only.

The above programs assume you are financing a single family detached home. Additional discounts may be available for low LTVs, high FICOs and imploying impound accounts to pay for property taxes and insurance. Rates are subject to change without notice.

Sincerely, Sunil Sethi Broker, Realtor, MBA, CPA (510) 793-8600 ext. 107 (510) 388-2436

If you would like to be removed from this mailing please email me at sunil@sunilsethi.com

Today's Rate

The Following are Refinance Rates::

Conforming 30 Year Fixed 6.375% Rate 6.377% APR No Points. No Closing Cost. Refinance rate. Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $400000 Loan Amount, 21 Lock Days, Qualified Borrowers Only. APR does not include Mortgage Insurance costs.   Conforming 15 Year Fixed 6.250% Rate 6.251% APR No Points. No Closing Costs. Refinance Rate. Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $400000 Loan Amount, 21 Lock Days, Qualified Borrowers Only. APR does not include Mortgage Insurance costs.   Conforming 5 Year ARM 6.250% Rate 6.253% APR No Points. No Closing Costs. Refinance Rate Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $400000 Loan Amount, 21 Lock Days, Qualified Borrowers Only. APR does not include Mortgage Insurance costs.   Conf Jumbo 30 Year Fixed 6.875% Rate 6.876% APR No Points. No Closing Costs. Refinance rate. Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $500000 Loan Amount, 21 Lock Days, Qualified Borrowers Only. APR does not include Mortgage Insurance costs.   Conf Jumbo 15 Year Fixed 6.500% Rate 6.501% APR No Points. No Closing Costs. Refinance Rate. Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $500000 Loan Amount, 30 Lock Days, Qualified Borrowers Only. APR does not include Mortgage Insurance costs.   Non Conforming 30 Year Fixed 8.375% Rate 8.414% APR No Points. Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $900000 Loan Amount, 30 Lock Days, Qualified Borrowers Only.   Non Conforming 7 Year ARM 8.875% Rate 8.918% APR No Points. Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $900000 Loan Amount, 30 Lock Days, Qualified Borrowers Only.

The above programs assume you are financing a single family detached home. Additional discounts may be available for low LTVs, high FICOs and imploying impound accounts to pay for property taxes and insurance. Rates are subject to change without notice.

Sincerely, Sunil Sethi Broker, Realtor, MBA, CPA (510) 793-8600 ext. 108 (510) 388-2436

If you would like to be removed from this mailing please email me at sunil@sunilsethi.com

Today's Rate

The Following are Refinance Rates::

Conforming 30 Year Fixed 6.250% Rate 6.253% APR No Points. No Closing Cost. Refinance rate. Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $400000 Loan Amount, 21 Lock Days, Qualified Borrowers Only. APR does not include Mortgage Insurance costs.   Conforming 15 Year Fixed 6.125% Rate 6.126% APR No Points. No Closing Costs. Refinance Rate. Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $400000 Loan Amount, 21 Lock Days, Qualified Borrowers Only. APR does not include Mortgage Insurance costs.   Conforming 5 Year ARM 6.125% Rate 6.128% APR No Points. No Closing Costs. Refinance Rate Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $400000 Loan Amount, 21 Lock Days, Qualified Borrowers Only. APR does not include Mortgage Insurance costs.   Conf Jumbo 30 Year Fixed 6.875% Rate 6.876% APR No Points. No Closing Costs. Refinance rate. Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $500000 Loan Amount, 21 Lock Days, Qualified Borrowers Only. APR does not include Mortgage Insurance costs.   Conf Jumbo 15 Year Fixed 6.500% Rate 6.501% APR No Points. No Closing Costs. Refinance Rate. Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $500000 Loan Amount, 30 Lock Days, Qualified Borrowers Only. APR does not include Mortgage Insurance costs.   Non Conforming 30 Year Fixed 8.250% Rate 8.289% APR No Points. Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $900000 Loan Amount, 30 Lock Days, Qualified Borrowers Only.   Non Conforming 7 Year ARM 8.000% Rate 8.039% APR No Points. Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $900000 Loan Amount, 30 Lock Days, Qualified Borrowers Only.

The above programs assume you are financing a single family detached home. Additional discounts may be available for low LTVs, high FICOs and imploying impound accounts to pay for property taxes and insurance.

Sincerely, Sunil Sethi Broker, Realtor, MBA, CPA (510) 793-8600 ext. 108 (510) 388-2436

If you would like to be removed from this mailing please email me at sunil@sunilsethi.com

Today's Rate

The Following are Refinance Rates::

Conforming 30 Year Fixed 6.250% Rate 6.253% APR No Points. No Closing Cost. Refinance rate. Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $400000 Loan Amount, 21 Lock Days, Qualified Borrowers Only. APR does not include Mortgage Insurance costs.   Conforming 15 Year Fixed 5.875% Rate 5.875% APR No Points. No Closing Costs. Refinance Rate. Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $400000 Loan Amount, 21 Lock Days, Qualified Borrowers Only. APR does not include Mortgage Insurance costs.   Conforming 5 Year ARM 6.625% Rate 6.626% APR No Points. No Closing Costs. Refinance Rate Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $400000 Loan Amount, 21 Lock Days, Qualified Borrowers Only. APR does not include Mortgage Insurance costs.   Conf Jumbo 30 Year Fixed 6.625% Rate 6.626% APR No Points. No Closing Costs. Refinance rate. Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $500000 Loan Amount, 21 Lock Days, Qualified Borrowers Only. APR does not include Mortgage Insurance costs.   Conf Jumbo 15 Year Fixed 6.375% Rate 6.376% APR No Points. No Closing Costs. Refinance Rate. Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $500000 Loan Amount, 30 Lock Days, Qualified Borrowers Only. APR does not include Mortgage Insurance costs.   Non Conforming 30 Year Fixed 8.125% Rate 8.164% APR No Points. Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $900000 Loan Amount, 30 Lock Days, Qualified Borrowers Only.   Non Conforming 7 Year ARM 8.000% Rate 8.039% APR No Points. Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $900000 Loan Amount, 30 Lock Days, Qualified Borrowers Only.

The above programs assume you are financing a single family detached home. Additional discounts may be available for low LTVs, high FICOs and imploying impound accounts to pay for property taxes and insurance.

Sincerely, Sunil Sethi Broker, Realtor, MBA, CPA (510) 793-8600 ext. 108 (510) 388-2436

If you would like to be removed from this mailing please email me at sunil@sunilsethi.com

rates are back-up

Rate got better  when Fannie & Freddie got taken over ( which no one really understands why), and then they got even better with the collapse of Lehman. So you’d have thought there would have been a mad rush of refinances for all those 5/1 ARMs expired and expiring in the next 6 months, but no most borrowers remain optimistic that rates will get better.

 

Unfortunately, the last time we had great rates was in May 2008 and they were good for 2-3 days and then crapped out, which is what the pattern has been this year. Rates get good for 1 or 2 days,a nd than jump back up.

 

You need to take advantage of lower rates when they appear.

Today's Rate

The Following are Refinance Rates::

Conforming 30 Year Fixed 6.250% Rate 6.253% APR No Points. No Closing Cost. Refinance rate. Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $400000 Loan Amount, 21 Lock Days, Qualified Borrowers Only. APR does not include Mortgage Insurance costs.   Conforming 15 Year Fixed 5.875% Rate 5.875% APR No Points. No Closing Costs. Refinance Rate. Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $400000 Loan Amount, 21 Lock Days, Qualified Borrowers Only. APR does not include Mortgage Insurance costs.   Conforming 5 Year ARM 6.500% Rate 6.502% APR No Points. No Closing Costs. Refinance Rate Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $400000 Loan Amount, 21 Lock Days, Qualified Borrowers Only. APR does not include Mortgage Insurance costs.   Conf Jumbo 30 Year Fixed 6.750% Rate 6.751% APR No Points. No Closing Costs. Refinance rate. Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $500000 Loan Amount, 21 Lock Days, Qualified Borrowers Only. APR does not include Mortgage Insurance costs.   Conf Jumbo 15 Year Fixed 6.375% Rate 6.376% APR No Points. No Closing Costs. Refinance Rate. Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $500000 Loan Amount, 30 Lock Days, Qualified Borrowers Only. APR does not include Mortgage Insurance costs.   Non Conforming 30 Year Fixed 8.250% Rate 8.289% APR No Points. Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $900000 Loan Amount, 30 Lock Days, Qualified Borrowers Only.   Non Conforming 7 Year ARM 7.875% Rate 7.913% APR No Points. Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $900000 Loan Amount, 30 Lock Days, Qualified Borrowers Only.

The above programs assume you are financing a single family detached home. Additional discounts may be available for low LTVs, high FICOs and imploying impound accounts to pay for property taxes and insurance.

Sincerely, Sunil Sethi Broker, Realtor, MBA, CPA (510) 793-8600 ext. 108 (510) 388-2436

If you would like to be removed from this mailing please email me at sunil@sunilsethi.com

Today's Rate

The Following are Refinance Rates::

Conforming 30 Year Fixed 5.875% Rate 5.880% APR No Points. No Closing Cost. Refinance rate. Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $400000 Loan Amount, 21 Lock Days, Qualified Borrowers Only. APR does not include Mortgage Insurance costs.   Conforming 15 Year Fixed 5.500% Rate 5.500% APR No Points. No Closing Costs. Refinance Rate. Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $400000 Loan Amount, 21 Lock Days, Qualified Borrowers Only. APR does not include Mortgage Insurance costs.   Conforming 5 Year ARM 6.250% Rate 6.253% APR No Points. No Closing Costs. Refinance Rate Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $400000 Loan Amount, 21 Lock Days, Qualified Borrowers Only. APR does not include Mortgage Insurance costs.   Conf Jumbo 30 Year Fixed 6.375% Rate 6.377% APR No Points. No Closing Costs. Refinance rate. Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $500000 Loan Amount, 21 Lock Days, Qualified Borrowers Only. APR does not include Mortgage Insurance costs.   Conf Jumbo 15 Year Fixed 5.875% Rate 5.875% APR No Points. No Closing Costs. Refinance Rate. Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $500000 Loan Amount, 30 Lock Days, Qualified Borrowers Only. APR does not include Mortgage Insurance costs.   Non Conforming 30 Year Fixed 8.250% Rate 8.289% APR No Points. Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $900000 Loan Amount, 30 Lock Days, Qualified Borrowers Only.   Non Conforming 7 Year ARM 7.750% Rate 7.788% APR No Points. Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $900000 Loan Amount, 30 Lock Days, Qualified Borrowers Only.

The above programs assume you are financing a single family detached home. Additional discounts may be available for low LTVs, high FICOs and imploying impound accounts to pay for property taxes and insurance.

Sincerely, Sunil Sethi Broker, Realtor, MBA, CPA (510) 793-8600 ext. 108 (510) 388-2436

If you would like to be removed from this mailing please email me at sunil@sunilsethi.com

Today's Rate

The Following are Refinance Rates::

Conforming 30 Year Fixed 6.000% Rate 6.004% APR No Points. No Closing Cost. Refinance rate. Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $400000 Loan Amount, 21 Lock Days, Qualified Borrowers Only. APR does not include Mortgage Insurance costs.   Conforming 15 Year Fixed 5.625% Rate 5.625% APR No Points. No Closing Costs. Refinance Rate. Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $400000 Loan Amount, 21 Lock Days, Qualified Borrowers Only. APR does not include Mortgage Insurance costs.   Conforming 5 Year ARM 6.375% Rate 6.377% APR No Points. No Closing Costs. Refinance Rate Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $400000 Loan Amount, 21 Lock Days, Qualified Borrowers Only. APR does not include Mortgage Insurance costs.   Conf Jumbo 30 Year Fixed 6.375% Rate 6.377% APR No Points. No Closing Costs. Refinance rate. Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $500000 Loan Amount, 21 Lock Days, Qualified Borrowers Only. APR does not include Mortgage Insurance costs.   Conf Jumbo 15 Year Fixed 6.125% Rate 6.126% APR No Points. No Closing Costs. Refinance Rate. Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $500000 Loan Amount, 30 Lock Days, Qualified Borrowers Only. APR does not include Mortgage Insurance costs.   Non Conforming 30 Year Fixed 8.250% Rate 8.289% APR No Points. Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $900000 Loan Amount, 30 Lock Days, Qualified Borrowers Only.   Non Conforming 7 Year ARM 7.750% Rate 7.788% APR No Points. Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $900000 Loan Amount, 30 Lock Days, Qualified Borrowers Only.

The above programs assume you are financing a single family detached home. Additional discounts may be available for low LTVs, high FICOs and imploying impound accounts to pay for property taxes and insurance.

Sincerely, Sunil Sethi Broker, Realtor, MBA, CPA SMA Financing (510) 793-8600 ext. 108 (510) 388-2436

If you would like to be removed from this mailing please email me at sunil@sunilsethi.com

Pat yourself on the bank, I mean back

thanks for bailing out Fannie and Freddie, if you hadn't no one else would have, and then for sure the housing market would have collapsed further. Just think if the government hadn't provided the quasi-insurance the 1st place to these GSE, they would have sunk long ago, which would have prevented all those innocent people who really couldn't afford to buy a home and are now losing them, to well not have bought them in the 1st place.

hmmmmm.....