Today's Rate

The Following are Refinance Rates::

Conforming 30 Year Fixed 6.750% Rate 6.751% 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 7.250% Rate 7.250% 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 6.875% Rate 6.875% 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 6.875% Rate 6.912% 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 6.875% Rate 6.912% 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 7.000% Rate 7.001% 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 6.750% 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, $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 7.500% Rate 7.500% APR No Points. No Closing Costs. Refinance rate. Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $500000 Loan Amount, 21 Lock Days, Qualified Borrowers Only. APR does not include Mortgage Insurance costs.   Conf Jumbo 15 Year Fixed 7.250% Rate 7.250% 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 7.250% Rate 7.287% 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 7.250% Rate 7.287% 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 6.875% Rate 6.876% 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 6.500% 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, $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 7.375% Rate 7.375% 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 7.000% Rate 7.000% 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 7.000% Rate 7.037% 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 7.000% Rate 7.037% 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 7.000% Rate 7.001% 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 6.750% 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, $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 7.375% Rate 7.375% 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 7.250% Rate 7.250% 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 7.250% Rate 7.287% 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 7.250% Rate 7.287% 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 6.750% Rate 6.751% 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 6.375% 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, $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 7.250% Rate 7.250% 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 7.000% Rate 7.000% 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 7.000% Rate 7.037% 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 7.000% Rate 7.037% 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 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 6.875% 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 6.375% 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 6.375% Rate 6.410% 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 6.375% Rate 6.410% 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 5.750% Rate 5.750% APR No Points. No Closing Costs. Refinance Rate. Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $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 6.375% 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 6.375% Rate 6.410% 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 6.375% Rate 6.410% 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 6.625% Rate 6.626% 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 6.500% Rate 6.537% 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 6.500% Rate 6.537% 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 6.625% Rate 6.626% 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 7.250% Rate 7.250% 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 6.625% Rate 6.625% APR No Points. No Closing Costs. Refinance Rate. Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $500000 Loan Amount, 30 Lock Days, Qualified Borrowers Only. APR does not include Mortgage Insurance costs.   Non Conforming 30 Year Fixed 6.625% Rate 6.662% 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 6.625% Rate 6.662% 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

View Listings

Rates have been pretty crazy this week. I've seen the 30 yr fixed goes as high as 7.25% for a conforming no cost refinance. Today's it's at 6.625%

There are incentives for high FICO scores and low LTVs (loan to values). Call me for a custom quote.

 

How do you like my new phone accessory?

Today's Rate

The Following are Refinance Rates::

Conforming 30 Year Fixed 6.750% Rate 6.751% 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 6.500% 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, $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 7.000% Rate 7.001% APR No Points. No Closing Costs. Refinance rate. Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $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 6.750% Rate 6.787% 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 6.750% Rate 6.787% 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 7.125% Rate 7.125% 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 6.750% 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, $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 7.375% Rate 7.375% 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 7.000% Rate 7.000% 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 7.000% Rate 7.037% 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 9.375% Rate 9.418% 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 6.875% Rate 6.876% 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 6.500% 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, $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 7.250% Rate 7.250% 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 6.875% Rate 6.875% 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 6.875% Rate 6.912% 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 9.375% Rate 9.418% 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 6.875% Rate 6.876% 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 6.375% 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, $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 7.250% Rate 7.250% 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 6.875% Rate 6.875% 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 6.875% Rate 6.912% 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 9.375% Rate 9.418% 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 6.750% Rate 6.751% 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 6.375% 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, $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 7.250% Rate 7.250% 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 6.875% Rate 6.875% 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 6.875% Rate 6.912% 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 9.125% Rate 9.168% 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 6.750% Rate 6.751% 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 6.750% 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 7.250% Rate 7.250% 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 7.000% Rate 7.000% 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 7.000% Rate 7.037% 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 9.125% Rate 9.168% 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 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 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 6.625% Rate 6.625% APR No Points. No Closing Costs. Refinance Rate. Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $500000 Loan Amount, 30 Lock Days, Qualified Borrowers Only. APR does not include Mortgage Insurance costs.   Non Conforming 30 Year Fixed 6.625% Rate 6.662% 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 8.250% 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.

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 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 6.375% 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 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 8.375% 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 8.250% 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.

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 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 6.875% 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 9.125% Rate 9.168% 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 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 7.000% Rate 7.001% APR No Points. No Closing Costs. Refinance rate. Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $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 8.500% Rate 8.540% 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 9.125% Rate 9.168% 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 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 8.375% 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 9.125% Rate 9.168% 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

2008 Temporary Loan Limits Will Soon Expire

SMA Financing would like to remind clients that the 2008 temporary loan limits will soon be expiring.

The High Balance Conforming Loan Program which is currently at $729,750, will become $625,500 for most lenders after Dec. 1, 2008.

Lock Period Deadlines

High Balance Conforming Loan Program loans, that is, loans in excess of $729,750 need to be funded and closed prior to Dec. 1, 2008.

After this period the maximum loan balance for most Alameda, Contra Costa, San Mateo and San Francisco Counties will become $625,500.

If your loan balance is higher than $625,500 act now rather than later.

Best regards,

Sunil Sethi

510-793-8600

www.sunilsethi.com

Today's Rate

The Following are Refinance Rates::

Conforming 30 Year Fixed 6.500% Rate 6.502% 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 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 6.500% 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 6.500% Rate 6.537% 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 9.125% Rate 9.168% 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