Home Loans, Financing, Refinancing, Purchases, Cash Out Refinance, 2nd Mortgages, Home Equity Lines of Credit, Stand Alone Seconds
Fixed Rate Loans Amortized at 10, 15, 30, 40 or 50 Years
2, 3, 5, 7, 10 Year Interest Only Arm Loans
The lowest Option Arms available in the market with a 1% Start Rate, an Interest Only Option Amortized for 40 Years!
CASH-OUT/HOME EQUITY/BAD CREDIT/GOOD CREDIT/NEW CREDIT/MORTGAGE LATES/COLLECTIONS/BANKRUPTCY/FORECLOSURES, OK.
"The average mortgagor in the US will need mortgage services every 5.1 years"
ARM Indexes
An index is an independent, published economic indicator. There is a wide variety of commonly used interest rate indices including the 12-Month Treasury Average Index (12-MTA), the 11th District Cost Of Funds Index (COFI) and the 1- Year Constant Maturity Index (CMT). Lenders use indices to establish the interest rate for an adjustable rate mortgage. Additionally, ARM rates follow the movement of these indices. The lender adds a specified number of percentage points, called a margin, to the index to establish the actual ARM interest rate.
12-MTA
The 12-Month Treasury Average Index (12-MTA) is based on the average annual yields on U.S. Treasury Securities adjusted to a constant maturity of one year, as made available by the Federal Reserve. The 12 months average is determined by adding together the annual yields for the most recently available 12 months and dividing by 12.
Stability: The 12-MTA Advantage
The 12-MTA Index does not move up or down as rapidly as other market interest rates because the 12-MTA is an average of annual yields on U.S. Treasury Securities over a 12 month period.
As a result:
Historically, home loans tied to the
12-MTA have not exhibited sharp
interest rate increases such as those
that occurred in the late 1980s. Unlike
more volatile indices, the 12-MTA has
never increased more than .29% in any month
for over a decade.
Higher yields are offset by lower yields on a monthly basis throughout the year
It creates an index which is far less volatile than other pure-rate indices
Interest rate increases take longer to affect the 12-MTA than other ARM indices
Index Comparison Graph of Major ARM Indices
The following chart compares the movement of the 12-MTA Index to other popular indices. Historically, those indices may fall faster when interest rates drop, but they also climb more quickly when rates increase. Generally, the 12-MTA Index will rise and fall more gradually than the other interest rate indices.
12-MTA
(12 Month Treasury Average)
The 12 month moving average of annual yields on actively traded United States Treasury Securities adjusted to a constant maturity of one year, as made available by the Federal Reserve and published in its Statistical Release, "H.15 - Selected Interest Rates".
The 12-MTA Index is the 12-month average of the annual yields on actively traded U.S. Treasury Securities adjusted to constant maturity of one year as published by the Federal Reserve Board in Statistical Release H-15. The 12-month average is determined by adding together the annual yields for the most recently available 12 months and dividing by 12. This process creates an index that is far less volatile than other adjusted-rate indices.
COFI
(11th District Cost Of Funds Index)
The monthly weighted average cost of deposits and borrowings for savings institutions in the Federal Home Loan Bank's 11th District, as made available by the Federal Home Loan Bank of San Francisco.
LIBOR
(6 -Month London Interbank Offered Rate)
The LIBOR index is based on the average of inter-bank offered rates for one-year U.S. dollar-denominated deposits in the London market, as published in The Wall Street Journal.
CMT
(1-Year Constant Maturity Treasury Index)
The 1-Year CMT is the average yield of all Treasury Securities having one year remaining until maturity. This index is calculated weekly. It's made available by the Federal Reserve and published in its Statistical Release, "H.15 - Selected Interest Rates".
Prime Rate
This base rate on corporate loans posted by at least 75% of the nation's 30 largest banks.
Rates vary with geographic location, lender, transaction type, credit scores and other factors
APR is abbreviation for annual percentage rate
Rates change frequently and these rates may not reflect the latest market conditions
Expressed interest rate may change or be unavailable at commitment or closing
Most rates based on primary residence, purchase transaction
Cash out refinance rates may be slightly higher
Some loans may have pre-payment penalties
Rates on some programs may require higher down payments
This is only a brief summary of rates and programs and possible fees, call for additional information on underwriting requirements
and program limitations. Guidelines posted here are general in nature and subject to change without notice.
Rates must be locked by phone or in person.
Mortgage calculators are believed to be accurate but results are not guaranteed
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My philosophy is that your loan consultant should be dedicated to helping you get the right loan for your individual situation. He or she should personally see to it that your loan application is quickly and accurately evaluated. The underwriting of loans should be both reasonable and flexible. If for some reason a loan does not qualify under standard programs, you should be offered a portfolio loan which allows the bank to make a common sense decision that may be outside of secondary market guidelines. You are the customer, you should be treated with respect, fairness and competence.
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