Home Mortgage Rates & Blog

Much lower mortages rates

I started my mortgage career working for large banks.  Now that I work for a mortgage specialty company I understand that we have much lower rates because we don’t pay for expensive nationwide advertising, nor the overhead on thousands of bank branches. Because of this, I can help you save money monthly or buy a bigger house.

How is a mortgage rate determined?

There are many factors that go into deciding what your rate will be including inflation, the Federal Reserve, the overall strength of the global economy, the yield on the 10 year treasury note, your credit score, the property type, loan to value and the type of loan program.  Rates change daily, sometimes multiple times per day. Please use the Quick Quote reQuest form to the left to get a quick rate quote or give me a call.

Online and TV teaser rates

If you see an interest rate online or TV that looks fantastic, it’s probably too good to be true. Some companies simply lie, others are quoting the best possible credit rating, loan product, or maybe even not quoting the current rate. Be prepared for a possible “bait-and-switch” sales pitch. Getting the best loan product and rate is a process, and requires a bit of effort. I encourage you to shop around…I’m highly confident that you’ll end up with us.

Daily monitoring of rates

I monitor economic reports and rates throughout the day so you don’t have to. I’ll let you know the current trends and help you decide when the best time to lock will be.  Below please find my semi-daily blog on interest rates and other mortgage and local real-estate topics.