My New Blog

4.750-4.875% 30 year fixed is a no point loan.  5.125% depending upon loan amount may be a "no points, no non-recurring closing costs" (FREE-LOAN) loan ... if you are in the mid-5's or your 5/7 year fixed rate conforming loan is close to "resetting" you should be talking to me about an appointment to fill out paperwork.  This not a sales spiel, this is your mortgage professional telling you to "Act fast before the moment's passed."

Commercial loan rates continue to amaze for those that can still qualify.

I am also doing FHA loans, loan modification consulting (with a national approval rate of 10-15%, what are your chances without professional help?) on a case-by-case basis.  Certain lenders are hopeless but possible legal remedies may apply.  CASE-BY-CASE !!!

Just some reflections and ruminations~off the top of my head~