7 | February 8-9, 2014 | hometown LAWRENCE
MORTGAGE MARKETPLACE LENDER
LOAN TYPE
30-YR. FIXED
RATE/APR/POINTS
FHA Fixed
4.500/4.5542 + 0 Please Call
3.500/3.5931 + 0 Please Call
FHA*-30Yr./15Yr. 20Yr 5/1 ARM/7/1 ARM
Call For Rates (credit score 620) Call For Rates (credit score 660) 4.375 + 0 (4.462% APR) (credit score 740) Please Call Please Call
Conv. FHA/VA Jumbo Conv.
4.625 + 0 4.000 + 0 Call For Rates 4.375 + 0
3.500 + 0
Please Call Please Call
Please Call Please Call
Commerce Bank 865-4721 1/27/14
FHA/VA
4.000 + 0
Jumbo
4.500 + 0
Douglas County Bank 865-1000 1/08/14 Fairway Mortgage Corp. 4104 W. 6th St., Ste. B 842-2443/842-2554 12/5/13
Conv. Jumbo
4.500 + 0 (4.542% APR) Call for quote.
3.500 + 0 (3.572% APR)
Conv.
Call For Rates
Call For Rates
Jumbo
Call For Rates
Call For Rates
5/1 ARM 7/1 ARM 10/1 ARM 7/1 Jumbo 10/1 Jumbo 20 Yr. Fixed 10 Yr. Fixed 10 Yr. 20 Yr. 15 Yr. Rental 30 Yr. Rental FHA USDA
3.125 + 0 (3.049% APR) 3.500 + 0 (3.254% APR) 3.750 + 0 (3.503% APR) 3.500 + 0 (3.389% APR) 3.750 + 0 (3.600% APR) 4.000 + 0 (4.099% APR) 3.125 + 0 (3.356% APR) 3.125 + 0 (3.229% APR) 4.125 + 0 (4.182% APR) 4.000 + 0 5.000 + 0 Call For Rates Call For Rates
Conv. Conv. Jumbo
4.125 + 0 4.000 + 1 4.375 + 0
3.375 + 0 3.125 + 1 3.750 + 0
Conv.
3.875% + 1 4.125% + 0
3.125 +1 3.375 + 0
3/1 ARM 5/1 ARM 7/1 ARM FHA/VA USDA 3/1 ARM Commercial/Rental 3/1 ARM Commercial/Rental 3/3 ARM Construction – Perm
Please Call + 1 2.875 + 1 3.125 + 1 3.750 + 0 3.750 + 0 2.125 + 1 (15 or 20 yr amortization) 3.250 +1 (15 or 20 yr amortization) 3.625 + 1 (15 or 20 yr amortization) 3.875% + 1
Conv. FHA/VA
4.375 + 0 (4.57% APR) 4.375 + 0 (4.57% APR)
3.375 + 0 (3.835% APR)
4.500 + 0 (4.542% APR)
3.500 + 0 (3.572% APR)
Jumbo
Please Call
Please Call
Please Call Please Call Please Call Please Call Please Call 4.375 + 0 (4.432% APR) 3.750
THE DATA DISPLAYED BELOW IS FOR INFORMATIONAL PURPOSES ONLY. THIS IS NOT AN ADVERTISEMENT FOR CREDIT AS DEFINED BY PARAGRAPH 226.24 OF REGULATION Z. CALL LENDER FOR APR. ARM-ADJUSTABLE RATE MORTGAGE; CAPS MAXIMUM PER ADJUSTMENTS & LIFETIME RATE ADJUSTMENT LTV-LOAN TO VALUE; JUMBO - ANY LOAN AMOUNT OVER $417,000.
Conv.
20 Yr. Conv. 3/1 ARM 5/1 ARM 7/1 ARM 7/1 Jumbo 20 Yr. HELOC
Conv. Jumbo VA/FHA
4.500 + 0 (4.550% APR) Please Call 4.000 + 0 (4.310/4.948% APR)
3.375 + 0 (3.459% APR) Please Call 3.500 + 0 (4.044/4.394% APR)
10 Yr. Fixed
3.125 + 0 (3.247% APR)
Lower closing costs for purchases and refinances. Your dream is my business. If you have less than 20% for a down payment, your mortgage insurance may cost less with Landmark. Call Brian McFall or Dave Ludwig for details and to get your prequalification or refinance started. Landmark has FHA, Conventional and VA loans. VA loans allow for NO DOWN PAYMENT. Closing costs vary from lender to lender, call Landmark and compare our costs and rates with any other lender. Call us today at 841-6677. The above rates are based on a loan of $120,000 or higher and a median credit score of 740 or above. Other rate and point options are available.
Conv.
4.375 + 0 (4.429% APR) (credit score 740) Please Call (credit score 720 and LTV < 70%)
3.375 + 0 (3.467% APR) (credit score 740) Please Call (credit score 720 and LTV < 70%)
20-Yr. Fixed
Conv. Jumbo
4.500 + 0 (4.607% APR) Please call 856-7878 ext 5037
3.500 + 0 (3.683% APR) Please call 856-7878 ext 5037
Please call 856-7878 ext 5037
4.125 + 0 (4.198% APR) (credit score 740) 3.000 + 0 (3.132% APR) (credit score 740) Please call (credit score 740) 97% Advantage Program: Please call for rates (credit score 660) 20 year : please call 15/30 Pricing options available
Conv. Jumbo
4.250% APR + 0
3.375 + 0
FHA VA USDA 20 Year
3.750 + 0 3.750 + 0 3.750 + 0 4.000 + 0
Conv. Jumbo
4.375 CALL
3.375 CALL
10 Year 20 Year 30 Year Rental 15 Year Rental
2.990 4.125 4.750 3.875
Truity Credit Union 749-6804 3400 W. 6th 1/28/14
Conv.
4.375 + 0 (4.417% APR)
3.375 + 0 (3.446% APR)
20 yr. HELOC
4.125 + 0 (4.182% APR) (as low as) 3.625 + 0
Contact Geoff Strole at 749-6804 or geoff.strole@TruityCU.org. Local Servicing. Free Pre-Qualifications within Minutes of Applying. Apply 24/7 at www.LawrenceMortages.org. Rates quoted are for purchase transactions with a 740 or higher median credit score. Refinance rates may be slightly higher. Call or email for complete details and to obtain a no obligation quote! We are also proud to be an Approved Lender for the Tenants to Homeowners Program...Creating Permanently Affordable Workforce Housing in Lawrence! Check out complete details at: www.tenants-to-homeowners.org
University National Bank 841-1988 1/23/14
Conv. Jumbo
4.375 (4.402% APR) Call For Rates
3.375 (3.421% APR) Call For Rates
10 year 20 year FHA
3.250 + 0 (3.317% APR) 4.250 + 0 (4.288% APR) Call For Rates
FREE SAME DAY APPROVALS! CONSIDER A REFINANCE WHILE RATES ARE AT AN ALL TIME LOW! RATES ARE SUBJECT TO CHANGE AND ARE BASED ON CREDIT SCORE OF 740. PLEASE CALL TODAY FOR YOUR QUOTE! NMLS#403070
Central National Bank 838-1882 1/07/14
First Assured Mortgage 785-856-LOAN (5626) 2/04/14 First Federal Savings & Loan 4311 W 6th -Suite D 785-749-5500 11/5/13 First State Bank & Trust 609 Vermont 3901 W. 6th St. 785-312-6810 1/31/14
KU Credit Union 3400 W 6th St 785-749-6804 7/18/13 Landmark Bank 841-6677 1/13/14
Lawrence Bank 838-9704 1/17/14
Meritrust Credit Union 856-7878 9/24/13 Mid America Bank 4114 W 6th St. 841-8055 1/29/14
Pulaski Bank Home Lending 3210 Mesa Way Suite B 785-856-1450 1/21/14
4.375 + 0 (4.462% APR) (credit score 740) Call For Rates (credit score 740)
Conv. Jumbo
ADDITIONAL INFORMATION
3.375 + 0 (3.524% APR) (credit score 740)
Capitol Federal® Savings 1026 Westdale 749-9050 1/23/14
Conv.
RATE/APR/POINTS
Call for Rates!
Capital City Bank 740 New Hampshire 330-1200 1/23/14
Call for Rates!
ARMs/EQUITY/ OTHER LOANS Call for Rates!
Bank of America Home Loans 4931 W 6th St., Ste 122 785-312-3224 8/7/13
Conv. FHA/VA Jumbo
15-YR. FIXED & VARIATION
RATE/APR/POINTS Call for Rates!
Visit Mortgage Marketplace online at hometownlawrence.com
Jumbo
Jumbo
Call For Rates 3.500 + 0
(4.448% APR)
(3.625% APR)
(5.138% APR) (4.573 % APR)
Please Call
(4.506% APR)
(3.815% APR)
Please Call
VA Fixed Up to 100% Refinance 80%
10-Yr. Fixed FHA/VA/USDA
Contact a local Bank of America representative: (785) 312-3224 / Toll Free (877) 676-4300 / Fax (785) 865-1329 -- Preston Butler NMLS ID# 927374 (785) 312-3189, Nancy McDougal NMLS ID# 505621 (785) 312-3187, Stephen Hayward NMLS ID# 522224 (785) 312-3208 Call us for the latest rates available. Same Day Pre-Approval in most cases - call for application! We can work via phone or email! NOW is the time to purchase your home! You can’t go wrong with the great rates we can offer. APR’s based on loans amount of $100,000.00 (80%LTV)with a close date of the first of the month. APR’s may vary depending on the day of the month the loan closes. Rates quoted for 45 days lock time. Capital City Bank - We Make It Work Lawrence Office -785/330-1200 Diana Deutsch - 785/3301220 direct Jeff Schuler - 785/330-1221 direct Loan Assumptions: ¹Primary Residence, Purchase Loan with a value of $125,000 and loan amount of $100,000, estimated monthly payment of $678.62 for 180 months. ²Primary Residence, Purchase Loan with a value of $125,000 and loan amount of $100,000, estimated monthly payment of $449.04 for 360 months. Real estate taxes and homeowners insurance could increase the monthly payment. Receive local servicing for the life of the loan on all conventional loans. Please call Mark Hernandez (NMLS#556689) at 785.749.9053 or apply online at www.capfed.com. APR = Annual Percentage Rate. *Registered with HUD as Capitol Federal® Savings Bank. *Rates may be slightly higher for refinance loans. *Save money with our “Biweekly Mortgage” program. *We service your loan after closing. Call Tom Koenig at 785-838-1882. NMLS ID# 472917
(5.320% APR) (4.182% APR) (5.398% APR) (4.349% APR)
Call Casey Owens at 865-4721 for free pre-approval and for more information on mortgages for residential and investment properties. Rates change daily. Rates quoted here on loan amounts of $160,000 to $417,000 with minimum required credit score.
NOW IS THE TIME TO LOCK IN A GREAT LOW FIXED RATE! WHETHER YOU ARE BUYING, BUILDING OR REFINANCING, CONTACT DOUG GASTON FOR YOUR HOME FINANCING NEEDS. CALL DOUG GASTON @ 865-1013 FAX: 865-1025 Unbelievably LOW rates! Now is the time to purchase or refinance! Give us a call or email us for a FREE pre-approval or refinance analysis. (Rates subject to change. Posted rates assume credit score > 740 and are for PURCHASE financing with 20% down payment. Refinance rates MAY be slightly higher) For your FREE pre-approval or refinance quote. Call 785-856-5626 or go to www.firstassuredmortgage.com. First Assured Mortgage is your local, low cost provider for Conventional, FHA, VA, and USDA mortgages. Kansas Licensed Mortgage Company MC.0001442 NMLS #17380 Construction-to-perm loan product has one closing, lock rate on perm loan, 30 yr amortization available. Call Alan Hoggatt for more details, 785-749-5500, alan@firstfederalsl.com.
Contact Geoff Strole at 785-749-6804 or geoff.strole@kucu.org. Local Servicing. Free Pre-Qualifications within Minutes of Applying. Apply 24/7 at www.kucu.org. Rates quoted are for purchase transactions with a 740 or higher median credit score. Refinance rates may be slightly higher. Call or email for complete details and to obtain a no obligation quote! We are also proud to be an Approved Lender for the Tenants to Homeowners Program...Creating Permanently Affordable Workforce Housing in Lawrence! Check out complete details at: www.tenants-to-homeowners.org
Free Same Day Pre-Approvals. Rates quoted on loan amounts of $125,000.00 or more, purchase, 45 day lock with a credit score of 740 and above. Rates subject to change without notice. New PMI option available with an average savings of 30% per year. Please call or email for cashout refinance quotes as those vary from the quotes above. Call or email us today for all your lending needs! Courtney Nowak at 785-856-9405 and Kelley Smetak at 785-856-9424. Free Pre-approvals! Apply online or call Colette Wedan at 785-856-7878 ext 5037 for more info. Local Credit Union committed to giving you the smoothest closing! Local servicing for the life of the loan! Rates subject to change & are based on a Purchase loan, 20% down payment and 740 credit score. RATES ARE AMAZING! We offer a FREE,No Obligation Pre-Approval Letter, and Good Faith Estimate with APR. We are first time homebuyer specialists. Consider A USDA loan with NO down payment required! Great options on rental properties too. Call to have us analyze your refinance options. Free borrower education session ** Rates for refinance may vary. APR based on $200,000 purchase loan, 80% LTV and 720 credit score. MEMBER FDIC EQUAL HOUSING LENDER. NMLS#619730 **** CALL TODAY or apply online for a no-obligation rate quote and fee estimate, to be pre-approved, or to talk with a Mortgage Advisor about preparing for a future purchase. Pulaski Bank provides loans for purchase, refinance, investment property, second homes, second mortgages/HELOCS and Bridge Loans! We provide options with little or no down payment, and offer Financed Mortgage Insurance to keep your payment as low as possible. Rates shown are for a purchase transaction with a >740 credit score - refinance rates may vary.