Arizona Homeowner presented by Patrick Obluck

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Brady Holland Mortgage Banker

Pinnacle Capital Mortgage Corporation 3200 E. Camelback Rd., Suite 123 Phoenix, AZ 85018

MLO-180079

Real estate financing can be a daunting task. And that is especially true in today’s world where lenders are more cautious about lending due to economic uncertainty. I understand that choosing a mortgage is one the biggest decisions that you will make. You want the best interest rate and you want the pre-approval, application, and close of escrow process to be hassle-free. I understand. I listen to your needs. And I respond quickly and deliver. Let me put my nearly two decades of residential lending experience to work for you!

Call me today!

Arizona Homeowner January | February 2013

HURRY... BEFORE IT’S TOO LATE!

Many of you have already called to take advantage of our amazingly low interest rates through a purchase or refinance. And for those that haven’t yet called, we are starting to see rates rise again due to the changing dynamics of the economy.

Winter Retreats Right Here in Arizona

If your current rate is above 4%, it is time to lock in a historic-low rate before they are gone. Mortgage rates are so low today that we are seeing most clients lower their existing mortgage rate by 2-3%. As an example, a 2% reduction in rate on a $250k loan saves you $5,000 a year. Over ten years that saves you $50,000. These are mind-boggling savings numbers considering how inexpensive refinancing is. As recently as eight months ago the greatest barrier to refinancing was the fact that many people in the Greater Phoenix area owe more on their home than it is worth. And back then, if you didn’t have equity you couldn’t get a refinance. But times have changed with some newly introduced loan programs that allow us to refinance homes with no equity. Just last week I refinanced a client who owed $400k on a home worth $200k and dropped their rate almost 3%. They are saving $7k a year from our refinance despite being substantially upside-down on their home. But time is limited, as our federally backed program does expire in 2013.

As an added bonus, clients who refinance with us by year-end will enjoy a deferred mortgage payment during the holiday season. Please call or email me today for a free analysis to find out how much money I can save you with a refinance. I look forward to hearing from you.

Brady Holland Branch Manager

MLO-180079

Direct: 480.272.3282 Brady@BradyHollandGroup.com

MORTGAGE RATES As of 10/18/12

Loan Rates for $150K-$417K: • 30-Year Fixed: 3.625%/3.776% APR • 15-Year Fixed: 3.000%/3.121% APR • 7/1 ARM: 3.125%/3.124% APR

*Note: All rate quotes offered for primary home purchase or no cash-out refinance financing with 720+ FICO score. Loans under $417K are quoted based on 20% equity. Loans above $417k and other financing options are available upon request. All rates are quoted subject to change without notice. NMLS 81395 AZ BK#910890

This is not a commitment to lend. Subject to qualification. Not all applicants will qualify.

Produced by Desert Lifestyle Publishing • 480.460.0996 • www.DesertLifestyle.net

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