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Today's Mortgage Rates

January 6, 2009
Product	Rate	APR
30 Year Fixed	4.250	4.590
30 Year Fixed, Interest Only	5.500	5.863
15 Year Fixed	4.250	4.651
5 Year ARM	4.500	5.003
5 Year Interest Only ARM	4.500	4.978

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FHA Mortgage News

Posted: 08/22/08 2:15 PM

Down Payment Assistance Ending

As part of the Housing and Economic Recovery Act of 2008, the elimination of down payment assistance is cited (SEC. 2113) with an end date of October 1, 2008. According to the law, if you are pursueing a loan where you require down payment. . .

FHA Mortgage Loans

FHA home loans are insured by the Federal Housing Administration. Although FHA mortgage rates may typically be higher than conventional loans, FHA mortgages offer many advantages.

The Federal Housing Administration (FHA) has been helping borrowers realize the American dream of affordable homeownership since 1934. FHA financing advantages include:

Low Down Payment: as little as 3.5%
Flexible Credit Guidelines: generally easier to qualify than with conventional home financing
Competitive Mortgage Rates
Down Payment Assistance: the down payment for your FHA loan can come from a gift, and reserves are not an automatic requirement.

FHA is one of the few remaining programs that will allow up to 95% cash out on a refinance and will lend in declining markets without an automatic reduction in loan-to- value*.

FHA insures single & multi family (up to 4 unit) homes, condominiums and manufactured housing**. Financing options include traditional fixed rate products, adjustable rate mortgages and temporary interest rate buy-downs.

Best of all, your loan is insured by FHA which gives lenders greater flexibility with our lending guidelines.

*Appraisal must support mortgage loan-to-value.
**Must be on permanent foundation.

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