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Today's Mortgage Rates

January 5, 2009
Product	Rate	APR
30 Year Fixed	4.375	4.743
30 Year Fixed, Interest Only	6.000	6.388
15 Year Fixed	4.250	4.847
5 Year ARM	4.500	5.049
5 Year Interest Only ARM	4.500	5.020

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USDA Mortgage Loans

USDA home loans are offered in rural areas as determined by the United States Department of Agriculture (USDA). The USDA’s mission is to help lower income households obtain home loans at reasonable mortgage rates. USDA home loans offer many advantages to qualified borrowers.

USDA mortgage loans allow for purchase and no cash out refinances of primary residences. Some benefits of USDA are:

100% financing
No monthly mortgage insurance
No asset or automatic reserve requirements
Gifts allowed for closing costs
Required property improvements can be financed into the loan up to 102% of the "improved" value. (USDA will allow repairs to be completed after closing!)

Eligible USDA property types include single family homes, condominiums and manufactured housing*. USDA does have some income and property eligibility requirements.

Even though a mortgage insurance premium is not required, USDA charges a 2% funding fee to guarantee the mortgage. This fee may be financed into the loan amount.

*Must be on permanent foundation.

Live Customer Satisfaction Survey

Read what customers say about our level of service.

Posted: 12/31/08 1:10 PM
The communication has been up to date and the loan officer has been very helpful.

Posted: 12/31/08 11:42 AM
Your service representatives Mike McCarthy,and Rachel have done more than I expected so keep it up!

Posted: 12/31/08 11:02 AM
I am about half way finished with the refinancing process.
Up to this point AmeriSave's Service has been first class!

Posted: 12/31/08 10:07 AM
Service is quick - Communications are contstant

Posted: 12/31/08 9:59 AM
Progress seems timely and easily underst. . .

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