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Today's Mortgage Rates

November 21, 2008
Product	Rate	APR
30 Year Fixed	5.125	5.484
30 Year Fixed, Interest Only	5.375	5.744
15 Year Fixed	4.500	5.220
5 Year ARM	4.500	5.171
5 Year Interest Only ARM	4.500	5.162

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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.

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Read what customers say about our level of service.

Posted: 11/21/08 11:54 AM
Helped very well and went the extra mile. when I had questions explained every step.

Posted: 11/21/08 10:40 AM
prompt response, either via email or phone......very informative and friendly.

Posted: 11/21/08 9:57 AM
Wonderful service, fast, easy and pleasant.

Posted: 11/21/08 9:28 AM
We are so happy that you have worked through our remodeling completion with us. It has been very difficult for us but we should complete the remodel very soon. We look forward to moving ahead with our refinancing. Thank You!

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