
Most recently updated companies appear first. Some lenders may offer discounts to mortgage guide customers so please be sure to let the lenders know that you saw their rates on this newspaper's mortgage guide website.

COMPANY NAME

LOAN TYPE
RATE/PTS
APR/LOCK

American Enterprise Bank of FL
877-247-7106

Updated:07/03/08

30-yr Fixed
6.375 0.000
6.470 30

15-yr Fixed
5.875 0.000
6.030 30

30-yr Agency Jumbo
6.500 0.000
6.523 30

7/1 ARM
5.875 0.000
5.433 30

5/1 ARM
5.625 0.000
5.233 30

FHA/VA 30-yr Fxd
6.500 0.000
6.596 30

5 Star Lender as rated by consumers. FDIC Insured

10611 Deerwood Park Blvd., Jacksonville, FL
Fees=click here

National Mortgage Alliance
800-621-6588

Updated:07/03/08

30-yr Fixed
6.250 0.000
6.406 45

15-yr Fixed
5.875 0.000
6.087 45

30-yr Fxd Jmb/Conf
6.500 0.000
6.583 45

5/1 ARM
5.625 0.000
5.728 45

Guaranteed Rates & Fees!
FDIC Insured Direct Lender!
Ask About Our 'Real Deal' No Closing Cost Loan!
6190 Powers Ferry Rd., Ste. 150, Atlanta, GA
Fees=click here

Sun Home Loans
800-786-1677

Updated:07/03/08

HIGH INTEREST RATE???
ADJUSTABLE RATE MORTGAGE GOING UP???
CALL NOW!!!
Many programs now available!
Great rates on 5- and 7- year ARMS!
Jumbo Rates as low as 5.875%
Don't miss out on these great rates!!!
4651 Route 42, Turnersville, NJ
Fees=click here

America's Direct Lender
800-605-4709

Updated:07/03/08

30-yr Fixed
5.875 1.000
5.960 30

15-yr Fixed
5.500 1.000
5.647 30

5/1 Jumbo I-Only
5.875 0.000
5.894 30

30-yr Fixed I-Only
6.000 1.000
6.072 30

30-yr Fxd Jumbo
6.375 1.000
6.467 30

FHA 30-yr Fxd
6.125 0.000
6.129 30

GO DIRECT! WITH AMERICAS FAVORITE DIRECT LENDER!
LOWER RATES FOR CLIENTS WITH 740+ SCORES!
ASK ABOUT OUR LIFE TIME NO COST REFINANCING!
LOANS APPROVED W/ CREDIT SCORES AS LOW AS 525
WE SPECIALIZE IN CONVENTIONAL/FHA & VA FINANCING!
john.inghram@etekcapital.com

115 Route 23 North, Hamburg, NJ
Fees=click here

American Federal Mortgage Corp.
888-321-4687

Updated:07/03/08

30-yr Fixed
6.125* 0.000
6.161 30

15-yr Fixed
5.875 0.000
5.917 30

7/1 ARM
6.000 0.000
5.819 30

FHA 30-yr Fxd
6.375 0.000
6.427 30

5/1 ARM
5.750 0.000
5.518 30

30-yr Fxd Jumbo
6.375 0.000
6.411 30

*30 Year Fixed is a first time homebuyer program

1 Laurel Dr., Flanders, NJ
Fees=click here

1st Constitution Bank
888-519-7677

Updated:07/03/08

15-yr Fixed
5.750 0.000
5.970 30

20-yr Fixed
6.000 0.000
6.120 30

30-yr Fixed
6.375 0.000
6.390 30

30-yr Fxd Jumbo
6.500 0.000
6.630 30

7/1 ARM
5.750 0.500
5.810 60

10/1 ARM
5.875 0.500
5.890 60

Reverse Mortgages available, call for details
Special HELOC starting 5.99%
2650 Route 130, Cranbury, NJ
Fees=click here

Kearny Federal Savings Bank
877-691-2265

Updated:07/03/08

15-yr Fixed
5.750 0.000
5.845 60

20-yr Fixed
5.875 0.000
5.952 60

30-yr Fixed
6.500 0.000
6.565 60

7/1 ARM
5.750 0.000
5.556 60

Application fee rebated at time of closing.
1st Time homebuyers program available.
Call for details.
120 Passaic Ave., Fairfield, NJ
Fees=click here

E & G Financial Services
201-924-1959

Updated:07/03/08

30-yr Fixed
6.25% 0.000
6.27% 90

5/1 Jmb/Conf Arm
5.375 0.000
5.20% 90

5/1 Jm/Con I/O Arm
5.50% 0.000
5.271 90

7/1 Jmb/Conf Arm
5.75% 0.000
5.29% 60

www.egfinancial.bestrates.com
Open Evenings & Weekends
Free float downs NJ Dept. of Banking
1200 Route 46 West, Parsippany, NJ
Fees=click here

Merit Financial
800-996-3748, ext 246

Updated:07/02/08

30-yr Fixed
6.375 0.000
6.470 60

30-yr Fxd Jumbo
6.375* 0.000
6.470 60

5/1 ARM Jumbo
5.625 0.000
6.990 60

7/1 ARM Jumbo
5.875 0.000
7.190 60

15-yr Fxd Jumbo
5.750* 0.000
5.779 60

10/1 ARM Jumbo
6.125 0.000
7.329 90

After hours Call 973-809-9181 or 973-953-4552
Loan to Value for up to $729,000 is 80%; *Over
$729,000.00 the Loan to value is 75%
150 River Rd., Ste. E-1, Montville, NJ
Fees=click here

Partners Mortgage Inc.
908-725-5555

Updated:07/03/08

30-yr Fixed
5.750 0.000
5.759 30

20-yr Fixed
5.750 0.000
5.758 30

15-yr Fixed
5.500 0.000
5.505 30

30-yr Fxd Jmb/Conf
6.000 0.000
6.010 30

**** GUARANTEED LOWEST FIXED RATES ****
**** ZERO COST REFINANCING *****
ASK ABOUT OUR MORTGAGE MANAGER PROGRAM
10,000 SATISFIED CUSTOMERS / $2 BILLION FUNDED
*****CALL NOW 1-888-438-7728*****
220 Westend Ave., Bridgewater, NJ
Fees=click here

Pan Am Funding
800-660-7987

Updated:07/02/08

30-yr Fixed
5.875 2.000
6.352 30

15-yr Fixed
5.375 2.000
5.831 30

Pic-a Pay Option *
3.950 2.000
7.250 30

Fix Pay Fix Rate*
4.500 2.000
7.500 30

Any Income, Any Credit, Any Situation. Low Rates
Buy or Refinance Over 150 Programs Available
$400 credit with ad *deferred interest option
www.PanAmMortgage.com 201-587-0003
Park 80 West Plaza 2, Saddle Brook, NJ

Investors Savings Bank
888-520-2468

Updated:07/02/08

10/1 ARM I/O Jumbo
6.375 0.000
5.979 90

10/1 ARM Jumbo
6.125 0.000
5.841 90

30-yr Jumbo Biwkly
6.375 0.000
6.390 90

30-yr Fxd Jumbo
6.500 0.000
6.509 90

5/1 ARM Jumbo
5.750 0.000
5.460 90

30-yr Fixed
6.375 0.000
6.390 90

Jumbo rates to $1.50 mill, includes one time
relock. New construction loan locks up to 18 mos
NJ, NY, CT, PA, DE. Equal Housing Lender.
Mtge loans provided by ISB Mortgage Co., LLC
249 Millburn Ave., Millburn, NJ
Fees=click here

Terra Financial Group
800-928-6825

Updated:07/02/08

30-yr Fixed
5.750 2.000
6.024 30

15-yr Fixed
5.250 2.000
5.705 30

40-yr Fixed
6.000 2.000
6.236 30

30-yr Fxd Jumbo
6.250 2.000
6.475 30

5/1 ARM
4.750 2.000
5.008 30

7/1 ARM
5.125 2.000
5.389 30

Specializing in JUMBO & NO DOC loans

26 Eastmans Rd, Parsippany, NJ

Prime Time Mortgage Corp.
888-999-1929

Updated:07/02/08

30-yr Fixed
6.500 0.000
6.596 30

15-yr Fixed
6.000 0.000
6.156 30

5/1 ARM Jumbo
5.875 0.000
6.933 30

30-yr Fxd Jumbo
6.625 0.000
6.663 30

10/1 ARM Jumbo
6.250 0.000
6.796 30

FHA/VA 30-yr Fxd
6.375 0.000
6.470 30

Registered Broker NY State Banking Department
We arrange loans with third parties.
Lic. Lender NJ Dept of Banking Members of the BBB
MICHAEL A. GRAZIANO, PRESIDENT
275 Rt. 22 East, Springfield, NJ
Fees=click here

Atlantic Financial Services
800-733-4112

Updated:07/02/08

30-yr Fixed
6.250 0.000
6.359 30

15-yr Fixed
5.750 0.000
5.967 30

3/1 ARM Jumbo
5.500 0.000
5.571 90

30-yr Fxd Jumbo
6.500 0.000
6.582 90

FREE Application, Appraisal, Credit Report & Lock!
Open Sat & Sun 10-2 Weekends call 877-261-6527
1295 Roosevelt Ave.,Carteret, NJ
Fees=click here

First US Mortgage
800-722-5081

Updated:07/02/08

15-yr Fixed
5.750 0.000
5.905 30

30-yr Fixed
6.250 0.000
6.344 30

30-yr Fxd Jumbo
6.500 0.000
6.537 30

100% LTV 30-yr Fxd
6.250 0.000
6.740 30

FHA 30-yr Fxd
6.250 0.000
6.344 30

Slow credit behind on payments. Call we can help.
No-Income Loans- Commericial Loans
FHA -100 % Loan -No Money Down
NO-COST PROGRAMS
www.firstusmortgage.com 24/7
WE HELP ALL OUR CLIENTS -NO CLOSING COST PROGRAMS
Pavilions @ Greentree, Marlton, NJ
Fees=click here

Countryside
215-412-9300

Updated:07/01/08

30-yr Fixed
6.250 0.000
6.282 30

15-yr Fixed
5.875 0.000
5.921 30

7/1 ARM Jumbo
6.000 0.000
6.011 30

5/1 ARM Jmb/Conf
5.875 0.000
5.816 30

Guaranteed Real Rates & No Hidden Fees!

2 Cowpath Rd., Lansdale, PA
Fees=click here

First Advantage Mortgage Services, LLC
800-410-5656

Updated:07/01/08

30-yr Fixed
6.250 0.000
6.291 30

5/1 ARM
5.500 0.000
5.525 30

15-yr Fixed
6.000 0.000
6.051 30

30-yr Fxd Jumbo
6.500 0.000
6.535 30

10/1 ARM Jumbo
6.125 0.000
5.775 30

No Income Verification Loans
Fixed and Adjustable Interest Only Loans
Mention this ad receive $100.00 rebate @ closing
No cost refinance available
Reverse Mortgages Available
Credit scores as low as 580
76 Park Avenue, Flemington, NJ
Fees=click here

PNC Mortgage, LLC
856-464-1394

Updated:06/30/08

100% FINANCING
6.010* 0.000
6.010 60

No $ Dwn 30-yr Fxd
6.010* 0.000
6.010 60

TEACHER SPECIAL
6.010* 0.000
6.010 60

*WE Give You $1,000.00 for downpayment or closing
*NO MORTGAGE INSURANCE
*INCOME LIMITATIONS By County
*Credit score limitations / CRA loan
312 W. Route38, Moorestown, NJ
Fees=click here

Carnegie Mortgage
856-853-0808

Updated:06/30/08

100% Financing to qualified buyers
First Time Homebuyer Programs
Challenged Credit Programs
Refinance your current mortgage
CALL TODAY AND SPEAK TO ONE OF OUR KNOWLEDGEABLE
STAFF MEMBERS FOR YOUR PERSONAL FINANCIAL
CONSULTATION.
831 Kings Hwy., Woodbury, NJ
Fees=click here

Worldwide Financial Resources
888-640-4937

Updated:06/25/08

30-yr Fixed
6.375 0.000
6.474 30

30-yr Fxd Jumbo
6.500 0.000
6.553 90

15-yr Fixed
5.750 0.000
5.911 90

15-yr Fxd Jumbo
6.000 0.000
6.087 90

5/1 ARM
5.625 0.000
7.260 90

5/1 ARM Jumbo
5.625 0.000
7.219 90

FREE Appraisal, Credit Report, Lock & Float Down!

50 Route 9 North, Morganville, NJ
Fees=click here

Rates based on $175,000 first mortgage loan for single family home. Jumbo rates (loans that exceed $417,000) or jumbo-conforming rates (loans between $417,001 to $729,750 depending on location) based on $450,000 loan. All rates are believed to be accurate but cannot be guaranteed and are subject to change without notice. Minimum downpayment requirements and other restrictions may apply. Due to recent federal legislation, rates and guidelines for some loans in excess of $417,000 may differ from information posted in guide, depending on amount and location. Rates for other loan amounts may also be different than those shown in guide based on factors such as loan-to-value ratios and credit scores. Please check with a selected lender to see how these recent changes may affect you and for all other details. Closing costs may vary. Companies pay a fee to advertise in this Guide. Pts=points, which include origination and discount fees. APR=annual percentage rate and is calculated by each company - includes costs to obtain loan and private mortgage insurance if required. Lock=rate lock period. ARM=adjustable rate mortgage. Fees are estimated costs which may vary from loan to loan. These are not inclusive of all closing costs and do not include points, prepaid interest, title insurance or escrow items. Contact each company for more details. Companies in this guide are Equal Housing Opportunity Lenders.

Mortgage Guide main page

Information provided by INFOTRAK National Data Services

15:16:08