Friday, August 8, 2008
Current Mortgage Rates

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

LOAN TYPE
RATE/PTS*
APR/LOCK

LOAN TYPE
RATE/PTS*
APR/LOCK


COMMENTS

Houghton Financial Corp.
408-978-9300

Updated:08/08/08

30-yr Fixed
6.3750.000
6.47030

5/1 Libor Jmb/Cnf
6.2500.375
5.83330

30-yr Jmb/Conf
6.3750.500
6.46030




 Local. Free Pre-qual by phone
Equity Line of Credit / 2nds.
New Conforming Loan Limits.
To $729,5000, For A Limited Time
Start Your Application Now !!!
*0.000 Indicates Lender Rebate*
3150 Almaden Expressway Ste 205, San Jose, CA
Fees=click here
License No. DRE# 01151873

Wells Fargo Home Mtge.
866-806-6689

Updated:08/07/08

30-yr Fxd Jumbo
call

5/1 RARM Jumbo
call

10/1 RARM Jumbo
call




 Call for Low Daily Quotes!!!
Call: 866-806-6689 for more details!
GUARANTEE CLOSE - OR WE'LL PAY 1 ST. MO.
PAYMENT ! - PURCHASE ONLY
NEW ! HIGHER CONFORMING LIMITS !
FHA Financing with New Limits !
581 University Ave, Palo Alto, CA
Fees=click here
License No. -

Downey Savings & Loan
888-853-8558

Updated:08/07/08

30-yr Fixed
6.5001.625
6.70945

30-yr Fxd Jmb/Conf
6.6251.750
6.81745


30 Yr No NEG ARM
5.6251.125
5.27745

3 Yr Fixed to ARM
5.6251.625
5.72845

5 Yr Fixed to Arm
5.8751.875
5.86845

3501 Jamboree Rd.Ste.2000, Newport Beach, CA
Fees=click here
License No. -

BayCal Financial Corp. - Milpitas
408-507-5195

Updated:08/07/08

30-yr Fixed
6.3751.00
6.56530

5/1 ARM
5.7501.00
5.93330

30-yr Fxd Jmb/Conf
6.5001.00
6.63330

15-yr Fxd Jmb/Conf
6.2501.00
6.38130

5/1 ARM Jmb/Conf
6.1251.00
6.25530

5/1 ARM Jmb/Con/IO
6.2501.00
6.38130

 20% - 1 MILLION Purchase & Refinance
No Point & No Closing Cost Are Available
Free- pre-approval on phone extended
rate locked to 180 days for new cont
80% - cash out loan , I/O is available
purchase loan 15% down no pmi
1900 McCarthy Blvd., #301, Milpitas, CA
Fees=click here
License No. DRE# 01116696

Citibank Lending
650-740-1029

Updated:08/07/08

30-yr Fixed
6.5000.00
6.61730

5/1 ARM
5.6251.00
5.79430

30-yr Fxd Jmb/Conf
6.50%0..00
6.61730

5/1 ARM Jmb/Conf
6.00%1.00
6.49530

5/1 ARM Jumbo
6.8751.00
6.31430


 $500 credit for opening a Citigold acct
NO Point/ No Fee Loans avail
Direct Lender/Bank
250 University Ave., Palo Alto, CA
Fees=click here
License No. -

Los Gatos Lending Connection
888 775-1250

Updated:08/07/08

30 yr fx jmbo/conf
6.2501.853
6.47030

30-yr Fixed
6.2501.677
6.52430

20-yr Fixed
6.2501.2
6.55030

15-yr Fixed
5.8751.100
6.21030

5/1 Jmb/Conf I/O
5.8751.750
5.82730

5/1 ARM Jmb/Conf
5.7501.602
5.80430

 First time home-buyers--Call
Apply online for online discount
www.losgatoslending.com 4 updated rates
32 years Real Estate & Mortgage lending
550 Main St., Suite J2, Placerville, CA
Fees=click here
License No. DRE# 01220999

S&L Home Loans
800-694-6922

Updated:08/05/08

30-yr Fixed
6.250*
6.38830

30-yr Fxd Jmb/Conf
6.375*
6.48730

5/1 ARM Jmb/Conf
5.875*
5.73130




 APPLY ONLINE 24/7/365!
SANDLHOMELOANS.COM
$0 TO $729K / CHECK OUT THE 5/1!
*1 ORIGINATION PT. IS BEING PAID BY THE
BORROWER.
1530 Meridian Ave, Suite 200, San Jose, CA
Fees=click here
License No. DRE# 829717

Coast Capital Mortgage
800-675-7444

Updated:08/05/08

30-yr Fixed
6.2501.751
6.50930

10/1 ARM
6.5001.544
6.74330

7/1 ARM
6.0001.750
6.25530

5/1 ARM
5.6252.00
5.89930

5/1 ARM Jmb/Conf
5.7501.50
5.92430

7/1 ARM Jumbo
6.0002.00
6.22430

 Call today for your free loan analysis.
Our expert loan officers are here to
help you. We look forward to talking
with you.
7/1 Jumbo ARM is Jumbo Conforming $450k
824 San Antonio Rd., Palo Alto, CA
Fees=click here
License No. DRE# 00293501

Plaza Loans
(800)816-LOAN (5626)

Updated:08/05/08

5/1 ARM
5.7501.00
5.78830

7/1 ARM
6.0001.000
6.03330

15-yr Fixed
5.8751.000
6.17830

30-yr Fixed
6.3751.000
6.56130

5/1 ARM Jumbo
5.8751.000
5.93930

7/1 ARM Jumbo
6.1251.000
6.08030

 Plaza Loans - FHA Approved in San Jose
Loan Specialists are available 7 days.
1(800)816-LOAN (5626) or apply online
www.plazaloans.com
1155 Meridian Ave., #100, San Jose, CA
Fees=click here
License No. DOC# 4150064

US Mortgage Center
800-867-9813

Updated:08/05/08

30-yr Fixed
6.3750
6.64630

15-yr Fixed
6.0000
6.44330

30-yr Fxd Jmb/Conf
6.5000
7.72330

FHA 30-yr Fxd
6.3750
6.64630



 usmortgagecenter.com FHA to $729,750
Reverse Mortgages Available At Age 60!!!
1241 E. Shaw Ave., Fresno, CA
Fees=click here
License No. Doc# 607-1204

Mortgage Loan Specialists, Inc.
877-246-9420

Updated:08/05/08

30-yr Fixed
6.375*0.00
6.41130

5/1 ARM To 1M**
5.8750.00
6.10130

30-yr Fxd Jmb/Conf
6.500*0.000
6.57230

15yr Fixed
6.0000.000
6.07130

15yr Fxd to 1Mil**
6.2500.000
6.33430

30-yr Fixed***
6.2500.25
6.36130

 Open Weekends *0.25% Broker Fee
**70%Appraised LTV,1 yr pre pay, 0.50%
Broker Fee *** 0.50% Broker Fee
514 Via De La Valle, Ste 202, Solana Beach, CA
Fees=click here
License No. DRE# 01183960

Catapult Mortgage, Inc.
800-371-7001

Updated:08/05/08



30 YR FIXED CONF*
6.3750.000
6.44630

30 YR FX JMB-CNF*
6.5000.000
6.55830

5/1 ARM JUMBO***
5.7500.375
5.83530

3/1 ARM JUMBO***
5.6250.375
6.02530

 *<=60% LTV

***1 YR PREPAY, PURCHASE ONLY
CALL US NOW AT (408) 358 - 6861
WE ARE AVAILABLE ON WEEKENDS!!
15951 Los Gatos Blvd., #1, Los Gatos, CA
Fees=click here
License No. DRE# 01417798

Bank of America Mortgage
800-916-6723

Updated:08/06/08

30-yr Fxd Jmb/Conf
call
call






 JUMBO loans up to 1.5 million - CALL NOW
24 hours approval & 7-10 days closing
FHA loans up to 97% financing
CONFORMING loan limit up to 729,000
also on 5/1 INTEREST ONLY ARM
1010 El Camino Real, Ste 360, Menlo Park, CA
Fees=click here
License No. -

Bankers Network Corp.
408-879-9000

Updated:08/05/08

15-yr Fixed
call

30-yr Fixed
call

40-yr Fixed
call




 WE DON'T WASTE YOUR TIME: WE DO PROVIDE
AWESOME RATES & SERVICE WITH NO POINTS!
***CALL JERZY ANYTIME @ 408-806-7320***
1875 S. Bascom Ave., Campbell, CA
Fees=click here
License No. DRE# 01243578

AAXA Discount Mortgage
877-728-3569

Updated:08/04/08

30-yr Fixed
6.500*0.000
6.54530

30-yr Fixed
6.250*1.000
6.39230

30-yr Fixed
6.000*2.000
6.25930

15-yr Fixed
6.125*0.000
6.23930

15-yr Fixed
5.875*1.000
6.14530

10-yr Fixed
6.125*0.000
6.28730

 *Special rates for Mtg Guide Customers
Call 877.RATE.LOW www.ForTheBestRate.com
We Give You Credit For Your Good Credit
No Application Fees
6322 Oleander Dr., Wilmington, NC
Fees=click here
License No. DOC# 603B183
*Disc Pts = discount points which are fees paid to buy down the interest rate. Other closing costs may apply and vary from loan to loan. All brokers earn compensation for their services by either collecting origination fees from the borrower at closing or by a lender paid rebate in return for a higher interest rate, or a combination of the two. Contact each company for details. 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. DOC# = licensed by Dept. of Corporations DRE# = licensed by CA Dept. of Real Estate, Real Estate Broker

 

13:31:08