Your Town Mortgage

YOUR TOWN MORTGAGE

Your partner in Real Estate

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Friday, January 27, 2012

For Refinance loans

30 Year Fixed:

*3.750%- No Points

APR 3.196%

15 Year Fixed:

*3.250%- No Points

APR 3.543%

Posted rates assume single family owner occupied refinance of $180,000 dollars

30 day rate lock

740 credit score

Taxes & insurance are escrowed and no cash out over 60% LTV

Thinking of Purchasing or Refinancing?

Here's how to get ready;

Submit your application online.

I will email an Authorization form to pull credit.

Fax your most recent W2 and pay stub or 2 years federal tax returns if self-employed to my Efax at 978-965-8604.

I will verify income, assets and credit then submit the application to Fannie Mae's Automated Underwriting for results.

In seconds I'll have an answer for you!

It's that easy!

Lower Mortgage Rates
Mortgage rates are still at historic low's today...

Your Town Mortgage is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools that enable you to make sound financial choices.

Click the Mortgage products page above for today's low rates!

Lender's Purchase Special!

.125% Purchase incentive on all Conforming Fixed & FHA Fixed with 720 FICO score. Call Dennis for new purchase pricing!

We don't charge; Application, Document Preparation, Processing or Credit Report fees.

*Most rates now include closing cost credits paid by our Lenders! Rates subject to change by 4 PM daily and expire at 6:30 PM EST.

My lower rates save you more money every month. Why pay more interest to your banker? Don't they nickel and dime you enough now? Check the local competition at the bottom of our products page and compare my pricing. Then call Dennis at 1- 978-258-3791 now or apply online before rates increase!

Click this link below for the county or state high cost loan amounts. Select FHA forward or Fannie/Freddie.

https://entp.hud.gov/idapp/html/hicost1.cfm

Learn More

Serving Massachusetts Homeowners under;

Massachusetts Mortgage Broker License: MB1050

Mortgage Originator License: MLO10032

Click this link below to verify my license! http://www.nmlsconsumeraccess.org/Home.aspx/MainSearch

What we can assist you with.
Main Services.

Purchase or Refinance Residential and Commercial Real Estate.
Find the right mortgage program.
Deliver the lowest interest rates.
Answer all your questions.
Return your phone calls.
Pre-Qualify you.

What can you expect from us?

Additional Services.

Secure Document Transfer.

Pre-Qualified Certificate.

Explanations of Mortgage Programs and Guidelines.

Advice on which programs are right for you.

Advice on managing your credit profile.

Advice on closing costs, points and inspections.

Free review of your Purchase and Sale Agreement.

All e-mail and phone calls returned quickly.

Personal service at home or work by appointment.

Review of your HUD-1 closing statement prior to closing.

Attend your closing with you.
Contact Your Town Mortgage to find out more about the products and services we can provide.

We arrange but do not make loans. Call Dennis at 978-258-3791.

Call Dennis 7 days a week at 978-258-3791 to get Pre-Qualified on your new purchase!

Or apply online!

Your Town Mortgage works with lenders through their wholesale divisions. Their Processing and Underwriting staff are eager to close your loan on time. I work closely with my clients and the lenders staff to provide you with personal service. You are not just a loan number to me. I will do my best to get your purchase or refinance closed on time! Call or email me today so we can discuss your purchase or refinance!

Dennis Casamasina

How much is your home worth today?

Click this link below for an estimate!

http://www.eppraisal.com