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Friday, July 30, 2010
30 Year Fixed:
4.375% - No Points
Annual Percentage Rate 4.547%
15 Year Fixed:
3.875% - No Points
Annual Percentage Rate 4.173%
See our products page above for today's rates!
Note: Posted rate assumptions;
Single family owner occupied purchase of $225,000 dollars.
20% down payment of $45,000.00 dollars.
30 day rate lock
740 credit score
$180,000.00 dollar minimum loan
Taxes & insurance are escrowed
Extended rate locks available up to 180 days.
Rates subject to change by 4 PM daily.
Thinking of Purchasing or Refinancing?
Here's how to get ready;
Submit your application online.
We will email our Authorization form to pull credit.
Fax or email your most recent W2, pay stub or 2 years federal tax returns if self-employed.
We will verify your income, assets and credit scores then submit your application to Fannie Mae's Automated Underwriting System for results.
In seconds we'll have an answer for you!
It's that easy!
New changes are in effect for credit scores, cash out and loan to value's on new Purchases and Refinance for 1-4 unit properties.
Call to find out how these new changes affect you. |
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Dennis J. Casamasina of Your Town Mortgage has been financing all types of Real Estate in Massachusetts for over 12 years. Today over 95% of our business comes from referrals. We asked some of our clients to express in their own words how they felt about us and here is what they said;
I met Dennis Casamasina at a Citizen’s Housing and Planning Association (CHAPA) program, “First Time Homeowner’s Workshop”, to aid consumers in purchasing affordable housing. My dream was to own my own home when I reached age 55 in order to aid in securing my financial goals for retirement. Speakers were there every night to educate and counsel prospective home buyers and aid them in making informed decisions regarding the home buying process. Dennis’ presentation was so easy to follow and gave great ideas for creative finance. All the forms were included which made it very convenient to start the application process. After participating in five lotteries, I won a chance to purchase a single-family home in Merrimac, Ma. I immediately contacted Dennis to start the process for approval. He was very enthusiastic and encouraged me all the way from May until I closed in October. He was always patient, courteous and ready to assist in any way possible. The closing with his company was very prompt and efficient. "Dennis' is one of the most respected professionals I have ever encountered".
Laura Gardner, Merrimac, MA
We first met Dennis at a new home buyers training that was run by the state. Both my wife and I were impressed with the way he presented the information, his wide range of knowledge in the area of home financing and his ability to answer questions with clarity. I made a point to keep his card when the program was finished. We did not call him until almost 2 years later, but it seemed we picked up right where we had left off. He even remembered our names which was very impressive. Dennis was a great help as we went through the pre-approval process. Having the pre-qualification in hand made it very easy as we did our home search. Once we found a property, Dennis did a great job in keeping us informed of what we needed to do and how things were progressing in general. Even though getting to the closing in our purchase was difficult because of issues with the seller, I never doubted it would happen. Dennis did a great job. Working the real estate agents, the bank attorney, the seller, and the seller’s attorney everything was finally completed. Now we are in our new home, thanks in no small part to Dennis’ efforts. My wife Nan & I would recommend Dennis to you without reservation!
Tom & Nan Caiazzo, Lowell, MA
"I have been working with Dennis since he taught at a first time home buyers class that I took. He is always quick to respond to my calls and very willing to spend as much time as I need to help me fully understand all the information I have questions about. Although I have not yet found a home in my price range I appreciate all the time and effort Dennis has given me. I have tried many different avenues to purchase a home and Dennis has been very helpful with the information I must supply to be successful".
Sarah Allain, Dracut, MA
I've known Dennis since our High School days 25+ years ago. Words can't express what a trusted and valued asset he has been since helping with my very first mortgage. He loves what he does and really knows what's going on in the mortgage and real estate businesses including the advantages and disadvantages of current and historic trends. More important, he's not trying to sell me anything. He works patiently with me to ascertain my goals and needs then helps me understand available options to meet them. Then he let's me decide. His advice has helped me increase my credit rating and secure better rates. That first time I went in to close on a mortgage one of the attorneys commented that it obviously wasn't my first mortgage - "most people aren't so relaxed signing all the papers". Looking across the room at Dennis reminded me of how fortunate I was to have such a knowledgeable and trustworthy friend for my mortgage broker.
Larry Reynolds, North Andover, MA
I would highly recommend Dennis Casamasina to assist you in obtaining a home loan.. From day one, his patience, knowledge and ability to educate regarding the lending process created reassurance as a consumer. During this turbulent economic time, it’s comforting to know that good work ethic, integrity, and customer services still exist, which exemplify his success.
Robin and Christa, Haverhill, MA July-2009
Contact me today for your home purchase or refinance!
Dennis J. Casamasina
Manager/Mortgage Originator
Massachusetts Mortgage Broker License: MB4972
Massachusetts Mortgage Originator License: MLO10032
Address & Driving Directions:
10 BEACON HILL BLVD., NORTH ANDOVER, MA 01845
Voice:
978-258-3791
Email:
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Call Dennis 7 days a week at;
P. 978-258-3791
Get Pre-Qualified on your new purchase!
Or Apply online!
We work 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 so we can discuss what works for you!
Dennis C.
How much is your home worth today?
Click this link below for an estimate!
http://www.eppraisal.com/home-values/massachusetts.mvc
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