Your Town Mortgage- Privacy Policy

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11:41:48 AM

Wednesday, January 07, 2009

30 Year Fixed:

5.000% - No Points or Origination fees.

APR 5.178%

15 Year Fixed:

4.750% No Points or Origination fees.

APR 5.056%

See our products page for today's rates!

Note: Posted rates assume a 12 day rate lock, 720 middle credit score and minimum loan amount of $180,000.00 dollars.

Extended rate locks available up to 180 days.

Today's rates expire from 9 PM-11 PM EST M-F daily depending on the lender selected.

Rates subject to change through 4 PM daily.

Are you thinking of a Purchase or Refinance and want to lock your rate now? Here's how to get ready;

Submit your application online and fax your Borrower Authorization form.

Fax your most recent W2 form and pay stub or 2 years Federal tax returns if self-employed.

We will verify your income, upload your credit report to your application and submit your mortgage through the Fannie Mae Automated Underwriting System. In seconds we'll have an answer for you. It's that easy!

If you like, you can lock in our low rates for 21 days TODAY!

New changes are in effect for credit scores, cash out and loan to value's for new Purchases and Refinancing on 1-4 unit properties.

Call to find out how these new changes affect you.

1. We collect nonpublic personal information about you from the following sources:

- Information we receive from you on applications or other forms;

- Information about your transactions with us, our affiliates, or others; and

- Information we receive from a consumer reporting agency.

2. We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law.

3. We may share all the information that we collect, as described above, with our affiliates. By sharing this information, we can better serve your financial needs. If you do not wish for us to share this information with our affiliates you may contact us.

4. We may disclose the following information to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements:

- Information we receive from you on applications or other forms, such as your name, address, social security number, assets, and income;

- Information about your transactions with us, our affiliates, or others, such as your account balance, payment history, and parties to transactions;

- Information we receive from a consumer reporting agency, such as your creditworthiness and credit history.

5. We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations in order to guard your nonpublic personal information.