Your Town Mortgage- Privacy Policy

YOUR TOWN MORTGAGE

Your partner in Real Estate

Home

Loan Center

Products

About Us

FAQ

Resources

Tuesday, March 09, 2010

30 Year Fixed:

4.875% - No Points

APR 5.052%

15 Year Fixed:

4.250% - No Points

APR 4.552%

See our products page above for today's rates!

Note: Posted rate assumptions;

Single family owner occupied purchase

20% down payment

25 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 then submit your application to Fannie Mae's Automated Underwriting System.

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.

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.