Mortgage lenders that quote you mortgage pricing without asking your situation and what you're hoping to accomplish are quoting you a price that might not be available to you; in fact, they might be quoting unavailable mortgage pricing just to get your business!

There are over 50 factors, when combined, determine the interest rate you'll receive. The following are just a few factors taken into account to determine your interest rate:

• Loan Program Type (Fixed, Adjustable, Balloon etc.)
• Credit Scores
• Transaction Type (Purchase, Refinance, Equity Refinance, Debt Consolidation etc.)
• Loan Amount
• Purchase Price/Property Value
• Loan-to-Value and Combined Loan-to-Value Ratios
• Documentation Type (Full, Stated Income, No Income Verification, No Doc etc.)
• Property Type
• Impounds for Taxes and Insurance, or not.

Mortgage pricing changes on a daily basis; sometime 2-3 times daily! For the most complete and up-to-date mortgage pricing available, and to determine your qualifications, simply complete and submit the form below, and I will contact you personally with a customized quote.