FHA Changes coming in 2013…

FHA loans are about to get more expensive. Effective 4/1/2013 Mortgage Insurance Premiums are going to get more expensive on FHA loans. Call today if you want to lock in current less expensive options.

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Calling all Mizzou fans that are buying or Refinancing a home in 2013!

For the 2013 calendar year I am donating $150 to the TSF for any client that closes a loan in 2013 and asks me to donate on their behalf.  Please ask for more details.  You can reach me at 314.835.1005 x 16 or mscott@fandbfin.com

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Mortgage rates and housing market…

The housing market is heating up…based on the volume of Pre Approvals this looks to be a banner year for homes priced correctly and  updated. They are selling fast!  As for mortgage rates, they are still  low but off the lows of the fall/early winter.  The trend will be for rates to rise until there is reason to slow the equity market which could help rates.  With so much uncertainty, I would lock in any refinance loans now and lock your purchase loans as soon as possible.  Call me today at 314.835.1005 x16 to act.

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Mortgage rates continue to be low.  Current 30 Year Fixed rate is in low/mid 3s.  Send me a message if you’d like to find out how you can refinance for $0 cost.  I help clients with this every day.

The current market trend is for rates to hold steady but very likely they increase in the next few weeks, especially if we avoid the fiscal cliff.

Please let me know if you or someone you know is looking to refinance or is looking to buy a home.  My referral business has grown by over 50% this year and as small business I rely heavily on my referral partners, friends and past clients to continue to grow.  Visit me on Facebook by becoming a fan!

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Current mortgage rates…

It’s been an unbelieveable year (or last few years ) for mortgage rates.  I have been able to help many clients buy and refinance their homes using the lowest rates available.  It has been a record year of new clients for me and I am greatful for my referral partners and referrals from my past clients.  I understand that I must give incredible service and offer very competitive rates and programs.  Current mortgage rates can vary depending on the profile of loan applications but are generally at 3.25% for a new purchase/ 30Year Fixed clients and at 2.625% for purchase / 15 Year Fixed.  Please call for your exact quote.  If you are considering a refinance you might want to do it soon.  There are a lot of unknowns with the pending fiscall cliff and if inflation becomes a problem in 2013 both could lead to higher, possibly, much higher rates.  I would not wait to lock in.  Call today and take advantage of one of our loan options.  You can reach me at 314.835.1005, ext 16.

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