YOUR TOWN MORTGAGE
Your partner in Real Estate

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*8:47:04 AM

Friday, May 18, 2012

*For Refinance

30 Year Fixed Rate:

*3.625%- No Points APR 3.790% Includes single family purchase 5-25% down  

15 Year Fixed Rate:

*3.000%- No Points APR 3.187%

Posted rates assume Single Family owner occupied refinance  $180,000.00 dollars

30 day rate lock

740 credit score

Taxes & insurance are escrowed and no cash out over 60% of the Loan to Value for Refinance

Call Dennis for pricing on other programs.

Thinking of a Purchase or Refinance?

Here's how to get ready;

Submit a complete application online.

Fax your 2012 W2 Form and pay stub or 2 years federal tax returns if self-employed to my Efax at 978-965-8604.

I will email an Authorization form to pull credit.

I will verify income, assets and credit then submit your application to Fannie Mae's Automated Underwriting System for results.

In seconds I'll have an answer for you!

It's that easy!
 

Your Town Mortgage is committed to helping you find the right mortgage product with the best rates and lowest closing costs.  We understand that every borrower is different, and we offer a variety of products from several lenders to meet your individual requirements.  We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools that enable you to make sound financial choices.

Click the Mortgage products page above for all of today's low rates!

Lender's Purchase credit!

.125% Purchase Incentive on all Conforming Fixed & FHA fixed rates with 740 middle FICO score. Purchase Incentive credit of .125% does not apply to rates posted today. Credit applies towards cumulative lender credits based on daily pricing. Credit amounts subject to change daily until a rate is locked. Call Dennis for new purchase pricing!

We don't charge; Application, Document Preparation, Processing or Credit Report fees.

*Rates and credits subject to change by 4 PM daily. Most rates have lender paid credits towards closing costs. Call Dennis for current pricing. 

My lower rates will save you more money every month. Why pay more interest to your banker? Don't they nickel and dime you enough now? Check the local competition at the bottom of our products page and compare my pricing. Then call Dennis at 1- 978-258-3791 today or apply online before rates increase!

Don't become complacent and think these record low rates will last forever. Take care of your business now. Rates will increase at some point!

Here are what some of my customers are doing now!

  • Paying off student loans with cash out.
  • Reducing the terms and Interest rates on their current mortgage.
  • Paying off credit card debt.
  • Pulling cash out for second homes.
  • Pulling cash out for home improvements.
  • Removing Mortgage Insurance.
  • Purchasing a new home.
  • Investing in bargain properties for rental income.

Email me at. dcasamasina@verizon.net or Dennis@YourTownMortgage.com

Click this link below for the county or state high cost loan amounts. Select FHA forward or Fannie/Freddie. These new loan amounts are called Conforming/Jumbo loans and the Interest Rates are much lower than normal Jumbo loan programs.

https://entp.hud.gov/idapp/html/hicost1.cfm

                     

Learn More

Serving Massachusetts Homeowners under;

  • Massachusetts Mortgage Broker License: MB1050 
  • Mortgage Originator License: MLO10032

Click this link below to verify my license! http://www.nmlsconsumeraccess.org/Home.aspx/MainSearch 

What we can assist you with.
Main Services.

  •   Purchase or Refinance Residential and Commercial Real Estate.
  •   Find the right mortgage program.
  •   Deliver the lowest interest rates.
  •   Answer all your questions. 
  •   Return your phone calls.
  •   Pre-Qualify you.

 

What can you expect from us?

Additional Services.

 

  •   Secure Document Transfer. 
  •   Pre-Qualified Certificate.
  •   Explanations of Mortgage Programs and Guidelines.
  •   Advice on which programs are right for you. 
  •   Advice on managing your credit profile.
  •   Advice on closing costs, points and inspections. 
  •   Free review of your Purchase and Sale Agreement.  
  •  All e-mail and phone calls returned quickly.
  •   Personal service at home or work by appointment.
  •   Review of your HUD-1 closing statement prior to closing.
  •  Attend your closing within a reasonable travel distance.

    Contact Your Town Mortgage to find out more about the products and services we can provide.

We arrange but do not make loans. Call Dennis at 978-258-3791.

 




DENNIS J. CASAMASINA d/b/a YOUR TOWN MORTGAGE

Ph: 978-258-3791
Licensed Massachusetts Mortgage Broker and Mortgage Originator.
Privacy Policy
 

 

Call Dennis 7 days a week at 978-258-3791 to get Pre-Qualified on your new purchase!

Or apply online!

Your Town Mortgage works with lenders through their wholesale divisions. I work closely with my customer, the Lenders staff, the Attorney, the Appraisal Company and the Realtor to provide you with a timely closing. You are not just a loan number to me. 

Call or email me today so we can discuss your next Purchase or Refinance!

Dennis J. Casamasina

North Andover, MA

 

How much is your home worth today?

Click this link below for an estimate!

http://www.eppraisal.com