Mike’s Real Estate Show

Rates as of 1/12/07

Provided by Investor’s Trust Mortgage

Alicia Hodenfield

This week as bonds traded lower, rates went a bit higher. I will be watching what happens next week.

conforming Fully Amortized Interest Only
30 year fixed 6.25 6.5
3/1 ARM * 6.375 6.625
5/1 ARM * 6.25 6.5
7/1 ARM * 6.375 6.625
10/1 ARM                                  6.375            6.625
jumbo up to $650,000; add .25 point for loans up to 30 year fixed                            6.375           6.625
3/1 ARM 6.375 6.5
5/1 ARM 6.5 6.625
7/1 ARM 10/1 ARM 6.75 6.75 6.88% 6.88%
1st 2nd
100% financing 6.5 10.625
(based on conforming limits for the 1st, up to 80% LTV for 1st and 100% CLTV)
Here’s the fine print:
Rates assume impound account set up and except for 100% financing
assumes loan to value no more than 80% and funds to be used for purchase
Cash out refinances may incur higher rates.
Rates also quoted as a 30 day lock.
Subject to qualifying borrowers and properties - assumes full doc loans
Rates are as of 1/12/07 and are subject to change
Rates quoted are with out points. Borrower may buy down rate
Each application to be evaluated on an individual basis. There may be better
suited programs for an individual that may offer better rates.
Direct line (707) 284-2718 

Cell (707) 483-6299 

Fax (707) 573-8109