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Matt J

SWGB

I'm curious why you would opt for a APR that is higher and basically guaranteed to go up over a lower (and from my understand) all time low?  :idontno:

I&#039;m curious why you would opt for a APR that is higher and basically guaranteed to go up over a lower (and from my understand) all time low?  :idontno:

tmansell

Beach Comber

The 4.25% is a Fixed rate and will never increase over the life of the loan. The APR is the total effective rate including all of the lender fees.
 
It's a great time to purchase a home! These rates and today's housing prices has definitely made it a "buyers market". Let me know if you plan to purchase and need to be pre-qualified.
 
If you are considering a refinance, give me a call and I would be happy to see if it would be a benefit for you to refinance from your current interest rate.
 
FYI - I also have a 100% program offered with USDA backing at 4.5% (4.981% APR). What a deal! Get a home in Walton County at today's prices and pay $Down. This program is reserved for moderate to low income, but in Walton County a family of 4 can earn up to $70,750 and still qualify.

The 4.25% is a Fixed rate and will never increase over the life of the loan. The APR is the total effective rate including all of the lender fees. 
 
It&#039;s a great time to purchase a home! These rates and today&#039;s housing prices has definitely made it a &quot;buyers market&quot;. Let me know if you plan to purchase and need to be pre-qualified. 
 
If you are considering a refinance, give me a call and I would be happy to see if it would be a benefit for you to refinance from your current interest rate. 
 
FYI - I also have a 100% program offered with USDA backing at 4.5% (4.981% APR). What a deal! Get a home in Walton County at today&#039;s prices and pay $Down. This program is reserved for moderate to low income, but in Walton County a family of 4 can earn up to $70,750 and still qualify.

SHELLY

SoWal Insider

:blink:....So, now is a great time to buy????


.

:blink:....So, now is a great time to buy???? 
 
 
.

Mango

[quote="tmansell, post: 519412"]The 4.25% is a Fixed rate and will never increase over the life of the loan. [B]The APR is the total effective rate including all of the lender fees.[/B]
 
It's a great time to purchase a home! These rates and today's housing prices has definitely made it a "buyers market". Let me know if you plan to purchase and need to be pre-qualified.
 
If you are considering a refinance, give me a call and I would be happy to see if it would be a benefit for you to refinance from your current interest rate.
 
FYI - I also have a 100% program offered with USDA backing at 4.5% (4.981% APR). What a deal! Get a home in Walton County at today's prices and pay $Down. This program is reserved for moderate to low income, but in Walton County a family of 4 can earn up to $70,750 and still qualify.[/quote]

Please post the Lender Fees!!! At an APR of 4.65%  from a rate of 4.25%, that is a [B]helluva fee or includes an origination fee which is similar to paying points. :blink:[/B]
Also, according to the Truth in lending Laws, you must post the name of your Company, whether you are a Banker or Broker, and what States you are licensed to do business in. You must also add that rates are subject to change.

<blockquote class="xfBb-quote" data-name="tmansell">The 4.25% is a Fixed rate and will never increase over the life of the loan. The APR is the total effective rate including all of the lender fees. 
 
It&#039;s a great time to purchase a home! These rates and today&#039;s housing prices has definitely made it a &quot;buyers market&quot;. Let me know if you plan to purchase and need to be pre-qualified. 
 
If you are considering a refinance, give me a call and I would be happy to see if it would be a benefit for you to refinance from your current interest rate. 
 
FYI - I also have a 100% program offered with USDA backing at 4.5% (4.981% APR). What a deal! Get a home in Walton County at today&#039;s prices and pay $Down. This program is reserved for moderate to low income, but in Walton County a family of 4 can earn up to $70,750 and still qualify.</blockquote> 
Please post the Lender Fees!!! At an APR of 4.65% from a rate of 4.25%, that is a helluva fee or includes an origination fee which is similar to paying points. :blink: 
Also, according to the Truth in lending Laws, you must post the name of your Company, whether you are a Banker or Broker, and what States you are licensed to do business in. You must also add that rates are subject to change.

ClintClint

Beach Fanatic

Good Luck Mango---finally we see eye to eye.
The last time I took a lender to task here, my post was deleted.

Good Luck Mango---finally we see eye to eye. 
The last time I took a lender to task here, my post was deleted.

[quote="tmansell, post: 519412"]The 4.25% is a Fixed rate and will never increase over the life of the loan. The APR is the total effective rate including all of the lender fees.
 
It's a great time to purchase a home! These rates and today's housing prices has definitely made it a "buyers market". Let me know if you plan to purchase and need to be pre-qualified.
 
If you are considering a refinance, give me a call and I would be happy to see if it would be a benefit for you to refinance from your current interest rate.
 
FYI - I also have a 100% program offered with USDA backing at 4.5% (4.981% APR). What a deal! Get a home in Walton County at today's prices and pay $Down. This program is reserved for moderate to low income, but in Walton County a family of 4 can earn up to $70,750 and still qualify.[/quote]

I read the OP completely wrong.  I saw adjustable rate not APR.

<blockquote class="xfBb-quote" data-name="tmansell">The 4.25% is a Fixed rate and will never increase over the life of the loan. The APR is the total effective rate including all of the lender fees. 
 
It&#039;s a great time to purchase a home! These rates and today&#039;s housing prices has definitely made it a &quot;buyers market&quot;. Let me know if you plan to purchase and need to be pre-qualified. 
 
If you are considering a refinance, give me a call and I would be happy to see if it would be a benefit for you to refinance from your current interest rate. 
 
FYI - I also have a 100% program offered with USDA backing at 4.5% (4.981% APR). What a deal! Get a home in Walton County at today&#039;s prices and pay $Down. This program is reserved for moderate to low income, but in Walton County a family of 4 can earn up to $70,750 and still qualify.</blockquote> 
I read the OP completely wrong. I saw adjustable rate not APR.

*Today's 30yr Fixed Rate is as low as 4.25% (4.65% APR) for the following scenario:
- Primary Residence
- 80% Loan-To-Value
- $240,000 loan amount
- Rate/Term Refinance
- Verifiable income, assets and employment
- 700 credit score
 
Call today 850-687-7055 to refinance your home loan or run your own scenario with your specific loan requirements and apply online at [URL="http://www.teresamansell.com"]www.teresamansell.com[/URL]

*Today&#039;s 30yr Fixed Rate is as low as 4.25% (4.65% APR) for the following scenario: 
- Primary Residence 
- 80% Loan-To-Value 
- $240,000 loan amount 
- Rate/Term Refinance 
- Verifiable income, assets and employment 
- 700 credit score 
 
Call today 850-687-7055 to refinance your home loan or run your own scenario with your specific loan requirements and apply online at <a href="http://www.teresamansell.com" target="_blank" class="link link--external" rel="nofollow ugc noopener">www.teresamansell.com</a>

Refi - 30yr Fixed Rate as low as 4.25% *

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Refi - 30yr Fixed Rate as low as 4.25% *

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