Remember rates change every day and sometimes several times each day. :o)

For your specific rate quote: 877-685-6631 | lisamelby1@yahoo.com

1. To view the current weeks average rate as published by Freddie Mac go to: http://www.freddiemac.com/pmms/index.html?intcmp=CWS-HP
2. Scroll Down Click: Regional Breakdown

For the BEST rates on the market these are the general guidelines:
Rate/Term, NO Cash Out, WITH Impounds, Owner Occupied, SFR:

• Equal to or less than = 760 – 780 Middle FICO Score
• Equal to or less than =< 50 percent Debt to Income
• 2 Years Consecutive Employment in the SAME field
• Reserves after close of escrow, generally 2 months to 18 months of the monthly Principle, Interest Tax and Insurance payment, HOA if applicable

Remember the bond market is antithesis of what we would naturally expect, meaning when the bond market is trending down, in negative territory rates are up and when the bond market is trading in positive territory rates generally come down.

It has been my experience that rates go up much more quickly than they come down.

Lisa Melby
Firestone Financial Group
Licenses: DOI MT 742264 | CA 0843024 | DRE 01230770 | NMLS 298325
125 Cedar Commons Ln., Ste. A, Kalispell, MT 59901
4010 Moorpark Ave., #104, San Jose, CA 95117
o: (877) 685-6631
f: (408) 351-4277

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