Today' Early Rates - Updated Daily
Hopefully Your Market has warmed up, too! We are available to you this weekend, and if you have prospective buyers coming in, let's get them Pre-Approved right now!
May 23, 2012 from Sierra Pacific NM
CONVENTIONAL LOANS - FIXED RATE
30 year - 3.875% + Credit of .113% - APR = 3.951%
15 year - 3.250% + Credit of .152% - APR = 3.383%
10 year - 3.125% + Credit of .118% - APR = 3.317%
GOVERNMENT LOANS – FIXED RATE
FHA - 30 year - 3.750% + Credit of 2.539% - APR = 3.826%
VA - 30 year - 3.750% + Credit of 2.289% - APR = 3.826%
Q? - What is that? "...+ CREDIT OF___%" all about? At Sierra Pacific NM, we give you the best rate, plus a credit to your borrower to reduce closing costs whenever possible. Call us with your loan amount for the exact credit amount available today.
A friend recently received good news at work, and told me he was promoted to director of product efficiency. When he got his new business cards, the acronym read DOPE.
Today's Yoga: ...who are you posing for...
A photographer gets people to pose for him. A yoga instructor gets people to pose for themselves.
Today's Sales Tip: ...customer-controlled sales...
Love is a funny word that is much misunderstood. Loving the customer doesn't mean hugs and kisses, but it does mean caring about them both before and after the sale.
When sales people truly care about the success of their customers, it shows all over their faces and all over their actions, too. A loving sales person will never dupe their customers and will always give them a fair deal. Note the emphasis on fair. That means the sales person gets something out of it too.
It's difficult not to trust someone who loves you. In fact it's difficult not to love them back, and loved customers often love their sales people. Now there's a relationship to kill for.
Sierra Pacific NM serves New Mexico border to border from our Albuquerque offices at 9400 Holly Ave. NE, right on Paseo del Norte. We are a national mortgage bank statewide serving New Mexican Realtors and their clients, providing highly competitive rates, outstanding local customer service, and closings on time or early.
Call Denise at (505)821-2032 for details. We are available evenings and weekends for your convenience. www.sierrapacificnm.com
LINKS!
Sierra Pacific Mortgage NM: http://www.sierrapacificnm.com/
Women's Council of Realtors: www.WCRAlbuquerque.com
KCM Blog: www.KCMblog.com/subscribe
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This electronic message contains information from Sierra Pacific Mortgage Company, Inc., which may be confidential or privileged. The information is intended to be for the use of the individual or entity named above. If you are not the intended recipient, be aware that any disclosure, copying, distribution or use of the contents of this information is prohibited. If you have received this transmission in error, please notify me by telephone (505)821-2032 or by electronic mail (denise.dobier@spm1.com)
Our assumptions.
- Mortgage Rates could change daily.
- Actual payments will vary based on your individual situation and current rates.
- Based on the purchase/refinance of a primary residence with no cash out at closing.
- We assumed ( unless otherwise noted ) that: This is your primary residence and is a single family home; debt-to-income ratio is less than 30%; and credit score is over 720; and an escrow account is set up for the payment of taxes and insurance.
- The lock period for your rate is 30 days.
- The loan to value (LTV) is 70%.
- Please remember that we do not have all your information. Therefore, the rate and payment results you will see from this calculation may not reflect your actual situation. You may still qualify for a loan even if your situation doesn’t match our assumptions. To get more accurate and personalized results, please call our Albuquerque office at (505)821-2032 or in Las Cruces at (575)680-1323. Our services are available throughout New Mexico.