Brady Holland Mortgage Planner
Arizona Homeowner September / 2010
imortgage 4800 N. Scottsdale Rd., Suite 1000 Scottsdale, Arizona 85251 RETURN SERVICE REQUESTED
Real estate financing can be a daunting task. And that is especially true in today’s world where lenders are more cautious about lending due to economic uncertainty. I understand that choosing a mortgage is one the biggest decisions that you will make. You want the best interest rate and you want the pre-approval, application, and close of escrow process to be hassle-free. I understand. I listen to your needs. And I respond quickly and deliver. Let me put my nearly two decades of residential lending experience to work for you!
Adding
• The needs of every client are different. I specialize in tailoring a loan and financing strategy that will best fit the individual needs of each client.
MORTGAGE RATES
• Have you ever closed on a mortgage and later had remorse that you may have picked the wrong loan program or paid too much in fees? I offer a benefit analysis on every loan to ensure that the loan program and the associated costs are the best fit and in the best interest of the client.
as of 8/3/10
Loan Rates for $150K-$417K:
• I use the latest lending technology to deliver a loan credit decision in hours, not days.
• 30-Year Fixed: 4.375%/4.556% APR • 15-Year Fixed: 3.875%/4.189% APR • 5/1 ARM: 3.375%/3.588% APR
• Closing thousands of loans over the course of my career assures you that as an industry veteran I have the knowledge and expertise to handle every situation. • My impeccable reputation is my best asset. I always strive to exceed your expectations and earn your business for life!
Call me today!
To Your Home Decor
Loan Rates for $418K-$1.5M: • 30-Year Fixed: 5.125%/5.250% APR • 5/1 ARM: 3.750%/4.026% APR • 7/1 ARM: 4.000%/4.235% APR *Note: All rate quotes offered at 1% origination fee for primary home purchase or no cash-out refinance financing with 720+ FICO score. Loans under $417K are quoted based on 20% equity while loans over $417K require 20%-30% equity. Other financing options are available upon request.
Brady Holland
Mortgage Planner NMLS ID 180079
Office: 480.388.8452 Mobile: 480.272.3282 Brady.Holland@imortgage.com www.imortgage.com/Brady.Holland
MARKET WATCH UPDATE
In the lending world we have actually seen some recent easing
of down payment requirements. And that is a good sign. For clients with high credit scores, the 10% down conventional loan program has been revised to 5% minimum down payment. And we still also have 3.5% down payment FHA loans in addition to 0% down VA and USDA loans. In real estate news, we saw a good run up of local home sales through June due in large part to the homebuyer tax credit program deadline. And in continued good news, the average Metro Phoenix
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home sales price actually edged up almost 2% from this time last year. It will be interesting to see how the market holds up now that the home buyer tax credit has expired. However, we expect the recent drop in mortgage rates to a 40-year low to help keep home sales moving both locally and nationally.
AZBK 0903725
Produced by Desert Lifestyle Publishing • 480.460.0996 • www.DesertLifestyle.net
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