Interest Rate Change; St. Louis Mortgage Interest Rate Update

FHA Interest Rate  Change:  MHDC’s Cash Assistance  Loan  (CAL)  is now 4%! (APR 4.93)

MHDC is raising mortgage interest rates offered to  first-time homebuyers.  First-time  home buyers receive a forgivable 3% cash assistance loan for down payment and  closing costs.
ask-the-expert

Program Highlights

  • 3% Cash Assistance Loan (CAL)  can be used for downpayment  and closing costs.
  • CAL  is forgivable after 5 years of occupancy.
  • 30 Year Fixed Rate Mortgages & Competitive Rates.
  • CAL  can be used with FHA, VA and USDA Rural Development loan  programs.
  • First time home buyer requirement only applies to the last three  years.
  • Loan is assumable for an MHDC-qualified borrower in an FHA, VA or USDA-RD loan  program.
  • Eligible owner occupied properties include: Single-Family Detached, Duplexes,  Semi-Detached, Condominiums, Town Homes.

The  Missouri Housing Development Commission (MHDC) provides a competitive interest  rate on a safe 30-yearfixed  rate 1st  mortgage. Your 3% advance loan is treated as a 2nd mortgage completely  forgivable after five years of continuous occupancy.

Learn  more about the first time homebuyer “Cash Assistance” loan by going to www.mhdc.com  or call me!

**MHDC  Cash Assistance Loan/FHA financing 4.564% Annual Percentage Rate, loan-to-value  96.5%, 680 credit score, includes 1.0% UFMIP.MHDCCAL  is a 3% forgivable, 5-year, 2nd mortgage. MHDC household income limits apply.  Rates are subject to change.

St.  Louis MORTGAGE INTEREST RATES for February 6,  2013:

  • ·      Conventional 30-Year Fixed 3.500%/  3.777%APR
  • ·      Conventional 15-Year Fixed  2.875%/2.972%APR
  • ·      Conventional 7/1ARM 2.875%/ 3.582%APR
  • ·      FHA/VA 30 Year Fixed 3.25%/4.160%APR
  • ·      Jumbo 5/1ARM 2.625%/ 2.426%APR
  • ·      Jumbo 15 yr Fixed 3.000%/ 3.094%APR
  • ·      Jumbo 30 yr Fixed 4.625%/ 4.719%APR

*The above mortgage rates are based upon an 80% LTV, o/o single family with FICO scores of 720. Fees/rates may vary for different loan amounts and will affect the actual APR. Quoted rates are for 740 credit scores or greater with 80% LTV (Loan to value) or less. All pricing is dependent on applicant’s LTV, credit score, and state residence. Conforming rates are for a primary residence in the St. Louis MSA over $150,000 & under $417,000.

This information is provided to you for informational purposes only and is not an advertisement to extend customer credit as defined by Section 226.2 Regulation Z. Contact Paramount Mortgage to learn more about its mortgage products and your eligibility for such products. Program rates, terms and conditions are subject to change at any time.

Paramount Mortgage is a locally owned Mortgage Banker celebrating our 41st year. Great rates and programs are secondary to what is most desired in a lender relationship: Integrity, Communication and Customer Satisfaction. Be to check out our website: www.paramountmortgage.com

For more information or if you have questions on mortgage rates you may contact me by phone at my direct line, (314) 372-4319, email at rfishel@paramountmortgage.com or you can visit our company website at http://www.paramountmortgage.com.

 

 

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  • Good day! Would you mind if I share your blog with my facebook group? There’s a lot of folks that I think would really appreciate your content. Please let me know. Thanks

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