MHDC’s CAL Cash Assistance loan rate is now 4.5 percent!

First-time home buyers receive a forgivable 3% cash assistance loan for down payment and closing costs.

Program Highlights:

  •  3% Cash Assistance Loan (CAL) can be used for down payment 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-year fixed 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 http://www.box.net/shared/js648pe7qau764p7an4l or go to www.mhdc.com .

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

St. Louis MORTGAGE INTEREST RATES for August 24, 2011:

  • Conventional 30-Year Fixed 4.125%/ 4.375% APR
  • Conventional 15-Year Fixed 3.375%/ 3.495% APR
  • Conventional 5/1 ARM 3.125%/ 3.027% APR
  • FHA/VA 30 Year Fixed 4.00%/ 4.564% APR
  • Jumbo 5/1 ARM 3.125%/ 2.845% APR
  • Jumbo 15 yr Fixed 3.750%/ 3.875% APR
  • Jumbo 30 yr Fixed 4.875%/ 5.125% APR

*The above mortgage rates are based upon an 80% LTV, o/o single family with FICO scores of 720.

Paramount Mortgage is a locally owned Mortgage Banker; we just celebrated our 40th anniversary. Great rates and programs are secondary to what is most desired in a lender relationship. The most sought-after aspects in this industry cannot be easily translated onto paper…learn more about us here.

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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