KFS Mortgage Co.

Suite 12 ~ 406 Main St ~ Metuchen, NJ 08840 ~ (732) 548-8899

NJ Licensed Mortgage Banker

Updated May 18, 2012

***office close from 05/21/2012 to 05/25/2012***

***office re-open on 05/29/2012***

Current Page:  Fixed Mortgage Rates

Click for View:  Regular ARM Rates -- Interest Only Rates

Rates subject to change without notice.

*APR only for reference and not for mortgage payment*

*CFI means "please call for information"*

ATTN: (1) For REFINANCE, 10 day lock only available for certain banks.

10 day lock is the issue. TIME might be not enough with risk for refinance

Even if for 45/60 days lock, we still always try to get 10 days rate & price for our customers

(2) The lowest rates we have are posted from different BANKS and not from same BANK.

Based on your qualification and the availability of bank, we will fit you to a specific BANK for you

If you lock-in for 60 days, the rate will be 0.125 higher than 45 days' rate

The following rates are supposed your credit FICO score is greater than or equal to 750, otherwise the rates get worse

Fixed Rate MortgageLess
Than
100,000
100,000
-
149,999
150,000
-
199,999
200,000
-
299,999

300,000

-

417,000

417,001

-

625,500

625,501

-

(Jumbo)

APR

(Non-Jumbo)

APR

(Jumbo)

10 Yrs Fixed
0 Point

With Cost

(Pur /Refi)

10 days lock
2.875

2.750

2.750 2.750

2.750

3.250 4.125 2.750 N/A
45 days lock
3.000 2.875 2.875 2.750 2.750 3.250 4.375

2.875

N/A
No Cost (Refinance)
10 days lock
CFICFI 3.400 2.875 2.875 3.375 4.375   
45 days lock
CFICFI 3.490 3.000 3.000 3.500 CFI   
No Cost (Purchase)
 10 days lock
N/AN/AN/AN/AN/AN/AN/A  
45 days lock
N/AN/AN/AN/AN/AN/AN/A  
15 Yrs Fixed
0 Point

With Cost

(Pur / Refi)

 10 days lock
2.875 2.750 2.750 2.750

2.750

3.250 4.125 2.750 N/A
45 days lock
3.000 2.875 2.875 2.750 2.750

3.250

4.375 2.875  
No Cost (Refinance)
 10 days lock
CFICFI 3.490 3.000 2.875 3.375 4.375   
45 days lock
CFICFI 3.625 3.125 3.000 3.500 CFI   
No Cost (Purchase)
 10 days lock
N/AN/AN/AN/AN/AN/AN/A  
45 days lock
N/A N/A N/A N/A N/A N/A N/A    

20 Yrs Fixed

0 Point

With Cost

(Pur /Refi)

 10 days lock
3.400 3.375 3.300 3.300 3.250 3.750 N/A 3.375 N/A
45 days lock
3.490 3.400 3.375 3.375 3.375 3.875 N/A 3.400  
No Cost (Refinance)
 10 days lock
CFI CFI 3.750 3.600

3.400

3.875 N/A    
45 days lock
CFICFI 3.875 3.700 3.490 4.000 N/A  
No Cost (Purchase)
 10 days lock
N/AN/AN/AN/AN/AN/AN/A  
45 days lock
N/AN/AN/AN/AN/AN/AN/A  
30 Yrs Fixed
0 Point

With Cost

(Pur /Refi)

 10 days lock
3.625 3.500 3.500 3.500 3.375 3.875 4.625 3.500 N/A
45 days lock
3.750 3.625 3.500 3.500 3.500 3.875 4.875 3.625  
No Cost (Refinance)
 10 days lock
CFICFI 3.990 3.750 3.625 4.000 5.000   
45 days lock
CFICFI 3.990 3.875 3.750 4.000 CFI   
No Cost (Purchase)
 10 days lock
N/AN/AN/AN/AN/AN/AN/A  
45 days lock
N/AN/AN/AN/AN/AN/AN/A  

40 Yrs Fixed
0 .000 Point

With Cost

(pur /Refi)

 10 days lock
4.490 4.375 4.300 4.250 4.125 N/AN/A 4.375 N/A
45 days lock
4.600 4.600 4.490 4.400 4.300 N/AN/A 4.600  
No Cost (Refinance)
 10 days lock
N/AN/A N/A 4.750 4.600 N/AN/A  
45 days lock
N/AN/A N/A 4.750 4.700 N/AN/A  
No Cost (Purchase)
 10 days lock
N/AN/AN/AN/AN/AN/AN/A   
45 days lock
N/AN/AN/AN/AN/AN/AN/A  

30 Yrs Fixed

Interest Only
0.000 Point

With Cost

(Pur /Refi)

 10 days lock
N/A N/A N/A N/A N/A N/AN/A   N/A
45 days lock
N/A N/A N/A N/A N/A N/AN/A    
No Cost (Refinance)
 10 days lock
N/AN/A N/A N/A N/A N/AN/A  
45 days lock
N/AN/A N/A N/A N/A N/AN/A  
No Cost (Purchase)
 10 days lock
N/AN/AN/AN/AN/AN/AN/A  
45 days lock
N/AN/AN/AN/AN/AN/AN/A  

* Please complete LOCK-IN Form and fax back to us by 5:00 PM for lock in*

* Application Package has to be sent back to us within one week *

FAX # 732-548-8887

Email : email

**Additional 0.50 point for CASH OUT REFINANCE unless LTV is equal to or less than 60% - for conforming only**

**For CONDO or TOWNHOUSE, if the LTV  > 75%, additional 0.75 point is required.
**For 2,3,4 family, additional 1.00 point is required.

**Extra $250 for application fee of investment property

**For investment property, max LTV is 75% but additional 1.750 point is required.

***Extra 0.25 point for LTV > or = 75%***


*single family new conforming limit as $729750 is only effective for the following counties

Bergen,Essex,Hudson,Hunterdon,Middlesex,Monmouth,Morris,Ocean,Somerset,sussex,Union

CLICK the following buttons in order to download and printout Lock-In Form or Application Form


Forms are in Adobe Acrobat (.pdf) format

Amortization Calculator