KFS Mortgage Co.

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

NJ Licensed Mortgage Banker

Updated on July 15, 2009

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: If you never locked your loan before, your loan has been approved already

and clear to close, you are able to lock for 15 days otherwise you have to lock for 45 /60 days.

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 740, otherwise the rates get worse

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

300,000

-

417,000

417,001

-

729,750

729,751

-

(Jumbo)

APR

(Non-Jumbo)

APR

(Jumbo)
10 Yrs Fixed
0 Point		 With Cost
15 days lock
 4.750

4.750

 4.625 4.625

4.625

 4.750 N/A 4.750 N/A
45 days lock
 4.875 4.875 4.750 4.750 4.750 4.990 N/A 4.875 N/A
No Cost (Refinance)
15 days lock
 CFI CFI 4.875 4.750 4.750 4.990 N/A    
45 days lock
 CFI CFI 5.125 4.990 4.875 5.250 N/A    
No Cost (Purchase)
 15 days lock
 N/A N/A N/A N/A N/A N/A N/A    
45 days lock
 N/A N/A N/A N/A N/A N/A N/A    
15 Yrs Fixed
0 Point		 With Cost
 15 days lock
 4.750 4.750 4.625 4.625

4.625

 4.990 5.750 4.750 N/A
45 days lock
 5.000 5.000 4.875 4.875 4.875 5.250 5.875 5.000  
No Cost (Refinance)
 15 days lock
 CFI CFI 5.000 4.875 4.875 5.250 6.000    
45 days lock
 CFI CFI 5.375 5.250 5.125 5.375 6.250    
No Cost (Purchase)
 15 days lock
 N/A N/A N/A N/A N/A N/A N/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
 15 days lock
 5.375 5.375 5.250 5.250 5.250 5.490 N/A 5.375 N/A
45 days lock
 5.490 5.490 5.375 5.375 5.375 5.875 N/A 5.490  
No Cost (Refinance)
 15 days lock
 CFI CFI 5.750 5.500

5.375

 5.875 N/A    
45 days lock
 CFI CFI 5.990 5.875 5.625 5.990 N/A    
No Cost (Purchase)
 15 days lock
 N/A N/A N/A N/A N/A N/A N/A    
45 days lock
 N/A N/A N/A N/A N/A N/A N/A    
30 Yrs Fixed
0 Point		 With Cost
 15 days lock
 5.375 5.375 5.250 5.250 5.250 5.625 6.250 5.375 N/A
45 days lock
 5.500 5.500 5.375 5.375 5.375 5.875 6.375 5.500  
No Cost (Refinance)
 15 days lock
 CFI CFI 5.625 5.500 5.375 5.875 6.500    
45 days lock
 CFI CFI 6.000 5.750 5.625 6.250 6.625    
No Cost (Purchase)
 15 days lock
 N/A N/A N/A N/A N/A N/A N/A    
45 days lock
 N/A N/A N/A N/A N/A N/A N/A    

40 Yrs Fixed
0 .000 Point

 With Cost
 15 days lock
 6.125 5.990 5.875 5.875 5.875 N/A N/A 5.990 N/A
45 days lock
 6.375 6.375 6.250 6.250 6.250 N/A N/A 6.375  
No Cost (Refinance)
 15 days lock
 N/A N/A CFI 6.375 6.250 N/A N/A    
45 days lock
 N/A N/A CFI 7.000 6.375 N/A N/A    
No Cost (Purchase)
 15 days lock
 N/A N/A N/A N/A N/A N/A N/A    
45 days lock
                  

30 Yrs Fixed
0.000 Point

Lender paid mortgage insurance

FICO >=700

80%<LTV=<90%

purchase & 1 family only

 With Cost
 15 days lock
 5.625 5.500 5.375 5.375 5.375 N/A N/A 5.500 N/A
45 days lock
 CFI CFI CFI CFI CFI N/A N/A CFI  
No Cost (Refinance)
 15 days lock
 N/A N/A N/A N/A N/A N/A N/A    
45 days lock
                  
No Cost (Purchase)
 15 days lock
 N/A N/A N/A N/A N/A N/A N/A    
45 days lock
                  

** LOCK CUT OFF: 3:00PM **

* Please complete LOCK-IN Form and fax back to us by 3:00 PM for lock in*

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

FAX # 732-548-8887

email

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

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

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

*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