KFS Mortgage Co. Fixed Rates

KFS Mortgage Co.

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

NJ Licensed Mortgage Banker

Updated Jan 27, 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: For REFINANCE, 10 day lock only available for certain Banks

10 days 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

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 Mortgage			Less 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	3.125*	3.000*	2.875*	2.875*	2.875*	3.375*	4.125*	3.000	N/A
	With Cost (Pur /Refi)	45 days lock	3.125	3.125	3.000	3.000	3.000	3.500	4.375	3.125	N/A
	No Cost (Refinance)	10 days lock	CFI	CFI	3.250*	3.125*	3.125*	3.500*	4.500*
	No Cost (Refinance)	45 days lock	CFI	CFI	3.375	3.250	3.125	3.625	4.625
	No Cost (Purchase)	10 days lock	N/A	N/A	N/A	N/A	N/A	N/A	N/A
	No Cost (Purchase)	45 days lock	N/A	N/A	N/A	N/A	N/A	N/A	N/A
15 Yrs Fixed 0 Point	With Cost (Pur / Refi)	10 days lock	3.250*	3.100*	3.100*	2.990*	2.900*	3.250*	3.490*	3.100	N/A
	With Cost (Pur / Refi)	45 days lock	3.250	3.250	3.125	3.125	3.125	3.300	3.600	3.250
	No Cost (Refinance)	10 days lock	CFI	CFI	3.375*	3.375*	3.250*	3.375*	3.700*
	No Cost (Refinance)	45 days lock	CFI	CFI	3.500	3.375	3.250	3.490	3.875
	No Cost (Purchase)	10 days lock	N/A	N/A	N/A	N/A	N/A	N/A	N/A
	No Cost (Purchase)	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	3.500*	3.500*	3.500*	3.375*	3.375*	4.000*	N/A	3.500	N/A
	With Cost (Pur /Refi)	45 days lock	3.625	3.625	3.625	3.625	3.625	4.125	N/A	3.625
	No Cost (Refinance)	10 days lock	CFI	CFI	3.750*	3.750*	3.625*	4.125*	N/A
	No Cost (Refinance)	45 days lock	CFI	CFI	3.875	3.875	3.750	4.250	N/A
	No Cost (Purchase)	10 days lock	N/A	N/A	N/A	N/A	N/A	N/A	N/A
	No Cost (Purchase)	45 days lock	N/A	N/A	N/A	N/A	N/A	N/A	N/A
30 Yrs Fixed 0 Point	With Cost (Pur /Refi)	10 days lock	3.625*	3.625*	3.500*	3.500*	3.500*	3.875*	4.375*	3.625	N/A
	With Cost (Pur /Refi)	45 days lock	3.750	3.750	3.625	3.625	3.625	3.990	4.490	3.750
	No Cost (Refinance)	10 days lock	CFI	CFI	3.875	3.750*	3.625*	4.100*	4.600*
	No Cost (Refinance)	45 days lock	CFI	CFI	4.000	3.875	3.750	4.125	CFI
	No Cost (Purchase)	10 days lock	N/A	N/A	N/A	N/A	N/A	N/A	N/A
	No Cost (Purchase)	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 (pur /Refi)	10 days lock	N/A	N/A	N/A	N/A	N/A	N/A	N/A		N/A
	With Cost (pur /Refi)	45 days lock	N/A	N/A	N/A	N/A	N/A	N/A	N/A
	No Cost (Refinance)	10 days lock	N/A	N/A	N/A	N/A	N/A	N/A	N/A
	No Cost (Refinance)	45 days lock	N/A	N/A	N/A	N/A	N/A	N/A	N/A
	No Cost (Purchase)	10 days lock	N/A	N/A	N/A	N/A	N/A	N/A	N/A
	No Cost (Purchase)	45 days lock	N/A	N/A	N/A	N/A	N/A	N/A	N/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/A	N/A		N/A
	With Cost (Pur /Refi)	45 days lock	N/A	N/A	N/A	N/A	N/A	N/A	N/A
	No Cost (Refinance)	10 days lock	N/A	N/A	N/A	N/A	N/A	N/A	N/A
	No Cost (Refinance)	45 days lock	N/A	N/A	N/A	N/A	N/A	N/A	N/A
	No Cost (Purchase)	10 days lock	N/A	N/A	N/A	N/A	N/A	N/A	N/A
	No Cost (Purchase)	45 days lock	N/A	N/A	N/A	N/A	N/A	N/A	N/A

** 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

**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.

**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