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 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 |
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 | CFI | CFI | 3.400 | 2.875 | 2.875 | 3.375 | 4.375 | |||
45
days lock | CFI | CFI | 3.490 | 3.000 | 3.000 | 3.500 | CFI | ||||
| No Cost (Purchase) | 10
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 (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 | CFI | CFI | 3.490 | 3.000 | 2.875 | 3.375 | 4.375 | |||
45
days lock | CFI | CFI | 3.625 | 3.125 | 3.000 | 3.500 | CFI | ||||
| No Cost (Purchase) | 10
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 (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 | CFI | CFI | 3.875 | 3.700 | 3.490 | 4.000 | N/A | ||||
| No Cost (Purchase) | 10
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 (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 | CFI | CFI | 3.990 | 3.750 | 3.625 | 4.000 | 5.000 | |||
45
days lock | CFI | CFI | 3.990 | 3.875 | 3.750 | 4.000 | CFI | ||||
| No Cost (Purchase) | 10
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 | With Cost (pur /Refi) | 10
days lock |
4.490 | 4.375 | 4.300 | 4.250 | 4.125 | N/A | N/A | 4.375 | N/A |
45
days lock |
4.600 | 4.600 | 4.490 | 4.400 | 4.300 | N/A | N/A | 4.600 | |||
| No Cost (Refinance) | 10
days lock | N/A | N/A | N/A | 4.750 | 4.600 | N/A | N/A | |||
45
days lock | N/A | N/A | N/A | 4.750 | 4.700 | N/A | N/A | ||||
| No Cost (Purchase) | 10
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 Interest Only | With Cost (Pur /Refi) | 10
days lock |
N/A | 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 | ||||
| No Cost (Refinance) | 10
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 | ||||
| No Cost (Purchase) | 10
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 | ||||
* 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 : **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. **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
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Amortization Calculator
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