ARM

KFS Mortgage Co.

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

NJ Licensed Mortgage Banker

Updated on Feb 03, 2012

**Office close from 02/13/2012 to 02/17/2012**

**Reopen on 02/21/2012**

Current Page: Regular Adjustable Mortgage Rates

Click for View: Fixed Mortgage Rates -- Interest Only Rates

Rates subject to change without notice.

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

*APR only for reference and not for mortgage payment*

Regular ARM			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)
1 Year ARM 0 Point	With Cost (Pur /Refi)	10 days lock	N/A	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	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
3/1 ARM 0 Point	With Cost (Pur /Refi)	10 days lock	2.500*	2.500*	2.375*	2.375*	2.375*	CFI	3.625*	2.500	N/A
	With Cost (Pur /Refi)	45 days lock	2.625	2.625	2.500	2.500	2.500	CFI	CFI	2.625
	No Cost (Refinance)	10 days lock	CFI	CFI	CFI	2.875*	2.625*	CFI	CFI
	No Cost (Refinance)	45 days lock	CFI	CFI	CFI	3.125	2.875	CFI	CFI
	No Cost (Purchase)	10 days lock	N/A	N/A	N/A	N/A	N/	N/A	N/A
	No Cost (Purchase)	45 days lock	N/A	N/A	N/A	N/A	N/A	N/A	N/A
5/1 ARM 0 Point	With Cost (Pur /Refi)	10 days lock	2.490*	2.490*	2.375*	2.375*	2.375*	2.800*	2.700*	2.490	N/A
	With Cost (Pur /Refi)	45 days lock	2.700	2.625	2.600	2.490	2.490	2.990	2.800	2.625
	No Cost (Refinance)	10 days lock	CFI	CFI	CFI	2.750*	2.625*	3.200*	2.875*
	No Cost (Refinance)	45 days lock	CFI	CFI	CFI	2.875	2.750	3.375	3.100
	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
7/1 ARM 0 Point	With Cost (Pur /Refi)	10 days lock	2.800*	2.750*	2.700*	2.625*	2.600*	2.990*	3.100*	2.750	N/A
	With Cost (Pur /Refi)	45 days lock	2.900	2.875	2.800	2.800	2.750	3.100	3.250	2.875
	No Cost (Refinance)	10 days lock	CFI	CFI	CFI	2.990*	2.875*	3.250*	3.490*
	No Cost (Refinance)	45 days lock	CFI	CFI	CFI	3.125	2.990	3.400	3.600
	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
10/1 ARM 0 Point	With Cost (Pur /Refi)	10 days lock	3.490*	3.400*	3.375*	3.300*	3.250*	3.600*	3.700*	3.400	N/A
	With Cost (Pur /Refi)	45 days lock	3.600	3.490	3.490	3.400	3.375	3.625	3.800	3.490
	No Cost (Refinance)	10 days lock	CFI	CFI	CFI	3.600*	3.490*	3.750*	3.990*
	No Cost (Refinance)	45 days lock	CFI	CFI	CFI	3.625	3.600	3.750	4.200
	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

* 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

*Extra $250 for application fee of investment property

**Additional 0.50 point for CASH OUT REFINANCE unless LTV = or <60%**
***Extra 0.25 point for LTV > or = 75%***

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

Forms are in Adobe Acrobat (.pdf) format