Please ask about our relock floatdown program.

Rates

Loan Products	Rate	APR	Points	Fees
30 Year Fixed / call for 0 points	5.375	5.67	3.00	C/O W/E
30 Year Fixed / call for 0 points	5.625	5.92	2.00	C/O W/E
30 Year Fixed Jumbo / call for 0 points	4.625	3.1pt/5.08	5/1ARM
30 Year Fixed Jumbo	5.00	3pt/5.39	7/1ARM
15 Year Fixed / call for 0 points	4.75	5.21	3.00	C/O W/E
1 Year ARM	Call	Call	Call
15 Year fixed Jumbo / call for 0 points	5.5	5.79	2.00
10 YR Fixed	4.625	5.11	3.50	C/O W/E
5/1 ARM	4.625	5.07	3.00
Loans are calculated off 185K
PURCHASE ADMIN FEE APPLIES
Call 610-975-9940(Wayne) for a current rate quote. FREE (5max) RE-LOCKS...Current rates are for today, and are subject to change on an hourly basis due to active Bond market changes. NEW APPLICATIONS ONLY. KURANDA ON COMCAST, KYW NEWS RADIO, WIP AM, 98.1 FM, ESPN AM AND CBS3 TV. Rates vary state to state. Your state's rate may be lower or higher; add 3/8 to points for CT/NJ. 10:00AM(EST) good to 7:00PM(EST) . Rates are higher for longer terms than 30 days listed. Please call for exacts. Lock fee charge of .50% required for locks over 60 days, .75 for 90 days and 1% for locks over 91 days to 150 days. Lock fee is refunded 100% two weeks after closing for up to 60 day lock terms . PMI insurance can be eliminated by doing a 90% or 95% 1st and 2nd combo. For 95% add 1/4 to rate or pay 3/4% in discount points. Upfront lock fees required on no PMI programs going past 60 day lock.Floatdown option ends 17 business days before closing date. New company policy as of July 1st/2000, Administrative fee (.375%) charged on all fixed rate loans, this fee can be waived by raising the interest rate by 1/8% to 1/4%, depending on loan size.We arrange but do not make loans in Massachusetts, per Division of Banks.Annual percentage rate may be increased after consummation.Ma mortgage broker mb3693, 3694.CT # 9003 First Mortgage Correspondent Lender/Broker.DE 150064 Mortgage Loan Broker, FLA 352071 Mortgage Brokerage Business License, MD 10424 Mortgage Lender, NH 10499-MBR Mortgage Broker, PA 12376 Loan Correspondent, PA 12377 Secondary Mortgage Broker, VA MB2450 Mortgage Broker/Banker,CO 20051398754 Mortgage Broker, NJ 0633437,9947100,0632872 Licensed Lender, 2 NJ branches. Kuranda Financial Mortgage, Inc. Updated 1/07 State Number Expires License Held Connecticut 9003 9/30/2007 First Mortgage Correspondent/ Broker Delaware 147876 12/31/2007 Chap. 21 Mortgage Loan Broker License Florida 352071 8/31/2008 Mortgage Brokerage Business License 429050 8/31/2007 Mortgage Broker License Maryland 10424 1/16/2009 Mortgage Lenders Massachusetts MB3693 5/31/2007 Mortgage Broker New Jersey 633437 6/30/2009 Mortgage Broker- Branch 632802 6/30/2009 Mortgage Broker- Corporation 9947100 6/30/2009 Mortgage Broker- Individual Pennsylvania 12376 6/30/2009 Loan Correspondent 12377 6/30/2009 Secondary Mortgage Broker Virginia MB2450 Continuous Mortgage Broker Application, credit,appraisal and all other fees are non refundable.

We also offer 20 and 10 year terms as well as Jumbo loan rates. Already have a quote from another mortgage company? Please call us to compare; we are a small storefront banker with low overhead costs, passing the savings to the borrower in the form of lower rates and fees.