Dear Friends:

Let me take this time to advise you that the mortgage rate have been excellent. If you are considering purchasing, thinking of refinancing or buying an investment property I can provide you with very competitive rates.

3.75% fixed for 15 years
4.25% fixed for 30 years

On refinance - we can close in 2-3 weeks.
On purchases - we can close in 4-6 weeks.

To make the process faster please have the following:

  • 2 recent paystubs from all jobs
  • 2 months of bank statements –all pages
  • Current mortgage statement(s)
  • Home owners insurance policy
  • 2008 and 2009 tax return and W2
  • 401K or other retirement statements
  • Copy of social security card and driver’s license
  • If self-employed – business banks statements and income and expenreport

Rates may vary slightly based on house value, amount of loan, credit scores, income/expense ratio, points paid, combining other loans and/or closing costs, and/or outstanding debts. Investment home may require up to 30% down payment.

Please call me at (718) 698-2370 to discuss mortgage or tax matters.

Sincerely,

Shibu P. Thomas, MBA, MS
Accountant and Mortgage Consultant