Mortgage rates are currently very favorable. If you are considering purchasing, refinancing, or buying an investment property, I can provide highly competitive rates:

• Around 3.75% fixed for 15 years
• Around 4.125% fixed for 30 years

For a refinance, we can close in 2–3 weeks. For a purchase, we can close in 4–6 weeks.

To fasten the process, please have the following available:

• 2 recent paystubs from all jobs
• 2 months of bank statements (all pages)
• Current mortgage statement(s)
• Homeowners insurance policy
• Last 2 years of tax returns and W2s
• 401K or other retirement statements
• Copy of your Social Security card and your driving license
• If self-employed, business bank statements and income/expense reports

• Rates may vary slightly based on house value, loan amount, credit scores, income/expense ratio, points paid, combining other loans and/or closing costs and/or outstanding debts. An investment home may require up to a 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

  We provide services to the following places: Staten Island, Queens, Jamaica, Astoria, Brooklyn, Manhattan, Long Island, Floral Park, New Hyde Park, Lake Success, Bellerose, Queens Village, Great Neck, Manhasset Hills, Roselyn, Roselyn Heights, Nassau County and Suffolk County.

  For more information, visit www.irs.gov.