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Florida Mortgage Rates

 

Florida Mortgage Rates

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Associate Mortgage's Rates
and Assumptions


These are a few of our current rates which are updated on a daily basis for our most requested loans.

These are NOT all of our rates! We have a lot more programs available from national lender that you know very well, and others you more than likely have not heard about yet, There are just too many lenders, banks and investors that we work with to list here. We have over 10,000 loan programs and rates vary per person or borrowers.

The number one reason to work with Associate Mortgage is that we shop for the best program for you, find the best rate through our resources, and only pull your credit once. Your scores will not be pulled down while we do the shopping and effort on your behalf.
 

Contact us for other mortgages and loan program specifications as well as for a personalized quote for you.
 

Please note that all published and non-published rates are based on Assumptions. See the Assumptions for these published rates.
 

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Assumptions for our rates:

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Conforming Loans are mortgages or home loan amounts below $417,000 - up from 2005 loan amount of $333,700!

All rates provided in our rate table under the Conforming Loan title are based on a loan amount of $240,000 with a 35 day Lock Rate. This would be 80% of the total purchase price or appraised value ( which ever is lower). Therefore, the loan amount of $240,000 would be based on a value or sale price of $300,00.

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Jumbo Loans are loans equal to or greater that $417,000- up from 2005 loan amount of $333,700!:

The rates provided in our rate table under the Jumbo Loan title are based on a loan amount of $500,000 which is 80% of the total purchase price or appraised value, which ever is lower. Therefore, the loan amount of $500,000 would be based on a value or sale price of $625,000.

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Closing costs consist of lender fees and broker fees/costs which are typically financed in the total loan and is approximately $1,276.00. These fees are considered when calculating the Annual Percentage Rate or APR. The Total Closing Costs including the Appraisal and Credit Reports which are typically paid Outside of Closing (POC) are $1,608.00.

GUARANTEED Closing Costs
for Conforming Loan Published Rates

Appraisal Fee $300.00
Credit Report $32.00

Paid Outside of Closing (POC)

$332
Application Fee -0-
Points Fee -0-
Processing Fee $425.00
Administration Fee to Lender $690.00
Warehouse/Table Funding to Lender $25.00
Courier/Overnight Fee $50.00
Flood Certification to Lender $11.00
Document Preparation Fee -0-
Underwriting Fee -0-
Tax Service Fee to Lender $75.00

Closing Costs

$1,276

TOTAL Closing Costs w/ POC

$1,608

* Closing Costs of Posted Rate with * Last Updated 07/31/2007

Closing Costs

$1,276

TOTAL Closing Costs w/ POC

$1,608

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These loan programs require full documentation (borrower information is verified; e.g., income, employment and mortgage history are checked with those in the know to confirm the borrower supplied information.) Each borrower must meet each loan's guidelines and credit requirements.

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Prices change daily and may or may not be updated each day without notice.

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Rates are quoted based on a 35 day lock period. If an application has been submitted and approved, a borrower would be able to obtain the above rates if documentation is submitted on time and properly per the lender's stipulations.

Ready to apply? Click here

Need to calculate a mortgage with the above rates? Visit our mortgage calculator page which also has our rates on the same page.

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