Loan Program Rate APR 30 year 0.000 15 year 0.000 5 year

Mortgage News Daily MBS RECAP: 2/3/2012 - 2 days ago Posted To: MBS CommentaryMBS Live : MBS RECAP Open MBS Live Dashboard FNMA 3.5 103-24 : -0-10 FNMA 4.0 105-17 : -0-09 FNMA 4.5 106-26 : -0-04 FNMA 5.0 108-01 : -0-02 GNMA 3.5 105-02 : -0-11 GNMA 4.0 107-24 : -0-07 GNMA 4.5 109-03 : -0-05 GNMA 5.0 110-27 : -0-03 FHLMC 3.5 103-16 : -0-09 FHLMC 4.0 105-06 : -0-08 FHLMC 4.5 106-09 : -0-04 FHLMC 5.0 107-20 : -0-01 Pricing as of 4:02 PM EST Afternoon Market Updates A recap of MBS Market Updates provided by MND Analysts and streamed live to the MBS Live Dashboard . 1:54PM : NY Files Lawsuit Against Big Banks for Deceptive and Fraudulent Use of MERS Attorney General Eric T. Schneiderman today filed a lawsuit against several of the nation?s largest banks charging that the creation and use of a private national mortgage electronic registry system known as MERS has resulted in...(read more)Forward this article via email:  Send a copy of this story to someone you know that may want to read it. MERS, Banks Sued by New York State; MERSCORP Responds - 2 days ago Posted To: MND NewsWireThree major banks and Virginia-based MERSCORP, Inc. and its subsidiary Mortgage Electronic Registrations Systems ( MERS ) were sued Friday by the state of New York. The suit, filed by the state's Attorney General Eric T. Schneiderman , charges that the creation and use of a privately national electronic registration system, MERS, "has resulted in a wide range of deceptive and fraudulent foreclosure filings in New York state and federal courts, harming homeowners and undermining the integrity of the judicial foreclosure process." Further, the lawsuit charges that the employees and agents of the three banks, Bank of America, J.P. Morgan Chase, and Wells Fargo , acting as "MERS certifying officers," have repeatedly submitted court documents containing false and misleading information that made...(read more)Forward this article via email:  Send a copy of this story to someone you know that may want to read it. Mortgage Rates Higher Following Employment Report - 2 days ago Posted To: Mortgage Rate WatchThe monthly Employment Situation Report was released at 8:30am this morning, with much better-than-expected results. Stocks rallied sharply and most every interest rate in fixed-income markets moved higher. The economic optimism created by this sort of data tends to increase demand for riskier investments like stocks and lower demand for things like fixed-income notes and bonds. MBS (the "mortgage backed securities" that most directly govern mortgage rates) fall into this fixed-income sector, and definitely weakened following the jobs data. As a result, Mortgages Rates moved higher at their fastest pace in some time, traversing most of this week's territory, but leaving Best-Execution rates mostly at 3.875%. (learn more about how we calculate Best-Execution in THIS POST ). We'd said yesterday...(read more)Forward this article via email:  Send a copy of this story to someone you know that may want to read it. Geithner Outlines Accomplishments, Future of Financial Reform - 2 days ago Posted To: MND NewsWireTreasury Secretary Timothy Geithner told the Financial Stability Oversight Council that the financial system is getting stronger and safer and that much of the excess risk-taking and careless financial practices that caused so much damage has been forced out. However, he said, "These gains will erode over time if we are not able to put our full reforms into place." He outlined the basic framework has been laid, with new global agreements to limit leverage, rules for managing the failure of a large firm and the new Consumer Financial Protection Bureau (CFPB) up and running, and the majority of the new safeguards for derivatives markets proposed. Geithner ticked off the major accomplishments of reform. First, banks now face much tougher limits on risk which are critical to reducing the risk of...(read more)Forward this article via email:  Send a copy of this story to someone you know that may want to read it. HOPE NOW Conference Focused on Military Families, Mediation - 2 days ago Posted To: MND NewsWireHOPE NOW, the voluntary private sector alliance of mortgage industry stakeholders, recently concluded a two day conference in Washington which focused on assistance to military homeowners and foreclosure mediation. One group of servicers, investors, and housing counselors met with regulators, investors, and members of the military to discuss ways of reaching military families facing foreclosure because of their unique situation which includes Permanent Change of Station and other issues. A second group of HOPE NOW stakeholders met with judges, attorneys, and several state housing agencies to discuss best standards related to foreclosure mediation. John Dalton, President of the Housing Policy Council, former Secretary of the Navy, and a panelist at the conference said "The current housing crisis...(read more)Forward this article via email:  Send a copy of this story to someone you know that may want to read it.

Loan Amount: $ Rate: Term: 50 year 40 year 30 year 20 year 15 year Payment: $

First Name:* Last Name:* E-Mail:* Phone:* Loan Amount: Loan Purpose: Purchase Refinance Refinance & Cash Out Loan Program: 50 Year Fixed 40 Year Fixed 30 Year Fixed 20 Year Fixed 15 Year Fixed 3/1 ARM 5/1 ARM 7/1 ARM 10/1 ARM Adjustable Interest Only Property Use: Primary Residence Second Home Rental or Investment Property Type: Single Family Condo/Townhouse 2 Units 3 Units 4 Units Other Property Value: Enter Code Shown:* * Required

 Free mortgage, title and legal services available through your favorite Realtor!

"Triple Play" is a True Breakthrough Concept.

Advantage Financial has served Pennsylvania residents for over 15 years.  We are the only organization in Pennsylvania licensed to provide integrated title, mortgage, legal and real estate services.   No one can do what we can!

Home buyers traditionally work with separate title, mortgage and other service providers.  Each has its own salespeople, staff, and overhead, including those affiliated with large real estate brokers.  Under the traditional approach you'll pay expensive sales commissions, fees and other expenses, plus a profit to each.

"Triple Play" Lowers Costs Dramatically.

By integrating title, mortgage and legal services into a single operation, Advantage Financial dramatically reduces your costs.   Here's how:

No Sales Commissions.  First, traditional service providers, especially mortgage companies, pay very substantial sales commissions to woo your business from competitors.  In contrast, the Triple Play program "sells itself", so sales commissions are not necessary.   

Reduced Overhead.  Second, as an integrated mortgage and title operation, Advantage consolidates processing and overhead resources, further reducing costs. 

Independent Ownership.  Third, Advantage is an independently owned company.  Unlike typical "shared ownership" companies that are affiliated with real estate brokers, this removes the incentive to "enhance" profits with higher rates and unnecessary fees to boost corporate profits.

These cost savings are very substantial, and are returned to you by eliminating lender and title fees, and furnishing legal back-up for your transaction at no cost to you.

Use Any Realtor!

If you like, we can recommend independent and experienced Accredited Buyer Representatives in your area.  Or, if you prefer, we will refer you to an agent that you already know and trust.  Either way, you choose.  And you still receive your mortgage, title and attorney services at no cost. 

Guaranteed Lowest Rates.

Through the Triple Play program you'll pay no lender fees, no title fees, and no legal fees.  

But that's just the beginning.  You also receive the guaranteed lowest rate for your mortgage and title insurance.  Shop around.  No one will lock you into a better rate. 

No fees and the guaranteed lowest rates?  You can't do better than that!

Know Your Rights, and Negotiate With Strength.

Experienced real estate attorneys charge hundreds, even thousands,  for routine residential transactions.  Small wonder that an attorney is a luxury most homebuyers choose to do without.  Now you don't have to. 

It's all too common to encounter issues with your seller during the buying process.  Why "go it alone" with your Realtor?  An experienced attorney will help you clearly understand the issues, help you with strategy and solutions, and make sure you are protected. 

Legal support can help you better understand your rights, make smarter decisions, and get better results.  This can translate into a smoother transaction, substantial dollar savings, and priceless "stress relief".

Get More, Pay Less, Enjoy Convenience and Control. 

Choose any Realtor.  Save thousands of dollars.  Have legal support if and when you or your Realtor want it.  Enjoy the convenience of direct connections to all of your key professionals.  Gain peace of mind knowing your professionals are working together as a fully-coordinated team.  And get it all with no fees.    

You are in control.  There's never any obligation to use any of the free services.  But why pay more and get less?  Happy and satisfied clients are more important to us than anything else.  The Triple Play home-buying experience is simply the most effective and cost-efficient anywhere.  You'll be delighted with the results and the savings.

Refinancing? 

We appreciate the opportunity to earn your business, whether you are buying a property or just refinancing your existing mortgage.  Our integrated title and mortgage service delivers the lowest market rate, often with NO LENDER FEES at closing for conforming loan programs.  

By putting your needs first, we assure you a pleasurable and cost-effective transaction.  Do you need the lowest rate?  The lowest payment?  Do you need to convert your adjustable rate loan to a fixed rate?  Do you need cash, or to consolidate debt?  Perhaps an interest-only loan is best.  You might even benefit from a "deferred interest" loan with a very low payment.  And don't worry, we have excellent pricing on programs designed for borrowers with credit issues.  Our purpose is to satisfy your needs. 

We also are your professional resource for "special circumstance" transactions such as property or divorce settlements, power-of-attorney transactions, title transfers, adding or removing a name from a loan, estates, liens, judgments and other title issues.  We make sure the details are addressed so the job is done right, all at no additional cost to you.