Loan Program Rate APR 30 year 4.375 4.709 15 year 3.875 4.468 5 year 3.125 3.277

Mortgage News Daily How Did The Employment Report Affect Mortgage Rates? - 9 hours ago Posted To: Mortgage Rate WatchIt is the first Friday of the month and that brings us the official government report on the labor market: The Employment Situation Report. This release provides four headline measures on the health of the jobs sector. Nonfarm Payrolls: totals the number of jobs that were added to or cut from employer payrolls in the prior month. Consensus Forecast: -100,000 vs. -131,000 in July (Private payrolls increased 71,000 in July and +41,000 expected today) Unemployment Rate: the percentage of working-age, mentally able-Americans who are jobless. Consensus Forecast: 9.6% of the labor force vs. 9.5% last month Average Hourly Earnings: the average amount of earnings per hour of labor performed. Consensus Forecast: +0.1% vs. +0.2% last month. Average Work Week: average amount of hours worked by an employee...(read more)Forward this article via email:  Send a copy of this story to someone you know that may want to read it. All Signs Point to Higher Rates in Week Ahead - 12 hours ago Posted To: MBS CommentaryNFP has come and gone, let's see where things stand.... The October delivery FNCL 4.0 is -0-09 at 102-15. In the chart below I called attention to a few technical inflection points. The ascending trend channel that helped mortgage rates hit new lows on Wednesday has broken down and FNCL 4.0s have made their way back into the range that moderated price action for the majority of August. The falling knife found support and bounced higher directly in the middle of that range. 10s flagged lower for the entire month of August (all summer really) and are now flagging higher. The 2.625% coupon bearing 10 year TSY note is off its session price lows (98-24) at 99-07 yielding 2.715% (+8.8bps). 10s are the worst spot on the curve followed by 7s (+8.6bps) and the long bond (+7.6bps). Volume was heavy into...(read more)Forward this article via email:  Send a copy of this story to someone you know that may want to read it. FHFA Establishes New Housing Goals for GSEs - 14 hours ago Posted To: MND NewsWireThe Federal Housing Finance Agency (FHFA), conservator of Freddie Mac and Fannie Mae (the Enterprises) has established its final housing goals for the Enterprises in 2010-2011. FHFA is required by the Housing and Economic Recovery Act of 2008 (HERA) to set such goals for targeted segments of the mortgage market The new rules establish three goals for single-family, owner-occupied home purchases; one for low-income families, another for very low-income families, and a third for families living in geographical areas with lower-income populations, areas with high concentrations of minority residents, or federal declared disaster areas. The goal for disaster areas contains a sub-goal to ensure that the needs of lower-income and minority areas are addressed. A goal has also been established for...(read more)Forward this article via email:  Send a copy of this story to someone you know that may want to read it. Banks Prefer Cash Buyers in REO Sales; Freddie Mac Streamline Refi Program; Originator Capacity Constraints; Comments on Property Flipping - 15 hours ago Posted To: Pipeline PressIf there's one thing that an investor will never let any originator off the buyback hook for, it's fraud . Not only that, but the penalties can go far beyond merely buying back the loan, and saying' "My bad." Just in the last few days, Laura-Jean Arvelo and Ronald O'Malley, a New Jersey mortgage broker and former head of the Bergen County Improvement Authority, was indicted by a federal grand jury on charges of preparing fraudulent mortgage applications. Both are charged with wire fraud, bank fraud and loan application fraud in order to take bogus documents and falsified applications to trick lenders into making mortgage loans and benefited from fees they received. Ryan Miller of Missouri was sentenced to more than 12 years in federal prison and pay $6 million in restitution for mortgage fraud...(read more)Forward this article via email:  Send a copy of this story to someone you know that may want to read it. Employment Situation Report: -54K Total Job Losses. Private Sector Adds 67k Positions. Bonds Sell - 17 hours ago Posted To: MBS CommentaryTHE EMPLOYMENT SITUATION – AUGUST 2010 – BETTER THAN EXPECTED From the Release... Nonfarm payroll employment changed little (-54,000) in August, and the unemployment rate was about unchanged at 9.6 percent, the U.S. Bureau of Labor Statistics reported today. Government employment fell, as 114,000 temporary workers hired for the decennial census completed their work. Private-sector payroll employment continued to trend up modestly (+67,000). The number of unemployed persons (14.9 million) and the unemployment rate (9.6 percent) were little changed in August. From May through August, the jobless rate remained in the range of 9.5 to 9.7 percent. The number of long-term unemployed (those jobless for 27 weeks and over) declined by 323,000 over the month to 6.2 million . In August, 42...(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.