Interest rates can fluctuate many times during each day that the financial markets are open, even 2 to 3 times a day. Mortgage interest rates are inversely related to the Bond Market, if the Bond Market is going up, that tells us that rates are going down. If the bond market is down, that means the rates are going up. Mortgage Lenders watch the Bond Market because it is a good indicator of what mortgage rates will do. The stock market and the bond market have been linked to each other for the past several years. Often times, when the Stock Market has an "off day, the Bond Market does too - although this is not always the case. The general rule of thumb is good news for the economy means bad news for interest rates. To get the most current interest rates, please contact Audra DeFazio toll free at 877-848-9865, extension 389.

If you are calling mortgage companies and asking “What is your rate?”, the vast majority of mortgage companies are going to quote you the lowest possible rate to get your business BUT are they going to deliver that rate at closing. To entice customers into making an application, many mortgage companies will immediately quote an extremely low rate that is achievable only in a very limited circumstance and/or compensated for by unusually high or unnecessary fees, only to disappoint the borrower when they are ultimately unable to deliver this quoted rate. That is why your credit union or organization partnered with us to educate their borrowers on different options and programs and to make sure you are dealing with a reputable company who offers competitive rates. There are many variables that go into quoting rates and by asking the proper questions and discussing your situation with your dedicated account manager, you will see that you may be short changing yourself by not even shopping in the correct program and reaping the lowest monthly payment for your situation.

We believe in building trust by offering the highest level of customer service and competitive rates. Your dedicated account manager will talk to you about your needs and your financial situation to find out the best rate you qualify for. And our commitment to you does not end there. We’ll be with you every step of the way to ensure that you not only get the best possible rate, but that you have a partner to talk to whenever any financial need or question should arise.

To get the most current interest rates and discuss the loan programs, please contact Audra DeFazio toll free at 877-848-9865, extension 389.