MY BEST 30-YEAR CONVENTIONAL FIXED RATE FOR TODAY, 7/03/2008:

<<<<<< 6.375% ( 6.52% APR*) >>>>>
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FHA 30-Year Fixed : add .25% for credit scores above 620, .375% for 600-619, and .875% for 580-599
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An FHA Loan Requires Only a 3% Down Payment and Has Reduced Mortgage Insurance Compared to a Conventional Loan
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*****Thinking about refinancing? Contact me anytime for a FREE mortgage analysis. We can discuss things and make sure refinancing is right for you*****
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We do Residential and Commercial Lending.
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WORRIED ABOUT YOUR CREDIT? CALL ME - I HAVE A GREAT PROGRAM WHERE YOU CAN WORK ON YOUR CREDIT YOURSELF WITHOUT PAYING A MONTHLY BILL TO A CREDIT REPAIR COMPANY! CONTACT ME FOR DETAILS...

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What people are saying about us:

"Your rate was a quarter percent below what Countrywide offered us!" - R.T., Spring, TX

"Thanks for making the process so smooth - you did a great job" - L.R., The Woodlands, TX

"We didn't even think we could buy a house but thanks to your knowledge of VA loans not only did we get it but the interest rate was amazing!" - J.M., Baytown, TX

"We feel we got a great deal. Rick explained everything as we went ." - B.A., Navasota, TX
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*figured on $150,000 loan amount, 20% down payment or equity, 720 or higher credit score, Fannie Mae 'approve/eligible' finding, purchase or rate/term refinance, above note rate is valid for all loan amounts between $100,000 and $417,000, APR will vary with loan amount, down payments from 5%-20% are good for above note rate but mortgage insurance requirement will affect APR. 100% financing, cash-out, investment property, loan amount under $100,000 or lower credit scores will affect note rate and APR