Brentwood Mortgage Services - a Naples, Florida Mortgage Company
Brentwood Mortgage Services
A Naples Florida Mortgage Company
Stable • Reliable • Reputable • Dependable		 Brentwood Mortgage Services - a Florida Based Lender

Today's Low Florida Rates.
Call for International and all States other than Florida.
If your current mortgage company is no longer in business,
contact us immediately and we'll pick up where they left off!
Call today for information regarding REVERSE • FHA • FOREIGN NATIONAL mortgages!
July 6, 2010
9:30 AM EDT
CONFORMING*
LOAN TYPE
JUMBO*
 POINT/S
CALL*
30 Year Fixed
CALL
0
CALL*
30 Year Fixed ( 1 point )
CALL
1.000
CALL*
15 Year Fixed
CALL
0
N/A
30 Yr. Fixed-Super Conforming**
CALL*
0
N/A
15 Yr. Fixed-Super Conforming**
CALL*
0
CALL
FHA 30 Year Fixed ( 1 point )
CALL
1.000
CALL
USDA 30 Year Fixed ( 1 point )
N/A
1.000
CALL
10/1 ARM
CALL
0
CALL
7/1 ARM
CALL
0
CALL
5/1 ARM
CALL
0
N/A
5/1 ARM -Super Conforming**
CALL
0
CALL
3/1 ARM
CALL
0

MARGINS / CAPS /GENERAL PROGRAM GUIDELINES
USDA--General Guidelines
No down payment-100% financing-620 mininum FICO-
O/O Purchase only-Eligibility Areas-Income limitations.
30 Year Fixed--95%
 Requires 720 FICO... MI required..No Condo's
** NEW HIGHER "SUPER CONFORMING" LOAN LIMITS
Co./State specific..NOT system wide. $531,250 Collier County. Not available Lee County.
3/1 , 5/1,7/1 & 10/1 ARM:  720 FICO SCORE
Margins ( 2.250 --2.750 ) 60% Max Condo
Caps-2/2/5%, 5/2/5% or 6/2/6% 
FHA 30 Year Fixed--Co. Specific...quoted Collier Co, FL
Min. Loan Conf. $200,000-- Max Loan Jumbo $531,250
* 30/15 fixed conf/super-conf. rates for Purchase only.
SFR ONLY FL. (other rates available for condos & refi's).

PARAMETERS

A pre-payment penalty rate reduction option is available with all programs.
All quoted Jumbo Rates are for Primary home and purchase only !
All conf. rates are for $200,000-$417,000. PURCHASE with 740 FICO--re-fi add .125% to Rate

If loan amount is < $200,000 add .125% to rate, If < $150,000 add .25% to rate.
All Jumbo loans and Condo loans are for a max. of 70% LTV ( Jumbo Condo's 60% Max--Int.Only 55% Max).
All jumbo loans greater than 70% add .125% to the rate plus there may be additional costs.
Note: There ARE restrictive conditions on most loan products. ALL quoted loan programs require 720 FICO.
15 DAY RATE LOCK ALL ADJUSTABLE RATES---15 DAY RATE LOCK ALL FIXED RATES 
NOTE: RATES WILL NOT BE LOCKED UNTIL LOAN IS APPROVED/CLEARED TO CLOSE !
ALL QUOTED RATES ARE GREATER THAN $200,000 LOAN AMOUNT and REQUIRE 720 mid FICO score.
* Super Jumbo Rates are for loans starting at $650,000 up to $10 Million--Guidelines vary by program. Call.
APR adds approximately .125 to advertised interest rate...may vary up or down depending on program.
Call for Construction/Perm Loan Rates and Programs.


CONDITIONS

The following apply to all loan products:

Single Family (attached or detached) PUDS, primary home*, PURCHASE - All Owner Occupied.
Tax and Insurance escrows required for all loans.
Conforming Loans are up to $417,000.00 - Jumbo Loans are $417,000.01 to $650,000.00.
New Super-Conforming Loans CALL for limits. Super Jumbo Loans to 10 Million. Call.
All quoted rates are based on 30% down* and a minimum loan amount of $200,000.
*Loans over $650,000 MAY require lower loan to values than 70%.

ADD-ONS: These are points/fees only, the rate will remain the same.
Fees will apply to:

1) Second homes and Condo's (various states) on some programs
2) all types of Re-fi's require additional fees and higher rates.
3) 2 to 4 units and investment properties
4)Loans greater than $650,000 or less than $300,000
5) Stated Doc programs - VERY limited availability.
6) Non-escrow of tax and insurance impounds
7) Jumbo programs for Hi-Rise condos.


PHONE: (239) 659-1660 or (800) 330-0093
to speak with a mortgage specialist
1019 Crosspointe Drive #1 Naples, Florida 34110
HomeJumbo LoansContact Us
Reverse MortgagesLoan ProgramsForeign Nationals
International LoansCredit IssuesLoan Calculators
FHA LoansClosing CostsAPR Explained
RATES AND FEES ARE SUBJECT TO CHANGE WITHOUT NOTICE

Brentwood Mortgage Services is an Equal Housing Lender
Copyright© 1999 - The Brentwood Business Group, Inc.
"Brentwood" is a Registered Service Mark of Brentwood, Inc. and The Brentwood Business Group, Inc.
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This website is updated daily to assist you with how to figure closing costs, general credit information, current interest rates and loan availability.
Feel free to call us with any questions.