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August 28, 2008

30-YR FIXED RATE:

6.625% (no points) or 6.375% (1 point)

15-YR FIXED RATE:

6.370% (no points) or 6.125% (1 point)

Prime Rate: 5.00%

FHA loan Limits: La Plata County $363,790 $443,750 FHA jumbo

Offices in: Durango 970-382-0820

800-234-0141

Farmington 505-325-5557

Alamosa 719-587-2055

To Check the license status of your broker, visit Co Dept of Real Estate at: www.dora.state.co.us

**We do loans in all 50 states!**

Mortgage Bankers Association of America Consumer Information

The Mortgage Bankers Association of America is the preeminent association representing the real estate finance industry. Their consumer information site contains several tools and guides to aid in purchasing or refinancing a home.

Federal Reserve Board Consumer Information

The Federal Reserve Board maintains a web page with consumer information, including a section on home mortgages. The section covers topics such as finding the best mortgage and understanding ARMs.

Homebuyer Education by Freddie Mac

Freddie Mac is a publicly held corporation chartered by Congress to increase the supply of funds that mortgage lenders, such as commercial banks, mortgage bankers, savings institutions and credit unions, can make available to homebuyers and multifamily investors. This Freddie Mac site offers a step-by-step tutorial on the home buying decision process and the mortgage application process.

United States Postal Service Official Movers Guide

What happens after you complete the purchase process? This U.S. Postal Service site provides all kinds of tools and tips to help make the moving process easier.

Uniform Residential Loan Application (1003)

A blank mortgage application form that you can print.

Transunion

See the Credit Bureau sub-menu under the "Home" menu for address and phone number for Transunion

Equifax

See the sub-menu Credit Bureaus under the "Home" tab for the address and phone number for Equifax

Experian

See the sub-menu Credit Bureaus under the "Home" tab for the address and phone number for Experian