Our goal is to provide the lowest rates and costs in the industry for refinancing and home purchases.

Buying Points

Buying points on your mortgage is used to buy down your mortgage rate.  So the more points that you buy, the lower your interest rate will be.

But is it really beneficial to pay more money in upfront costs to get a lower interest rate? 
The answer to this question depends on your personal financial situation and how long you plan on living in the home or having the mortgage in place.

Each point that you buy costs you one percent of your mortgage amount so buying points can add up.

For example, if you are establishing a $200,000 and you choose to buy two points, you will be paying $4,000 in points. 

The next question is how much lower will my rate be if I buy .5 point, 1 point, 1.5 points, or 2.0 points?

If you are interested in buying points to lower your rate, please call and speak to a loan officer to find out how much lower your rate will be and if it makes sense.

Loan Rates

These rates assume a 780 credit score, $200,000 loan amount and 25% equity, please contact us for other scenarios and no closing cost options.

NMLS No. 948963 | Florida Lic No. MBR1982

Rates as of February 13, 2019, 4:45 p.m. EST

Term Rates APR Points
30 Yr Fixed 4.375% 4.505% 0
20 Yr Fixed 4.250% 4.420% 0
15 Yr Fixed 3.875% 4.095% 0
10 Yr Fixed 3.750% 4.070% 0

Closing Costs

We offer a full range of closing cost options. All loan estimates are provided with several different interest rate & closing costs combinations to ensure that the goals of our clients are met. All primary residences and second home purchase and refinances, as well as many investment properties, include a "no closing costs" option.

We do not charge direct costs such as application or processing fees, which further ensures that we offer the most competitive programs available.