Bob Davis

Mortgage Loan Officer

NMLS #: 251195

Fulton Mortgage Company | NMLS #: 485401
425 Main St | Chester, NJ 07930

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Historical Primary Mortgage Market Survey® data provided by Freddie Mac
Important Disclosure


Freddie Mac PMMS® data is provided "as is," with no warranties of any kind, express or implied, including, but not limited to, warranties of accuracy or implied warranties of merchantability or fitness for a particular purpose. Not all borrowers will qualify. Use of the data is at the user's sole risk. This chart is for illustrative purposes only. This is not a commitment to lend. Not all borrowers will qualify. These are the current national mortgage rates on popular loan products. Rates shown are not available in all states or to all borrowers.
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Mortgage Calculator

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This is not a commitment to lend. Not all borrowers will qualify. This is for illustrative purposes only and estimates are based on information you provided. Interest rates, mortgage insurance rates, and programs are subject to credit approval and available rates and terms will vary, sometimes drastically, based on borrower eligibility and program selected. For accurate interest rates and mortgage insurance rates please contact your mortgage consultant. For illustrative purposes FHA/VA and USDA loan amounts will include an estimate for the financed upfront MI amount.

Refinance Calculator

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This is not a commitment to lend. Not all borrowers will qualify. This is for illustrative purposes only and estimates are based on information you provided. Interest rates, mortgage insurance rates, and programs are subject to credit approval and available rates and terms will vary, sometimes drastically, based on borrower eligibility and program selected. For accurate interest rates and mortgage insurance rates please contact your mortgage consultant. For illustrative purposes FHA/VA and USDA loan amounts will include an estimate for the financed upfront MI amount.

Affordability Calculator

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This is not a commitment to lend. Not all borrowers will qualify. This is for illustrative purposes only and estimates are based on information you provided. Interest rates, mortgage insurance rates, and programs are subject to credit approval and available rates and terms will vary, sometimes drastically, based on borrower eligibility and program selected. For accurate interest rates and mortgage insurance rates please contact your mortgage consultant. For illustrative purposes FHA/VA and USDA loan amounts will include an estimate for the financed upfront MI amount.
Bob Davis

Mortgage Loan Officer

NMLS #: 251195

Fulton Mortgage Company | NMLS #: 485401
425 Main St | Chester, NJ 07930

Calculator Results

You can afford $300,000

Your Monthly Payment: $667/month
Total Loan Amount: $240,000
Estimated insurance needed:$667/month

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Rates Disclosure

Interest rates and APRs are based on current market rates, are for informational purposes only, are subject to change without notice and may be subject to pricing add-ons related to property type, loan amount, loan-to-value, credit score and other variables - call for details. This is not a credit decision or a commitment to lend.  Mortgage insurance may be required. If mortgage insurance is required, the mortgage insurance premium could increase the APR and the monthly mortgage payment. Additional loan programs may be available. APR (annual percentage rate) reflects the effective cost of your loan on a yearly basis, taking into account such items as interest, most closing costs, discount points (also referred to as "points"), and loan-origination fees. One point is 1% of the mortgage amount (e.g., $1,000 on a $100,000 loan). Your monthly payment is not based on APR, but instead on the interest rate on your Note. Adjustable Rate Mortgage (ARM) rates assume no increase in the financial index after the initial fixed period. ARM rates and monthly payments are subject to increase after the fixed period.

Rates and APRs also assume owner occupied Single family residences with an 80 loan-to-value (20% Down payment).  Discount point have varied and can be found on www.freddiemac.com.  These mortgage averages are for loans in 1st Lien Position.  The historical Freddie Mac PMMS® data is provided "as is," with no warranties of any kind, express or implied, including, but not limited to, warranties of accuracy or implied warranties of merchantability or fitness for a particular purpose. Use of the data is at the user's sole risk. In no event will the advertiser on this app or Freddie Mac be liable for any damages arising out of or related to the data, including, but not limited to direct, indirect, incidental, special, consequential, or punitive damages, whether under a contract, tort, or any other theory of liability, even if Freddie Mac is aware of the possibility of such damages.

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Rates MOVING again!! Mortgage rates have recently dropped giving borrowers a lower payment and the possibility of shortening the term of their mortgage. The Federal Reserve continues to taper the purchasing of mortgage backed securities. While the economy in the USA remains sluggish, there are data points indicating a continuing recovery at a slow pace. _________% is the rate (________ APR) you could have with a refi or purchase mortgage based on today's 15 year fixed program, 0 points. _________% is the rate (________% APR) you could have with a purchase or refinance mortgage based on today's 30 year fixed program, 45 day lock. Credit & equity values may change the rate. APR based on a 417K amount, 25% equity, 740 credit, subject to change without notice. You may qualify for a new mortgage at very low rates even if your equity position is underwater. You may also wish to shorten the term of your mortgage to a 10, 15, 20 or a 25 year loan. We cater to your financial needs. Fulton Bank of New Jersey. Our goals are to help individuals in NJ & PA when they need to purchase or refinance mortgages regarding their residential properties. We can fund owner occupied, second homes and investment-type properties. I will work with you to engineer a solution to your needs with special consideration to achieve your goals. I will provide you with all of the cost info before you commit to a formal application. In short, I believe our best client is a fully informed client. I will work with you and your realtor to provide a pre-approval service so that you have the confidence to purchase your new home and understand all of the cost items.

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DISCLAIMER

You are going to a 3rd party website and there is NO WARRANTY, expressed or implied, for the accuracy of this information or its applicability to your financial situation. Please consult your mortgage consultant.

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Bob Davis

Mortgage Loan Officer

NMLS #: 251195

Fulton Mortgage Company | NMLS #: 485401
425 Main St | Chester, NJ 07930

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