KFS Mortgage Co.

Suite 12 ~ 406 Main St ~ Metuchen, NJ 08840

(732) 548-8899 (Office)

                            (732) 632-7595 (cell phone)(Frank Shen)

Mortgage Banker NMLS # 266909- Licensed by the NJ Department of Banking & Insurance  

Updated Dec. 15, 2017

Current Page:  Fixed Mortgage Rate

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Click for View:  Regular ARM Rates -- Interest Only Rates

Rates subject to change without notice.

*CFI means "please call for information"*

ATTN: (1) For REFINANCE, 10 day lock only available for certain banks.

10 day lock is the issue. TIME might be not enough with risk for refinance

Even if for 45/60 days lock, we still always try to get 10 days rate & price for our customers

Based on your qualification and the availability of bank, we will fit you to a specific BANK for you

If you lock-in for 60 days, the rate will be 0.125 higher than 45 days' rate

The following rates are supposed your credit FICO score is greater than or equal to 760, otherwise the rates get worse

Fixed Rate MortgageLess
Than
100,000
100,000
-
149,999
150,000
-
199,999
200,000
-
249,999

250,000

-

299,999

300,000

-

424,100

424,101

-

636,150

636,151

-

(Jumbo)

APR

(Non-Jumbo)

APR

(Jumbo)

10 Yrs Fixed
0 Point

With Cost

(Pur /Refi)

10 days lock
3.250

3.125

3.125 3.000 3.000

3.000

3.250 CFI 3.125 N/A
45 days lock
3.250 3.250 3.125 3.125 3.125 3.125 3.250 CFI 3.250  
No Cost (Refinance)
10 days lock
CFICFI 3.625 3.500 3.375 3.250 3.500 CFI    
45 days lock
CFICFI 3.750 3.625 3.500 3.375 3.625 CFI   
No Cost (Purchase)
 10 days lock
N/AN/AN/AN/A N/A N/AN/AN/A  
45 days lock
N/AN/AN/AN/A N/A N/AN/AN/A  
15 Yrs Fixed
0 Point

With Cost

(Pur / Refi)

 10 days lock
3.250 3.125 3.125 3.125 3.125

3.000

3.250 3.875 3.125 N/A
45 days lock
3.250 3.250 3.250 3.250 3.125 3.125 3.375 4.000 3.250  
No Cost (Refinance)
 10 days lock
CFICFI 3.625 3.500 3.375 3.250 3.500 CFI   
45 days lock
CFICFI 3.750 3.625 3.500 3.375 3.625 CFI   
No Cost (Purchase)
 10 days lock
N/AN/AN/AN/A N/A N/AN/AN/A  
45 days lock
N/A N/A N/A N/A N/A N/A N/A N/A    

20 Yrs Fixed

0 Point

With Cost

(Pur /Refi)

 10 days lock
3.750 3.625 3.500 3.500 3.500 3.500 3.750 N/A 3.625 N/A
45 days lock
3.750 3.625 3.625 3.625 3.625 3.625 3.875 N/A 3.625  
No Cost (Refinance)
 10 days lock
CFI CFI 4.000 3.875 3.750 3.625 4.000 N/A    
45 days lock
CFICFI 4.125 4.000 3.875 3.750 4.000 N/A  
No Cost (Purchase)
 10 days lock
N/AN/AN/AN/A N/A N/AN/AN/A  
45 days lock
N/AN/AN/AN/A N/A N/AN/AN/A  
30 Yrs Fixed
0 Point

With Cost

(Pur /Refi)

 10 days lock
3.750 3.750 3.625 3.625 3.625 3.625 3.750 3.875 3.750 N/A
45 days lock
3.875 3.750 3.750 3.750 3.750 3.750 3.875 4.000 3.750  
No Cost (Refinance)
 10 days lock
CFICFI 4.125 4.000 3.875 3.875 4.000 4.250   
45 days lock
CFICFI 4.250 4.125 4.000 3.875 4.000 4.375   
No Cost (Purchase)
 10 days lock
N/AN/AN/AN/A N/A N/AN/AN/A  
45 days lock
N/AN/AN/AN/A N/A N/AN/AN/A  

40 Yrs Fixed
0 .000 Point

With Cost

(pur /Refi)

 10 days lock
CFI CFI CFI CFI CFI CFI N/AN/A CFI N/A
45 days lock
CFI CFI CFI CFI CFI CFI N/AN/A    
No Cost (Refinance)
 10 days lock
N/AN/A N/A CFI cfi cfi N/AN/A  
45 days lock
N/AN/A N/A CFI cfi cfi N/AN/A  
No Cost (Purchase)
 10 days lock
N/AN/AN/AN/A N/A N/AN/AN/A   
45 days lock
N/AN/AN/AN/A N/A N/AN/AN/A  
3

 

* Application Package has to be sent back to us within one week *

FAX # 732-548-8887

Email : email

OFFICE HOURS : Monday thru Friday from 10:00AM to 6:30PM ;

                                Weekend by appointment

**Extra 0.625 point for CASH OUT REFINANCE **

**For CONDO or TOWNHOUSE, if the LTV  > 75%, additional 0.75 point is required.
**For 2,3,4 family, additional 1.00 point is required.

**Extra $250 for application fee of investment property

**For investment property, max LTV is 70% , additional 2.125 point is required.

***Extra 1.000 point for LTV > 70%***

*Single family (primary residence) application fee case by case                        

Multi family (Primary residence)Extra application fee: case by case


*single family new super conforming limit as $636,150 is only effective for the following counties

Bergen,Essex,Hudson,Hunterdon,Middlesex,Monmouth,Morris,Ocean,Somerset,sussex,Union

CLICK the following buttons in order to download and printout Lock-In Form or Application Form


Forms are in Adobe Acrobat (.pdf) format

Amortization Calculator