KFS Mortgage Co.

Suite 12 ~ 406 Main St ~ Metuchen, NJ 08840 ~ (732) 548-8899

NJ Licensed Mortgage Banker   NMLS # 266909

Updated Oct. 31, 2014

 

Current Page:  Fixed Mortgage Rate

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 750, 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

-

417,000

417,001

-

625,500

625,501

-

(Jumbo)

APR

(Non-Jumbo)

APR

(Jumbo)

10 Yrs Fixed
0 Point

With Cost

(Pur /Refi)

10 days lock
3.000

3.000

3.000 2.875 2.875 2.875 3.000 CFI 3.000 N/A
45 days lock
3.125 3.125 3.000 3.000 3.000 3.000 3.000 CFI 3.125  
No Cost (Refinance)
10 days lock
CFICFI 3.375 3.250 3.125 3.000 3.250 CFI   
45 days lock
CFICFI 3.500 3.375 3.250 3.125 3.250 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
3.125 3.125 3.125 3.000 3.000

3.000

3.125 3.500 3.000 N/A
45 days lock
3.250 3.125 3.000 3.000 3.000 3.000 3.125 3.625 3.125  
No Cost (Refinance)
 10 days lock
CFICFI 3.500 3.375 3.250 3.125 3.375 4.125   
45 days lock
CFICFI 3.500 3.375 3.375 3.250 3.375 4.125   
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
3.875 3.875 3.875 3.750 3.750 3.750 3.875 N/A 3.875 N/A
45 days lock
4.000 4.000 3.875 3.875 3.750 3.750 3.875 N/A 4.000  
No Cost (Refinance)
 10 days lock
CFI CFI 4.250 4.125 4.000

3.875

4.000 N/A    
45 days lock
CFICFI 4.375 4.250 4.125 4.000 4.125 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
4.000 3.990 3.990 3.875 3.875 3.875 3.990 4.125 3.990 N/A
45 days lock
4.000 3.990 3.990 3.990 3.875 3.875 3.990 4.125 3.990  
No Cost (Refinance)
 10 days lock
CFICFI 4.250 4.125 4.125 4.000 4.125 4.375   
45 days lock
CFICFI 4.375 4.250 4.125 4.000 4.125 4.500   
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

* Please complete LOCK-IN Form and fax back to us by 5:00 PM for lock in*

* 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

**Additional 0.50 point for CASH OUT REFINANCE unless LTV is equal to or less than 60% - for conforming only**

**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 75% but additional 1.750 point is required.

***Extra 0.25 point for LTV > 75%***

*Single family application fee $500 if the gross living space is < = 3000 sqft

                                             $700 if the gross living space is => 3001 sqft and <5000sqft

                                             $825 if the gross living space is => 5001 sqft and <7000sqft

                                             $1050 if the gross living space is => 7001 sqft

(single family & multi family) Extra application fee: If Site Size >1 acre & <= 5 acres, add $100.If site size>5 acres & <= 20 acres, add $300. If site size> 20 acres, add $500


*single family new conforming limit as $625250 is only effective for the following counties

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

*Multi-family needs extra $100 for the application fee

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