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 Jan 18, 2018

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 Mortgage 50,000
-
100,000
100,000
-
149,999
150,000
-
199,999
200,000
-
249,999

250,000

-

299,999

300,000

-

453,100

453,101

-

679,650

679,651

-

(Jumbo)

APR

(Non-Jumbo)

APR

(Jumbo)

10 Yrs Fixed
0 Point

With Cost

(Pur /Refi)

10 days lock
3.500

3.375

3.250 3.250 3.250

3.250

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

3.250

3.375 4.125 3.375 N/A
45 days lock
3.500 3.500 3.375 3.375 3.375 3.375 3.500 4.250 3.500  
No Cost (Refinance)
 10 days lock
CFICFI 3.875 3.750 3.625 3.500 3.750 CFI   
45 days lock
CFICFI 4.000 3.875 3.750 3.625 3.875 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
3.875 3.750 3.750 3.750 3.750 3.750 3.750 N/A 3.750 N/A
45 days lock
3.875 3.750 3.750 3.750 3.750 3.750 3.750 N/A 3.750  
No Cost (Refinance)
 10 days lock
CFI CFI 4.250 4.125 4.000 3.875 4.000 N/A    
45 days lock
CFICFI 4.250 4.125 4.000 3.875 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
3.875 3.875 3.875 3.875 3.875 3.875 4.000 4.250 3.875 N/A
45 days lock
4.000 4.000 3.875 3.875 3.875 3.875 4.000 4.250 4.000  
No Cost (Refinance)
 10 days lock
CFICFI 4.375 4.250 4.125 4.000 4.250 4.500   
45 days lock
CFICFI 4.375 4.250 4.125 4.125 4.250 4.625   
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  

 

* 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 point (quote)for CASH OUT REFINANCE **

**For CONDO or TOWNHOUSE, if the LTV  > 75%, extra point (quote) is required.
**For 2,3,4 family, extra point (quote) is required.

**Extra $250 for application fee of investment property

**For investment property, purchase max LTV 80%, refinance cash out / no cash out max LTV 75% , extra points (quote) are required.

for 2 units, 3 units, 4 units (quote)


Standard Conforming Max Loan Amounts

1 unit    $453,100.    2 units    $580,150.    3 units    $701,250.    4 units   $871,450

Super Conforming Max Loan Amounts

    1 unit    $679,650.    2 units    $870,225.   3 units    $1,051,875.   4 units   1,307,175  

*super conforming limit is only effective for the following counties in New Jersey

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