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 on Jan 18, 2018

Current Page:  Regular Adjustable Mortgage Rates

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Click for View:  Fixed Mortgage Rates -- Interest Only Rates

Rates subject to change without notice.

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

10 days 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

(2) The lowest rates we have are posted from different BANKS and not from same BANK.

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

*APR only for reference and not for mortgage payment*

Regular ARM Less
Than
100,000
100,000
-
149,999
150,000
-
199,999
200,000
-
299,999

300,000

-

453,100

453,101

-

679,650

679,651

-

(Jumbo)

APR

(Non-Jumbo)

APR

(Jumbo)

1 Year ARM
0 Point

With Cost

(Pur /Refi)

10 days lock
N/A

N/A

N/AN/A

N/A

N/AN/AN/AN/A
45 days lock
N/AN/AN/AN/AN/AN/AN/AN/AN/A
No Cost (Refinance)
10 days lock
N/AN/AN/AN/AN/AN/AN/A  
45 days lock
N/AN/AN/AN/AN/AN/AN/A  
No Cost (Purchase)
 10 days lock
N/AN/AN/AN/AN/AN/AN/A  
45 days lock
N/AN/AN/AN/AN/AN/AN/A  
3/1 ARM
0 Point

With Cost

(Pur /Refi)

 10 days lock
CFI CFI CFI CFI

CFI

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

5/1 ARM

0 Point

With Cost

(Pur /Refi)

 10 days lock
3.500 3.375 3.375 3.250 3.250 3.250 3.875 3.375 N/A
45 days lock
3.625 3.500 3.375 3.375 3.375 3.375 4.000 3.500  
No Cost (Refinance)
 10 days lock
CFICFI CFI CFI CFI 3.625 CFI    
45 days lock
CFICFI CFI CFI CFI CFI CFI   
No Cost (Purchase)
 10 days lock
N/AN/AN/AN/AN/AN/AN/A  
45 days lock
N/AN/AN/AN/AN/AN/AN/A  
7/1 ARM
0 Point

With Cost

(Pur /Refi)

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

10/1 ARM
0 Point

With Cost

(Pur /Refi)

 10 days lock
CFI CFI CFI CFI CFI CFI CFI CFI N/A
45 days lock
   CFI CFI CFI CFI CFI CFI CFI CFI  
No Cost (Refinance)
 10 days lock
CFICFI CFI

CFI

CFI CFI CFI   
45 days lock
CFICFI CFI CFI CFI CFI CFI   
No Cost (Purchase)
 10 days lock
N/AN/AN/AN/AN/AN/AN/A   
45 days lock
N/AN/AN/AN/AN/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)

E-mail: kfsmortgage@gmail.com


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