KFS Mortgage Co.

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

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

Updated on Nov. 17, 2017

Current Page:  Regular Adjustable Mortgage Rates

***Office close from 11/20/2017 to 11/24/2017***

***Office reopen on 11/27/2017***

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

-

424,100

424,101

-

636,150

636,151

-

(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
3.250 3.125 3.000 2.875 2.750 2.750 3.625 3.125 N/A
45 days lock
3.375 3.250 3.125 3.000 2.875 2.875 3.750 3.250  
No Cost (Refinance)
 10 days lock
CFICFI 3.250 3.125 3.000 3.000 4.000    
45 days lock
CFICFI 3.375 3.250 3.125 3.125 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
3.500 3.375 3.250 3.125 3.000 3.625 3.750 3.375 N/A
45 days lock
3.625 3.500 3.375 3.250 3.125 3.750 3.875 3.500  
No Cost (Refinance)
 10 days lock
CFICFI 3.625 3.500 3.375 4.125 CFI   
45 days lock
CFICFI 3.625 3.625 3.500 4.250 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 0.625 point for CASH OUT REFINANCE **

**EXTRA 1.750 POINTS FOR SUPER CONFORMING LOAN 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 0.25 point for LTV > 75%***

*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

E-mail: kfsmortgage@gmail.com


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


Forms are in Adobe Acrobat (.pdf) format