Refinance Now!!!
No Documentation and Stated income loans available. If you’ve got a pulse and good credit (Fico score over 680) you will qualify for a loan regardless what you report on your taxes. There is no additional cost or increase in interest rate for these programs. Don’t delay, take advantage the rates and programs below.

*Rates Effective 3/1/02


JUMBO Full Doc/Stated or No Doc loans - ($325,000.00 to $1,000,000.00)

No Closing Cost Loans
30 yr Fixed Rate - 6.875%
APR 6.875%
No Cost!

5 yr Fixed Rate - 6.375%
APR 6.375%
No Cost!
This is a 30 yr loan that becomes an adjustable rate loan beginning the 6th year

6 mo Adjustable Tied to Libor* - 5.25%
APR 5.25%
No Cost!

*Libor Index is at 2.56 today, Margin is 2.75% therefore the real rate is 5.31%

OR

Conforming Loans - ($180,000.00 to $275,000.00)
30 yr Fixed Rate - 6.875%
APR 6.875%
No Cost!

15 yr Fixed Rate - 6.375%
APR 6.375%
No Cost!

On a no cost loan the appraisal, credit, title, points and origination fees are all paid by the lender. The only costs paid by the borrower at closing are interest, and setting up new impound accounts.

The above rates are as of 3/01/02. All rates quoted are based on a borrower having minimum credit scores of at least 680 and no cash out other then funds to cover interest and new escrow accounts. Rates are subject to change without notice.

NO Doc/Stated Income lines of Credit - ($25,000-$250,000.00)



LOWEST RATES!!!


Conforming loans - ($189,000.00 to $275,000.00)
30 yr Fixed Rate - 6.375%
1pt APR 6.545% (Based on $200,000.00 loan)

15 yr Fixed Rate - 5.875%
1pt APR 6.195% (Based on $200,000.00 loan)

5 yr Fixed Rate - 5.625%
1pt APR 5.845% (Based on $200,000.00 loan)
This is a 30-year loan that becomes an adjustable tied to Libor beginning the 6th year

If you currently have a high interest rate loan because you had credit problems when you purchased your home call me. Many of my customers have been able to refinance into a FHA loan at today’s low interest rates.

It cost nothing to call! Can you afford not to?



Integrated Lending is an Equal Opportunity lender