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Attn: Special Rates Available Until For Residents Of Virginia & Neighboring States!
 

     What Makes Peak Home Loans Different From Other Virginia Mortgage Companies?  1.)  We are a national mortgage brokerage offering wholesale rates to our clients.  2.) We are driven by the most powerful, efficient, transparent, streamlined and professional home lending network in the U.S.  3.)  We perfected our state-of-the-art mortgage services platform by streamlining our client's approval process which means less paperwork and conditions.  This guarantees everyone the best rate, great terms and the lowest down payments required regardless of credit history.  So for proper routing and banking compliance, kindly "Apply Now", or for an immediate quote and pre-approval, please click "Full Application".  At the time you select, an experienced and licensed Mortgage Loan Officer from Peak Home Loans will contact you to answer all your questions.  The entire home loan process will take place online and in the comfort of your home.  See what our wholesale mortgage brokerage can do for you versus what a bank or retail broker can't:

  Why Choose Peak Home Loans Over a Bank or Retail Broker
  1.) Wholesale Rates - Save $100's Per Month 1.) Retail Rates - Pay $100's More Per Month
  2.) 30 Day Closings - $500 Guarantee 2.) 45 to 90 Day Closings - No Guarantee
  3.) Transparent Costs - NO Junk Fees 3.) Hidden Junk Fees & Costs
  4.) 10 to 20 Loan Options From Dozens of lenders 4.) 1 or 2 Loan Options From One Lender
  5.) $1,000 Lowest Rate Guarantee 5.) Guaranteed to Pay a Higher Rate
  6.) Ask About Our FREE Appraisal Offer 6.) Pay Up to $1,000 For An Appraisal

  • Your home is your most important asset, your mortgage is your most important debt.
  • A 30-year loan is a long time, make the best deal you can now.
  • Take advantage of today's historically low interest rates before they increase.
  • Saving even a small percentage upfront can save you $10,000's over the term of your loan.
  • Get Our Quote | Get Their Quote - Choose the one that best suits your needs.

mortgage satisfaction guaranteed     We are rated A+, "Highest", by the .  That means our network of lenders will provide a fair and fast, hassle-free mortgage with easy approval for those with all credit histories.  So, get approved now!  We work around less-than-perfect credit and reward those with good credit.  Get the best deal you can, whether through us or somewhere else, but at least compare our offer.  We get done what others cannot.  And "we beat bank rates... every time".  Get Instant Online Quotes - Save Time & Money - You Have Nothing to Lose.  This is a Free, No-Obligation Service.  We Guarantee to Make Your Next Mortgage "Easy".


Today's Mortgage News Brought To You By Peak Home Loans
Tuesday, September 19, 2017 (updated daily)

Mortgage Refinance & Home Purchase Rates Remain Low And Steady In Light Of Bright Jobs Report

     Mortgage rates continued to remain low in spite of the better-than-predicted US job growth for last month.  Thirty-year US Treasury rates rose this month from 2.24% to 2.27%.  And as we know, mortgage rates usually decrease when Treasury bond rates decrease.  The housing market's recovery is continuing as far as sales, home prices and mortgage applications go.  In fact, latest reports show sales of existing homes increased 1.8% for the month of January.  Median US home prices rose 5.4% to $186,630.00 for December.  Mortgage applications rose 2.2% this week according to the Mortgage Bankers Association's (MBA).

     However, these low rates may not be around for long, volatility is always just around the corner.  Recent events put today's average 30-year fixed-rate conventional loan at 4.17%, down 2 basis point from last week.  It may be wise to lock in your rate now (rather than floating) and refinance your mortgage, or buy a new home now, thus guaranteeing against any rate increase that would cause your monthly payments to increase.

For The Week Ending Tuesday, September 19, 2017:

  • Thirty-year fixed-rate-mortgages (FRM's) averaged 4.17% with 0.4 discount and origination points for an APR of 3.46%.  That is down 2 basis point from a week ago.  At this time one week ago, the thirty-year FRM was approximately 4.19%, the first of the year, 4.20%.  Today, your average payment on a $100k mortgage would be $444.85 per month, plus fees, taxes and insurance.
  • Fifteen-year fixed-rate-mortgages (FRM's) are 3.39% for the week.  That's the down 2 basis points from a week ago, the beginning of the year the rate was 3.244%.  Your monthly payment on a $100k refinance or new mortgage over 15 years would be $677.344, not including insurance and taxes.
  • Five-year adjustable-rate-mortgages (ARM's) averaged 3.21%.  That's down 2 basis points from a week ago when they were 3.23%, the first of the year rates were 3.33%.  For example, your monthly payment on a $100,000.00 new home loan or mortgage refinance over the first 5 years would be $408.93 principal and interest only, homeowners insurance and property taxes will be added.  After 5 years your rate will almost always go up.

Home Mortgage Interest Rate Trend Prediction For The Upcoming Week:

     According to a survey of our home loan experts, for the upcoming week, Tuesday, September 19, 2017 to Monday, September 25, 2017, 19 percent believe home loan and refinance mortgage rates will rise over the next week, 12 percent think mortgage and refinance rates will fall, and 69 percent believe mortgage rates will remain relatively unchanged (+/- 2 basis points).  Survey results are provided weekly.  Please come back often to see how accurate the experts fared.  Last week, interest rates were down 2 basis points and 78 percent picked correctly.  As you can see, mortgage experts believe rates might rise this coming week, you may want to act accordingly.  Currently, we at Peak Home Loans suggest locking in your mortgage NOW before rates rise out of sight.  Better to be safe than sorry.

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