Pittsburgh Post-Gazette from Pittsburgh, Pennsylvania on September 26, 2004 · Page 148
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Pittsburgh Post-Gazette from Pittsburgh, Pennsylvania · Page 148

Pittsburgh, Pennsylvania
Issue Date:
Sunday, September 26, 2004
Page 148
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Post-GazetteSunday,September26,2004 H-15 MORTGAGE RATES (412) 429-9000 www.omegafsi.com *APPLY ONLINE* FINANCIAL SERVICES INC. 30 YEAR FIXED APR 15 YEAR FIXED 4.5 % 4.73 % 30 YEAR FIXED 5.125 % 5.23 % APRAPR 5/1 ARM 4.375 % 4.57 % OPEN SUNDAY 11AM-5PM • 412-498-1700 “Guaranteed closing costs from the name you can TRUST!!” • Licensed by PA Dept. of Banking APR 5.64 % 5.5 % NO INCOME VERIFICATION See some rates below: www.alacarterealestate.net Licensed by PA Dept.of Banking. *RESTRICTIONS APPLY Mortgages•Real Estate•Title Insurance A DVOCATE FINANCIAL SERVICES, INC. REAL ESTATE COMPANY LA CARTE 412-561-3196 We BEA T All Written Quotes! FINANCIAL30- YEAR (APR)15- YEAR (APR)30- YEAR (APR)1- YEAR (APR)30- YEAR (APR)15- YEAR (APR) INSTITUTIONFIXEDFIXEDFHA/VAARMJUMBOJUMBOADDITIONALPROGRAMS www.post-gazette.com *Member: Mortgage Bankers Association–Southwestern Pennsylvania (email address: mbaswpa@usaor.net) The Mortgage Bankers Association of Southwestern Pennsylvania, now in its 54 TH year, is one of the six chapters of the Mortgage Bankers Association of Pennsylvania. At both the state and local level MBAmembers are comprised of Mortgage Bankers, Mortgage Brokers, Commercial Bankers, savings institutions, and other entities that collectively make up the Mortgage Banking industry. Our members, through their affiliation with agencies such as the Federal Housing Administration (FHA), Veterans Administration (VA), Federal National Mortgage Association (Fannie Mae), Federal Home Loan Mortgage Corporation (Freddie Mac) and Pennsylvania Housing Finance Agency (PHFA), provide a vast assortment of mortgage programs and engage in an endless pursuit of making home ownership affordable. Our members subscribe to a strict code of ethics and fair lending practices. Mortgage rates and programs updated daily. Visit our websites at: www.post-gazette.com and www.cnsfn.com/ppg H H OME OME MORTGAGE MORTGAGE G G UIDE UIDE Lenders, to be listed in this survey, call 1-800-CNS-8525 Information is current as of Sept.23, 2004. Rates, points, and programs change daily and cannot be guaranteed. The Pittsburgh Post-Gazette is not responsible for any errors, ommissions or misprints within this ad. Points quoted are discount fees only. Origination fees are usually one additional point, but can vary. In addition, some lenders charge application fees. Rates in parentheses are annual percentage rates, which are calculated as follows: conventional 20% down/$100,000 mortgage; jumbo 20% down/$333,700 mortgage; FHA3%–5% minimum down/$100,000 mortgage. Most quotes are for 30-day lock- ins, but can vary. Maximum loan amount for a conforming loan is $333,700. Maximum conventional loan amount is $333,700. Jumbo is a loan in excess of $333,700. Interest calculation for APRs is 30 days. ARM–adjustable rate mortgage. LTV–loan to value. NA–not available. NQ–rate not quoted. This is not an advertisement for credit as defined by paragraph 226.24 of regulation Z. To calculate your exact mortgage payments using our electronic payment calculator, and for extensive mortgage, real estate,consumer financial information, including tips and definitionsofterms, please visit our website at www.CNSfn.com Copyright 2004 Consumer News Systems. C ONSUMER N EWS S YSTEMS www.CNSfn.com/ppg Good Deeds Inc. 5.375+0/5.4054.875+0/4.926Call3.750+0/3.799*5.50+0/5.6315.0+0/5.051How much does your realtor pay you? 412-391-2800*6 mo libor5.0+0/5.051(7/1)Deedlaw .com. We use realtors to lower 4.5+0/4.631(5/1)4.625+0/4.698(5/1)closing costs and buy down your rate. 4.375+0/4.405(3/1)Find out how. Howard Hanna 5.25+0(5.436)4.75+0(5.001)5.25+0(5.448)2.75+05.625+0(5.762)5.00+0(5.127)Rates are still great! Call and ask about Financial 5.0+1/5.2844.5+1/4.899our wide range of products. 412-967-9000*269 Iron and Glass 5.500+0(5.534)5.0+0(5.058)5.750+0(5.77)5.250+0(5.283)Buying a home? Free Pre-Approval Bank and Program Analysis. 412-488-52075.375+0(5.927) 5.00+1(5.660) Irwin Bank&Trust 5.125+3(5.439)4.500+3(5.027)5.500+1(6.118)NQ5.625+3(5.932)5.000+3/5.507First-Time Buyer/Bond 30 Yr 5.000%+1/5.709 Company 5.375+1(5.508)4.750+1(5.970)5.875+1(5.995)5.250+1/5.446Conventional Loans are Available with Less than 724-863-31005.625+0(5.668)5.000+0(5.069)6.125+0(6.153)5.500+0/5.54320% Down. Call for APR. 10 yr fixed 5.000+0/5.059 stated income 5.875+0/5.922 - 30 yr. * Laurel Savings Bank 5.750+0(5.84)5.125+0(5.26)NA3.25+0/4.696.00+0/6.065.375+0/5.473/1 ARM 3.875+0/4.61 412-782-74245/1 ARM 4.25+0/4.64 APR Fixed home equtiy loans available with terms up to 15 years. Loan Web USA 5.125+0/5.3754.875+0/5.02CallCall5.75+0/5.8795.125+0/5.339Purchasing a home? You simply won’t find a 412-391-0697better deal! We will walk you thru every step 1-888-536-5677in the homebuying process. Lowest closing fees and interest rates available. *Mortgage Capital 5.250+0/5.2664.625+0/4.6524.750+0/4.5852.750+0/4.5565.625+0/5.6365.125+0/5.150Please Visit Us At: www.mtgcapital.com Associates 7/1 Conforming 800-974-4434“Put More House in Your Wallet” www.mtgcapital.com *ARM Programs$300 Homebuyer Discount *3.750+0/4.255 (3/1conf.) *4.250+0/4.355 (5/1conf.) *4.875+0/4.670 (7/1jbo) on Closing Costs. *3.750+0/4.244 (3/1jbo) *4.125+0/4.292 (5/1jbo) *5.125+0/4.900 (10/1conf.) Interest Only Loans Available. *Mortgages Plus Inc. 5.375+0(5.427)4.75+0(4.959)5.625+0(5.776)NQ5.625+0(5.708)4.875+0(5.201)New construction financing available 5% 800-360-75875.125+1(5.286)4.50+1(4.644)5.375+1.25/5.6125.375+1/5.4924.625+1(4.736)down. We have stated income programs and, 100% financing programs. National City Bank of 5.250+14.625+15.375+1Call5.625+05.125+0Additional rate/fee options available. Pennslyvania 5.375+04.750+05.500+0No PMI with only 5% down payment. 800-806-7681 Home equity and construction loans available. National Future 5.0+0(5.13)4.375+0(4.58)NQ1.95+0(4.8)5.375+0/5.484.75+0/4.96Specializing in commercial loans from Mortgage 4.5+2(4.63)3.875+2(4.04)4.875+2/4.984.25+2/4.46$100k to $250 mil. all property types. 800-291-7900Call now for residential loans as low as 1.95%. *NorthSide Bank 5.875+0(6.16)4.875+0(5.14)NQ6.125+0(6.26)5.125+0(5.35)10/1 ARM 5.375 (5.35) 412-369-68507/1 ARM 5.125 (5.12) 5/1 ARM 4.875 (4.97) 3/1 ARM 4.625 (4.89) * Northwest 5.25+1.125(5.381)4.625+1(4.83)5.250+1.125(5.358)5.5+1.125(5.597)4.875+1(5.021)New construction; owner-built; free Savings Bank 5.0+2.375(5.243)4.375+2.125(4.7525.0+2.375(5.220)5.250+2.375(5.46)4.625+2.125(4.943pre-approval, no origination fees. 724-443-61004.875+3.25(5.197)4.25+2.875(4.7424.875+3.25(5.157)5.125+3.25(4.4154.5+2.875/4.934)Land/investment property loans. 412-221-4000Jumbo * Omega Financial 5.125+0(5.23)4.5+0(4.73)5.75+0(6.0)3.0+0/3.125.375+0(5.42)4.75+0(4.92) * Interest Only Specialists!! Services* Ask About No Closing Cost Loans!! 412-429-9000 * Sun 11 to 4 pm 412-498-1700 Oxford Mortgage, 5.125+0(5.31)4.625+0(4.97)5.50+0(6.202)3.125+0/3.415.50+0(5.62)4.875+0(5.05)“0” DOWN PAYMENTREFINANCES. Inc. 24 HOUR FREE RECORDED MESSAGE 724-942-6933888-478-2794 *8603 * PAMortgage 5.250+0(5.505)4.625+0(5.502)5.375+0(6.184)3.250+0/5.3215.375+0/5.5164.750+0(4.986)Make an online application at Network www.PA-MortgageNetwork.com 412-489-1340 *Parkvale Bank 5.625+0(5.672)5.00+0(5.077)6.250+0(6.289)2.625+0(4.507)5.625+0(5.672)5.0+0(5.077)www.parkvale.com. 412-373-48565.50+1(5.638)4.875+1(5.106)5.50+1(5.638)4.875+1(5.106)1st time homebuyer 5.375(0) 5.421 5.375+2(5.605)4.75+2(5.135)5.375+2/5.6054.75+2(5.135)Loans 80/10/10 or 80/15/5 Home equity loans available. *Pennsylvania 5.375+0(5.47)4.75+0(4.53)5.5+0(5.57)5.625+0(5.71)5.00+0(5.10)Slow credit, 100% financing and construction. Preferred Mortgage 5.125+1/5.214.5+1/4.595.25+1/5.325.375+1(5.47)4.75+1(4.82)5/1 ARM 15% down, no MI. Interest Only Co., Inc. Programs. FHA3/1 ARM and FHA5/1 ARM 412-369-5363www.papreferredmortgage.com *Pittsburgh 5.375+0(5.435)4.625+0(4.878)NA5.50+0(5.523)4.875+0(5.066)Special of the week ... Financial Network 5.125+.75(5.343)4.50+.50(4.828)5.375+.50(5.535)4.75+.5(4.979)400.00 off of closing costs for purchases. 412-494-74305.00+1.5(5.412)4.375+1(4.779)5.25+1(5.454)4.625+1/4.930“At PFN we can do your loan” 866-736-3092www.pghfinancial.com Sky Bank 5.75+0(5.772)5.125+0(5.158)NA4.0+0/4.05.875+0/5.8985.25+0/5.283Over 50 products and programs to fit your 888-504-0013needs. State Farm Bank 5.875+0/5.9605.375+.375/5.4714.25+.125/5.0135.875+0/5.9685.375+.125/5.51For all product information, 877-734-2265Call 877-SF4-BANK or your local State Farm agent. * Union National 5.375+04.75+05.75+03.25+05.625+05.0+0FREE REPORT: “Purchase with no down Mortgage Co. payment” special program for PAresidents. 412-429-5877Free recorded message 24hr. Call 412-831-33301-866-311-1576 ext. 2005. * USMortgage 5.25+0(5.34)4.75+0(4.89)5.5+0(5.67)3.125+0/4.975.625+0(5.71)5.25+0(5.31)Loans with 5-10-15% down with no Network 5.0+1/5.244.5+1/4.695.5+1(5.62)5.125+1(5.23)mortgage insurance, cash out REFI 724-933-9300up to 95% LTV, new construction loans. * Washington 5.5+0(5.517)5.0+0(5.029)4.75+0/4.834(5/25)5.75+0(5.756)5.25+0(5.291)45 day lock-in. One Federal 5.0+0/5.067(7/23)closing construction loans Savings Bank available. 724-222-3120 *Wells Fargo 5.25+0(5.3500)4.75+0(5.0721)5.375+0(5.95955.75+0(5.8734)4.875+0(5.0776)WELLS FARGO - THE NATIONS #1 Home Mortgage LENDER (ACCORDING TO “INSIDE 800-535-9035MORTGAGE FINANCE”), DOING BUSINESS 412-630-8002FOR OVER 150 YEARS! 412-851-1172 Westmoreland 5.00+3(5.28)4.25+3(4.72)NQNQ5.125+3(5.40)4.375+3(4.84)10YEAR - 0 PTS - 4.64 APR Federal Savings 5.50+1(5.60)4.75+1(4.91)5.625+1(5.72)4.875+1(5.03)FOR LOAN $100,000 TO $333,700 724-539-97555.75+0(5.76)5.00+0(5.01)5.875+0(5.88)5.125+0(5.13)WE DO NOTSELLOUR LOANS! *West View 5.50+0(5.56)5.00+0(5.09)NQ3.25+0(4.89)5.875+0/5.895.375+0/5.405 yr HEL4.625 (4.71%) Savings Bank 5.25+.75(5.37)4.75+.625(4.94)3.125+1(4.97)5.75+.625/5.835.25+.625/5.3810 yr HEL5.625 (5.67%) 724-935-740015 yr HEL5.875 (5.91%) HELLOC 2.99% (2.99) 10 year fixed 4.75%/4.86 412-931-1622 A.A. Advantage Plus 5.25+0/5.324.625+0/4.69N/A3.00+0/3.075.625+0/5.69Weare committed to providing, honest service Financial at the lowest rates in the state. We have been in 717-593-9002business over 25 yrs & encourage you to check our complaint history with BBB & PALic. Agency. 1st Hometown 5.375+0/5.524.75+0/5.0NQ1.25+0/4.705.75+0/5.845.75+0/5.84 HONEST RATE QUOTES AND LOW FEES MortgageASK ABOUT LOW START RATE LOANS 877-439-2567 FREE PURCHASE PRE-QUALIFICATION. Apply at 1sthometownmortgage.com A-Advantage Mortgage 5.375+0/5.414.75+0/4.781.95+0/2.015.5+0/5.524.875+0/4.91Reputable company with honest rate Services, Inc. quotes. Stated income 15 year fixed rate 412-422-02004.75%. Stated 30 year 5.375% AAE Mortgage 5.25+0/5.294.75+0/4.795.25+0/5.291.0+0/1.115.5+0/5.574.75+0/4.78100% purchase or refi, no doc loans, Management 5.125+1/5.214.625+1/4.68free approvals! Credit problem experts. 877-793-1400M - F 8:00 - 8:30, Sat-Sun 8-4 www.mortgageresidential.com Aapex Discount 5.25+0/5.334.63+0/4.765.375+0/5.423.25+1/3.095.50+0/5.544.88+0/4.94Jumbo loan specialist. VAloans. Mortgage 5.00+1/5.174.50+.63/4.735.375+.50/5.464.75+.75/4.93Same day approvals 800-344-27394.38+2/4.815.250+1.25/5.404.63+1.38/4.89 . Absolute Mortgage 5.25+0/5.274.625+0/4.642.875+0/2.895.5+.375/5.514.875+.375/4.88Lowest Rates in the Industry! Free Float - Company, Inc. Downs! Fees are Only $399! Call Now! 888-90-HOMESAbsolute Mortgage Licensed by: PA, DE, FL, MA, RI, MI, MD, CT, MN, VADepts of Banking *Advocate Financial Open Saturday and Sunday 9-12. Services 5.125+0(5.27)4.375+0/4.62CallCallCallCallListen Saturday 9 - 10 on 104.7 FM. 412-561-3196See ad above. Allegheny Licensed by the PADept. of Banking. Mortgage Corp. 5.5+0(5.75)5.0+0(5.20)5.5+0(6.03)Call6.0+0/6.195.375+0/5.56Founded 1984. 1-800-728-3505www.allegheny-mortgage.com 412-672-8710Rates quoted do not have an org. fee Allied Home Mortgage 5.50+0/5.64.79+0(5.0)5.75+0(6.0)4.0+0/5.505.75+0(5.8)5.25+0(5.30)Fast - Free Pre-Approval Capital Corp (East) 5.0+3/5.14.25+2/4.6FHA/VA- 100% No MIP5.89% 888-339-5654One Loan 5.99 APR 724-861-5441All Counties - Western PA. *Allstate Financial Where banks compete for your business! 412-369-95005.125+0/5.254.625+0(4.84)5.500+0/5.733.250+0(7.90)5.500+0(5.61)5.000+0(5.18)State Bond 5.000% +1 pt. 10/1 ARM 5.250% Open Sunday 11AM - 5PM 412-849-0095 American Financial www.betterrates.net Mortgage Corp. 5.25+0(5.38)4.75+0(4.97)5.50+0(5.73)3.25+0(7.90)5.625+0(5.73)5.00+0(5.18)State Bond 5.875+0, 5/1 ARM 4.375+0 724-942-0700 New Construction 5.75+0. American Home 5.625+0/5.6755.250+0/5.4755.750+0/5.8903.50+0/3.8956.0+0/6.2375.375+0/5.750Option ARM 1.250% Mortgage Teacher Discounts. Fireman, Paramedic, 800-882-4687Nurse, Policeman Discounts. 100% Financing 3/5/7/10 ARMS American Union 5.375+0/5.444.5+0/4.6085.5+0/5.5265.0+0/5.044$500 rebate for online applications Mortgage www.americanunion.com 412-788-0101 Amity Home WE’LLPAYYOU $500 IF WE FAILTO Mortgage Corp. 5.00+0(5.1)4.25+0(4.3)NQ3.0+0(3.1)5.25+0(5.3)4.50+0(5.0) OFFER THE LOWEST RATE/FEES - 412-486-4700 COMPARE APR/COST. *CONDITIONS APPLY. AmTrust Rates quoted for 30-day locks. Ask Financial Services 5.625+0(5.711)5.00+0(5.142)about other low rate/low payment 724-935-7810options. Arc Financial, Inc. 100% Construction Loans 412-471-67055.375+0(5.41)4.75+0(4.85)CallCall5.75+0/5.825.250+0/5.31 Bratich Mortgage 5.25+0/5.414.75+0/4.91CallCall5.625+0/5.785.125+0/5.28Teacher purchase special! Stated income w/ Group 6% seller concessions! Commercial loan 724-933-7280special - 30 yr amortization. Low and NO cost home equity loans! Citizens Bank 5.5+0/5.584.875+0/5.015.5+0/5.522.5+0/2.655.75+0/5.775.125+0/5.18Great Construction Programs 800-258-6884Call for Construction Loans Neighborhood Plus Program Best 10/1 Program Available! Countrywide Home 5.625+0(5.81)5.0+0(5.22)5.875+0(6.42)3.625+0(3.88)5.875+0(6.02)5.375+0(5.44)We offer a wide range of products and Loans services. Our fast and easy program is the 1-800-877-LOANindustry leader. We Make It Easy. Really. *Dollar Bank Purchase Rates Quoted. 800-344-56265.500+0(5.551)4.875+0(4.924)5.750+0(6.312)3.500+0(4.800)NQNQ5/1 ARM Construction = 4.875+0/4.921 Equity Edge 100% purchase programs Funding Corp. 5.25+0(5.32)4.625+0(4.77NQCall5.50+0(5.59)5.00+0(5.09)5/1 ARM 4.25% 412-831-4776 Apply www.equityedgefunding.com *ESB Bank New Construction 80-15-5 program! - No 1-888-ESB-MORT5.50+0(5.573)5.0+0(5.122)NQNQ5.75+0(5.772)5.125+0(5.162)PMI. Apply online! www.esbbank.com 724-934-8988 Federated Mortgage 5.125+0(5.259)4.625+0/4.853NQ3.0+0(7.884)5.375+0(5.484)4.750+0/4.932Apply online Corp. 5.000+1/5.1894.500+1/4.8815.250+1/5.4504.625+1/4.961www.fedmc.com 412-390-35304.875+2/04.375+2/4.9105.125+2/5.4154.375+2/4.863877-533-2784 20 Yr Fixed 5.125% 0 Points 0 Origination Fee * Fidelity Bank 10/1 ARM 5.000% 412-367-33005.125+1(5.253)4.500+1(4.716)NA3.000+1(4.814)5.375+1(5.477)4.750+1(4.921)Construction / Perm Loans Available. 5.375+0(5.414)4.750+0(4.816)3.250+0(4.750)5.625+0(5.637)5.0+0(5.020)Call Lynda Wargo or Cheryl Giampole 412-367-3300 www.fidelitybank-pa.com * Fifth Third Bank Please call for current rate information. 412-937-1855 x 205.625+0/5.705.0+0/5.374.125+0/4.225.75+0/6.105.125+0/5.49 * First Capital First Time Homebuyers Mortgage Group 5.250+0/5.3834.750+0(4.966)5.625+0/5.7173.625+0(7.939)5.500+0(5.607)5.250+0(5.430)FHA 412-278-35005.000+1/5.2174.500+1(4.946)5.375+0/5.597No Money Down Investment Property 1-800-813-6131 *First Choice 5.375+0/5.5364.75+0/5.0195.375+0/6.3383.125+0/3.2665.625+0/5.7415.25+0/5.443Free pre-qualifications. B, C, D programs Mortgage Services 5.25+.125/5.4214.625+.625/4.995.25+.25/6.2393+.5/3.18available. Ask about 100% financing. 412-931-46005.125+1/5.3754.5+.75/4.8835.0+1.5/6.114Competitive 5/1 4.5+0/4.653 724-772-20227/1 4.875+0/5.031 First Federal Jumbo construction perm loans are Savings Bank 6.125+0(6.23)5.875+0(6.04)NQ4.50+0(4.55)5/16.125+0(6.22)5.875+0(6.01)available at the same rate as jumbo 724-258-33005.00+0(5.04)7/1purchase loans. No tax or insurance escrows required for any loans. FINANCIAL30- YEAR (APR)15- YEAR (APR)30- YEAR (APR)1- YEAR (APR)30- YEAR (APR)15- YEAR (APR) INSTITUTIONFIXEDFIXEDFHA/VAARMJUMBOJUMBOADDITIONALPROGRAMS FREE Mortgage Pre-Approvals 5 % -10 % -15 % Down with No Mortgage Insurance New Construction Loans Investment Properties with 10% Down FHA/VA Loans 100% FINANCING Cash Out REFINANCING www.usmortgagenetwork.com *Assumptions with FHA/VA: 0-3% down on 100,000 mortgage. All others are 150,000 mortgage and are based on 20% down with 0 points, and includes a 1% origination fee. Licensed by the PA Department of Banking Call 724.933.9300 Up to 95% Loan-to-Value RATEPRODUCT 5.25 % 30 Year Fixed........................................ *5.34% APR 4.625 % 15 Year Fixed......................................... *4.86% APR 5.25 % FHA/VA 30 Year Fixed...................... *5.34% APR 4.50 % 5/1 ARM.................................................. *4.73% APR 5.25 % New Construction 10/1 ARM......... *5.74% APR MORTGAGE RATES MORTGAGE RATES www.FEDMC.com Apply Online! Apply Online! 412.390.3530 Federated Mortgage Corp. Licensed by PA Dept of Banking. *Rates subject to change and certain conditions may apply. 30 YEAR FIXED 5.125% APR 5.259% 7/23 BALLOON 4.500% APR 4.629% 5/1 YEAR ARM 4.250% APR 4.317% • 100% Financing• Interest Only Financing • Construction-Perm Loans• Less Than Perfect Credit It's still not too late to refinance. Call now! Advertise YourBusiness Here. CallBeckyMurchak at412-263-3545 0926H15.011--Composite

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