| Mortgage Rates |
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| NOTE: Early Sunrise Realty supports Equal Opportunity Lenders and endorses no institution above any other. Rates are deemed reliable as of the above date, but may change daily. Please call for updated information: 585-638-0020. |
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Click here to
calculate the monthly Principle and Interest payments on any loan for
which you know the Principle Amount, the Term and the Rate.
|
NA–not available. NQ–rate not quoted. All rates are deemed reliable as of the above date but are subject to change; please call Early Sunrise Realty LLC for daily updates: 585-638-0020. Underwriting guidelines, criteria and fees may freely change from the above. In each loan category, the first of the points that are listed correspond with the high rate; the second points with the low rate. Conventional conforming loan limit is $252,700.Lenders: to be listed in this column, call 716-544-3439.
| Institution | 30-Year Fixed High/Low+Points |
15-Year Fixed High/Low+Points |
1-Year ARM High/Low+Points |
Additional Programs | |||
| Banks | |||||||
| Charter One Bank, NA 585-423-7200 |
6.25 5.50 |
0.00 3.00 |
5.625 4.875 |
0.00 3.00 |
4.50 3.00 |
0.00 3.00 |
5% down no PMI option available; call
for details. One-close new construction loan/mortgage. Loan officer on duty Sat. 9am–noon, 423-7205. |
| Fairport Savings Bank 585-223-7043 |
6.25 5.75 |
0.00 3.50 |
5.625 5.125 |
0.00 2.50 |
4.25 |
0.00 |
Ask about our reduced closing costs for
10 and 15 year mortgages. Low introductory rate of 1.99% offered on home equity lines of credit. Local decision - making. |
| Fleet Bank, 585-546-9650 |
6.375 |
0.00 |
5.71 |
0.00 |
4.50 |
0.00 |
Ask about Fleet’s “No Closing
Cost” Refinance Option. 546-9650 Ans. Service 7 days per week. |
| JPMorgan Chase Bank 585-241-6900 |
6.250 5.750 |
0.00 2.250 |
5.625 4.875 |
0.00 3.00 |
5.125 4.500 |
0.00 1.125 |
Pre-approval, FHA/VA loans. No closing
cost home equity lines/loans. 103% LTV mortgages. No income/assets verification product offered. |
| Credit Unions | |||||||
| Advantage Federal CU 585-454-5900 |
6.25 5.75 |
0.00 2.00 |
5.625 5.125 |
0.00 2.00 |
4.375 4.125 |
0.00 1.00 |
Home equity line of credit 1.25% for 6
months, prime -.25% for life. Home equity loan 3.74% variable, 6.7% fixed. Home Improvement 7.7% |
| ESL Federal CU 585-336-1515 |
6.250 5.625 |
0.00 3.00 |
5.625 5.000 |
0.00 3.00 |
4.625 3.625 |
0.00 2.00 |
An ESL Home Equity Line of Credit gets
you cash for Everything you want from A to Z. You also get our lowest rates ever. Call 336-1000. |
| Family 1st of NY FCU 585-586-8225 |
6.250 5.98 |
0.00 2.50 |
5.625 5.47 |
0.00 2.25 |
4.125 |
0.00 |
Home Equity Line of Credit Special Rate:
1.49% APR for first 6 mos, then Prime + 0%. Limitedtime offer! Call 586-8225 for more info. Other home equity & home improvement products are alsoavail. |
| Pittsford Federal CU 585-381-3885 |
6.25 5.50 |
0.00 3.875 |
5.625 4.75 |
0.00 3.625 |
2.75 |
0.00 |
Home Equity Loc - 1.49% for 7 months,
then Prime - .25% for loans $25,000 and greater, up to 90% LTV, with no closing costs up to $50,000. |
| The Summit FCU 585-453-7010 |
6.25 5.75 |
0.00 2.125 |
5.50 5.00 |
0.00 2.375 |
4.75 4.125 |
0.00 0.00 |
Home equity line of credit as low as
1.49% for the first six months. Then prime minus (-.30) for the life of the loan. No closing costs. |
| Xerox Federal CU 585-787-3423 or 3410 |
6.38 6.00 |
0.00 1.50 |
5.75 5.38 |
0.00 1.50 |
4.50 |
0.00 |
Home Equity Line rates currently start
at 3.75%. Loans start at 5.50%. Mortgages have convenient re-lock options if rates go down. |
| Mortgage Bankers | |||||||
| CNB Mortgage 585-385-2370 |
6.25 6.00 |
0.00 1.00 |
5.62 5.37 |
0.00 1.00 |
Local originations, underwriting and
closings! Ask about 90% LTV with no escrows required. |
||
| Devere Capital Corp. 585-263-3370 |
6.25 |
0.00 |
5.75 |
0.00 |
3.375 |
0.00 |
Ask about our low rate guarantee!* Some restricitons apply. 585-263-3370. 20 Years of Excellence. |
| Home
Funding Finders, Inc. 585-899-5554 |
6.125 |
0.00 |
5.625 |
0.00 |
3.375 |
0.00 |
10 yr fixed @ 5.125% w/one Free
pre-approvals. Give Anne a call and we’ll get you moving! We have all the products for your home funding. |
| HSBC Mortgage Corp. 800-537-8705 |
6.250 5.750 |
0.00 2.750 |
5.625 5.250 |
0.00 1.250 |
5.375 4.500 |
0(5/1Libor) 2.625 |
We’ve blown the roof off Home Equity
lending! Call today at 800-537-8705, to find out how you can get our special rate. |
| Mortgage IT 585-899-8032 |
5.625 5.75 |
0.50* 0.00 |
5.50 5.25 |
0.00 1.00 |
4.00 |
1.00 |
100 % financing30 year fixed, no
mortgage insurance, 6.75%+0. *30 year rate may have income limits. For rate quote 24/7 call Jonathan @ 576-0130. |
| M&T Mortgage Corp. 585-258-8355 |
6.125 |
1.75 |
5.625 |
1.25 |
4.875 |
0.00 |
CALL FOR MORTGAGE INFO ON MODULAR HOME CONSTRUCTION FINANCING. |
| Nothnagle
Home Securities 585-461-4110 |
6.375 5.625 |
0.00 4.00 |
5.75 4.875 |
0.00 4.00 |
4.125 3.875 |
0.00 1.00 |
Lowest closing costs. No hidden fees.
find out more about our programs at www.snapmortgage.com |
| Premium Mortgage Corp. 585-241-0000 |
6.125 5.875 |
0.00 1.00 |
5.50 5.25 |
0.00 1.00 |
4.75 |
1.00 |
Call Phyllis Haberer at 241-0000, ext
103 about the FLEX ARM at 4.25%. |
| Rochester Home Equity 585-263-4353 |
5.875 4.625 |
0.00 8.00 |
5.25 3.75 |
0.00 9.00 |
4.00 2.375 |
0.00 3.00 |
ARM PROGRAMS AVAILABLE: 3/1 - 4.50; 5/1
- 5.0; 7/1 - 5.375. LOWEST CLOSING COSTS. |
| Wells Fargo Home Mtg. Banker 800-246-2358 |
6.25 5.75 |
0.00 2.00 |
5.75 5.25 |
0.00 2.00 |
Call America’s oldest & most
trusted lender. Rates are for 125k-333k. 30 yr FHA 6.5% for 100K+. All Rate Locks for 60 Days. No income verif loans available. |
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| Mortgage Brokers | |||||||
| First Rochester Mortgage 585-427-9200 |
5.750 5.250 |
0.00 2.375 |
5.750 5.125 |
0.00 2.375 |
4.375 |
0.25 |
Income Limits apply to 30 Yr. Rate. NEW
One Close Construction Loan! Problem Credit ok. Nights and weekends call 585-261-3810. www.firstrochestermortgage.com |
| Greater Rochester Mortgage 585-723-2700 or 800-838-7570 |
5.750 5.250 |
0.00 2.375 |
5.500 4.625 |
0.00 4.00 |
4.375 |
0.00 |
(5.75%1 pts.150-400K 30 yr fixed.) Same
day approvals on many programs. Loan size & income may affect pricing. Call AL 747-0987 or Juanita 503-2873 24/7. www.greaterrochestermortgage.com |
| Preferred Mortgage Corp. of New York 585-288-2930 |
5.75 |
0.00 |
5.625 |
0.00 |
Income Limits Apply, Locally Owned and
Operated. Financing for Florida properties available. |
||
| Prime Mortgage Corp. 585-383-8390 |
6.25 |
0.00 |
5.625 |
0.00 |
3.125 |
0.00 |
FHA, VA, SONYMA, jumbo, &
construction available. 5.75+0 pts available / income limits for 30 yrs. www.primemortgageny.com |
| Riverview Mortgage Corp. 585-321-0020 |
5.75 |
0.00* |
5.50 |
0.00 |
Programs for all credit. Free
prequalification. 10 year 5.5%. 507-5787 after hours. *Income Limits Apply |
||
| Rochester Area Mortgage Services 585-385-4400 |
6.125 5.75 |
0.00 2.00 |
5.75 5.25 |
0.00 2.00 |
4.375 3.875 |
0.00 1.25 |
www.ramsinc.com FHA, VA, SONYMA, Best
Jumbo Rates. Lowest closing costs. 20 YR 6.00, 10 YR 5.50, ARMS: 3/1 4.50, 5./1 5.375, 7/1 5.875 |
| Uni-Source Funding 585-670-0400 |
6.00 5.375 |
0.00 3.00 |
5.75 4.875 |
0.00 4.00 |
3.95 |
0.00 |
30 YR rate restrictions apply. 1st time
homebuyer programs. 100% and No PMI Loans, new construction and No Doc loans |
| Lenders, to be listed in this column, call 1-800-CNS-8525. NA–not available. NQ–rate not quoted. All rates current however rates are subject to change & many have different non-customer rates. Many lenders charge application fees. Rates, points, and programs cannot be guaranteed after the effective date. In each loan category, the first of the points that are listed correspond with the high rate; the second points with the low rate. Conventional conforming loan limit is $333,700. Extensive mortgage, real estate, and consumer financial information, including tips and definitions of terms |