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Today's Mortgage Rates

January 5, 2009
Product	Rate	APR
30 Year Fixed	4.375	4.743
30 Year Fixed, Interest Only	6.000	6.388
15 Year Fixed	4.250	4.847
5 Year ARM	4.500	5.049
5 Year Interest Only ARM	4.500	5.020

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What are Closing Costs?

Closing costs consist of three main groups: third party costs, mortgage taxes & lender fees.

Third party costs are fees that you or the lender pays on your behalf for you to obtain a mortgage, including appraisal fee, credit report fee, title fee and attorney fee. When home refinancing review these costs carefully as some lenders may have lower costs.
Mortgage taxes will be exactly the same between all lenders, so they do not have to be reviewed.
Points and lender fees are essentially what the lender charges to originate your home loan when home refinancing and for a new home loan. Points and fees should be reviewed carefully.

Live Customer Satisfaction Survey

Read what customers say about our level of service.

Posted: 12/31/08 1:10 PM
The communication has been up to date and the loan officer has been very helpful.

Posted: 12/31/08 11:42 AM
Your service representatives Mike McCarthy,and Rachel have done more than I expected so keep it up!

Posted: 12/31/08 11:02 AM
I am about half way finished with the refinancing process.
Up to this point AmeriSave's Service has been first class!

Posted: 12/31/08 10:07 AM
Service is quick - Communications are contstant

Posted: 12/31/08 9:59 AM
Progress seems timely and easily underst. . .

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Why You Should Choose Amerisave

	Upfront Mortgage Lender Certified
	Guaranteed Closing Costs in Writing
	$500 Low Rate Guarantee
	$1000 On-Time Closing Guarantee
	Underwriter Reviewed Pre-Approvals
	Save Money at Home Depot & Other Stores

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