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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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VA Mortgage Loans

VA home loans are guaranteed by the U.S. Department of Veteran Affairs (VA) to eligible veterans for the purchase, rate & term refinance or cash out refinance of a primary residence.

Benefits of VA loans include:

Common sense underwriting guidelines (with respect to credit, debt to income ratios, etc.)
Little or no down payment
Competitive mortgage rates
No monthly mortgage insurance premium

VA Home Loan Guaranty Services also provides counseling and assistance to veteran borrowers having financial difficulties or facing default.

Even though a mortgage insurance premium is not required, borrowers are charged a small funding fee for VA mortgages, which guarantees the loan. The fee may be paid in cash by the buyer or seller, or it may be financed and included in the loan amount.

A VA mortgage can be used to buy a home, build or even improve a home with energy-saving features such as solar or heating & cooling systems, water heaters, insulation, weather- stripping & caulking, storm windows & doors or other energy efficient improvements approved by VA.

A satisfactory Certificate of Eligibility from VA must be presented to be eligible for the loan program.

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. . .

Links

FHA Mortgages	Reverse Mortgages
VA Mortgages	Fixed Rate Mortgages
USDA Mortgages	Mortgage Loans
Refinance	Mortgage Rates
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