Mortgage Rates offered through Bank of Ozarks:

(rates accurate as of 9/2010. Contact a rep for updated rates).

- 30 year fixed rate mortgage (Yellville, AR) going or 4.25% APR with 20% down on loans under $417,000.

- 15 year fixed rate mortgage (Yellville, AR) going for 3.875% APR with 20% down on loans under $417,000.

Types of Home Loans offered through Ozarks Bank

There are three basic types of loans:

Conventional – Conforming and Jumbo

1) Conforming loans are secured by government sponsored entities like Fannie Mae and Freddie Mac. These companies do not lend money directly to you, but work with lenders across the country, like Bank of the Ozarks, to offer mortgage loans to meet your needs. There are limits to the amount of these loans based on national average home prices.
2) Jumbo loans are funded by private investors and are for loan amounts higher than the limits of a conforming loan. Jumbo loans usually carry a higher interest rate and some additional underwriting requirements.

Government Insured Loans

Designed to help people qualify for a home loan if they have low to moderate income and limited savings. Features include low to no down payment options; flexible income, debt and credit requirements; and down payment and closing costs that may be funded by a gift, grant or secured loan. The following federal government agencies guarantee qualified loans provided by lenders such as Bank of the Ozarks:

FHA (Federal Housing Administration) – while a good option for some, there is one caveat to this type of loan. You must pay an up-front mortgage insurance premium of 1.5 percent of the loan balance, along with a monthly mortgage insurance fee.

VA (Department of Veterans Affairs) – available to veterans, reservists and those on active-duty. A funding fee is charged for these loans:

- Three-quarters of one percent of the loan amount for refinancing from a VA loan to a VA loan.
- Two percent if you are using your VA eligibility for the first time.
- Three percent if you have had a previous VA loan.

Subprime Loans

Bank of the Ozarks does not offer this type of loan, however, it is a possible option for those with credit in need of repair. Subprime loans were developed to help higher risk borrowers obtain a mortgage if they do not qualify for a conventional, FHA or VA loan. Because of the higher risk associated with lending to borrowers that have a poor credit history, subprime loans typically require a larger down payment and a higher interest rate. These loans are one way for you to get into the home you want at today’s price. However, because of the higher interest rate, a subprime loan should be used as a short term solution – generally just two to four years. During that time, you can work to repair your credit and then refinance for a lower rate.

If you have experience in the home loan process through Bank of the Ozarks, please share by leaving a comment.

Recent Mortgage Reviews:

Charter One Mortgage Rates and Review – featuring APRs under 5% as of 9/2010.

Harris Bank Mortgage Rates and Review – featuring APRs under 5% as of 9/2010.

Here is how it works:
The first step to getting a bonus is opening an account. Make sure CHC220OL appears in the offer code section of the application.

1. Complete the online application
2. Establish Direct Deposit within 3 months and receive $100 in statement credits.
3. Pay your Bank of America credit card online from your new checking account and earn a $20 statement credit—every month.

Terms and Conditions:

- This is a special limited time offer available to existing Bank of America credit card customers whose accounts are open and in good standing who do not currently have a personal checking account.

- Limited time offer available only for accounts opened online with offer code CHC220OL.

- This offer expires 12/4/2010.

- To be eligible, you must open a new personal checking account online.

- Payments received late will not qualify.

- The $20 credit is valid for each of the first six months you have your new checking account, with a maximum payout of $120 ($20 x 6 months=$120). Qualified online payment methods include Bill Pay, Transfers (one-time or recurring) and Pay By Phone.

- Your statement credit(s) will be applied to your credit card account within 60 days after the date of each qualifying transaction, provided that both your credit card and checking accounts are open and in good standing.

- The statement credit will be applied to your existing balance with the highest APR before being applied to any balances with lower APRs.

Visit their promo page here for additional details.

Citizens Financial Group, Inc.is a $140 billion commercial bank holding company. It is headquartered in Providence, R.I., and, through its subsidiaries, has more than 1,500 branches, more than 3,500 ATMs and approximately 22,700 employees. Its two bank subsidiaries are RBS Citizens, N.A. and Citizens Bank of Pennsylvania.

Mortgage Rates offered through Citizens Bank and Charter One:

(rates accurate as of 9/2010. visit charterone.com for updated rates and info)

- 30 year fixed rate mortgage going for 4.665% APR.

- 15 year fixed rate mortgage going for 4.194% APR.

- 7/1 ARM (adjustable rate mortgage) going for 3.453% APR.

- 5/1 ARM (adjustable rate mortgage) going for 3.249% APR.

- 3/1 ARM (adjustable rate mortgage) going for 3.199% APR.

Mortgage Rate Assumptions:

Loan Size: $300,000. Down Payment: 20%. Loan Purpose: Purchase. Property Type: Single Family. Occupancy: Owner Occupied. Lock Period: 60 days. FICO Score: 740 or greater. Subordinate Financing: None.

Mortgage (Promotional) Option: “Circle Gold Mortgage Advantage” Apply for/open a Citizens Circle Gold Banking package with your Mortgage, and you’ll receive 1/8% off your mortgage rate.

Compare the rates (above) with some of the lowest mortgage rates in Rhode Island.

Recent Mortgage Reviews:

Harris Bank mortgage rates and review: featuring APRs under 5% as of 9/2010.

US Bank mortgage rates and reviews: featuring APRs under 5% as of 9/2010.

Discover Bank High Yield Savings Account

Discover Bank Money Market Account Quick Facts and Features:

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Terms and Conditions:

Assumes principal and interest remain on deposit and interest rate does not change for the selected time period.

- You may make up to six preauthorized transfers from your Online Savings Account per statement cycle, including automatic and telephone transfers.

- Annual Percentage Yield (APY). APY applies to personal accounts only. Online Savings Account rate based on a $500 minimum balance. Rate may change after account is opened. Fees could reduce earnings on the account. Advertised rate is valid as of 08/31/2010 and subject to change daily without notice.

Harris Bank is one of the largest banks in the US with almost 300 offices throughout the country and nearly $27 million in deposits.

Mortgage Rates offered through Harris Bank:

(Rates accurate as of 9/02/2010. Visit harrisbank.com for updated rates)

- 30 year fixed rate mortgage with APR of 4.674%.

- 15 year fixed rate mortgage with APR of 4.083%.

- 3 year adjustable rate mortgage with APR of 3.197% on a 30 year term.

- 5 year adjustable rate mortgage with APR of 3.213% on a 30 year term.

- 7 year adjustable rate mortgage with APR of 3.299% on a 30 year term.

- 10 year adjustable rate mortgage with APR of 3.632% on a 30 year term.

Important Disclosures:

Rates are subject to change at anytime without notice. The rates listed are the current rates for a 60-day lock in period. Your loan’s final rate could vary based on the specific characteristics of your loan transaction including, but not limited to, the region where your loan is originated, any additional loans against your property, and your credit profile up to the time of closing.

Mortgage Rate Assumptions:

Loan amount of $180,000 on a $240,000 primary residence home in Chicago, Illinois.

Recent Mortgage Reviews:

US Bank Mortgage Rates and Review: featuring APRs under 5% as of Sept 2, 2010.

Total Mortgage Services Rates and Review: featuring APRs under 5% as of August 31, 2010.

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US Bank, based out of Ohio, is one of the largest banks in the country with over 2,900 offices and $150 million (plus) in deposits. They are a publicly traded bank on the New York Stock Exchange (NYSE) under the symbol USB. They have a current market cap of almost $40 billion and were able to maintain a somewhat stable share value (relatively speaking) during the industry collapse of 2008. Their stock price currently trades in the low $20′s per share and dipped only briefly to below $10 in the Fall of 2008.

Home Loan, Refinance and Mortgage Rates offered through US Bank:

(Rates accurate as of 9/1/2010. Visit their mortgage center for updated rates and info)

- Conforming Fixed 30 Year Mortgage going for 4.564% APR.

- Conforming Fixed 20 Year Mortgage going for 4.463% APR.

- Conforming Fixed 15 Year Mortgage going for 3.985% APR.

- Conforming Fixed 10 Year Mortgage going for 3.908% APR.

- FHA Fixed 30 Year Mortgage going for 4.879% APR.

- FHA Fixed 15 Year Mortgage going for 4.565% APR.

- VA Fixed 30 Year Mortgage going for 4.846% APR.

- VA Fixed 15 Year Mortgage going for 4.594% APR.

- 5 year ARM going for 3.544% APR.

- 3 year ARM going for 3.628% APR.

- Jumbo 30 year fixed rate mortgage going for 4.903% APR.

- Jumbo 15 year fixed rate mortgage going for 4.385% APR.

Assumptions, Terms and Conditions:

Mortgage rates published on this page are the current rates for a single-family, primary residence based on a 90-day lock period and are subject to change without notice. In order to receive a guaranteed rate, you must have applied for an application through U.S. Bank and received a verbal confirmation from a loan officer that your desired rate is locked. Your guaranteed mortgage rate will depend on factors such as current market conditions, loan product, occupancy, property type and your credit profile. Minnesota residents must receive a written confirmation as required by Minnesota Statute 47.206¹.

1. This statement of current loan terms and conditions is not an offer to enter into an interest rate or discount point agreement.  Any such offer may be made only pursuant to subdivisions 3 and 4 of Minnesota Statutes Section 47.206.

Loan Product and APR Information

• Conforming rates are for loan amounts not exceeding $417,000 ($625,500 in AK and HI)
• Jumbo rates are for loan amounts exceeding $417,000 ($625,500 in AK and HI)
• Adjustable-rate loans and rates are subject to change during the loan term. That change can increase or decrease your monthly payment.
• Additional loan products, rates and lock periods are available.

Conforming Fixed, ARM
APR calculation assumes a $150,000 loan amount with a 20% down payment, estimated borrower paid finance charges of .75% of the loan amount plus discount and origination if applicable. If the down payment is less than 20%, mortgage insurance may be needed on the loan.  This could increase the monthly payment and the APR.

Jumbo Fixed
APR calculation assumes a $500,000 loan amount with a 20% down payment, estimated borrower paid finance charges of .75% of the loan amount plus discount and origination if applicable. If the down payment is less than 20%, mortgage insurance may be needed on the loan.  This could increase the monthly payment and the APR.

FHA Loans
Base loan amount assumed a 3.5% down payment. APR calculation assumes a $153,375 loan amount ($150,000 base loan amount plus $3,375 up-front mortgage insurance premium), estimated borrower paid finance charges of .75% of the loan amount, up-front mortgage insurance premium, monthly mortgage insurance, plus discount points and/or an origination fee may be charged, if applicable. The monthly principal and interest payment shown above does not include the FHA required monthly mortgage insurance payment.

VA Loans
Base loan amount assumed 100% financing. Actual loan amount assumed funding fee percentage based on veteran’s prior usage of entitlement. APR calculations assume a $154,950 loan amount ($150,000 base loan amount plus $4,950 VA Funding Fee), estimated borrower paid finance charges of .75% of the loan amount, VA Funding Fee, plus discount points and/or an origination fee may be charged, if applicable.

If you have experience in the home loan process with US Bank please share by leaving a comment!

Recent Mortgage Reviews:

Total Mortgage Services Review: Featuring APR’s below the national average (as of 8/2010).

E-Trade Mortgage Rates and Review: Featuring APR’s below 5% as of (8/2010).

“PHH Corp. of Mount Laurel, N.J. will take care of most aspects of the loan, including the processing, underwriting and servicing, while E*Trade will market the loans and help collect the necessary borrower information, E*Trade spokeswoman Pam Erickson said. ”

It also appears that E-Trade’s new mortgage center doesn’t really accommodate new home buyers as their products primarily consist of refinancing existing home loans.

Current Mortgage Rates provided by E-Trade:

(Rates as of 8/31/2010)

- 30 year fixed rate mortgage with APR of 4.419%.

- 15 year fixed rate mortgage with APR of 4.020%.

- 7 year ARM (adjustable rate mortgage) with APR of 3.396%

- 5 year ARM (adjustable rate mortgage) with APR of 3.268%.

- 7 year interest only mortgage with APR of 3.415%.

- 5 year interest only mortgage with APR of 3.270%.

5/1 ARM P&I 30yr Conf- Monthly Payment for the first 359 months will be $856.76 with a corresponding simple interest rate of 3.125%.Monthly Payment for the remaining 1 months will be $851.38 with a corresponding simple interest rate of 3.125%

10/1 ARM P&I 30yr Conf- The first 120 months will be at a payment of $926.24 with a corresponding simple interest rate of 3.75%, the next 239 months will be at a payment of $876.22 with a corresponding simple interest rate of 3.125% and the remaining 1 months will be at a payment of $874.11 with a corresponding simple interest rate of 3.125%

5/1 ARM IO(10) 30yr Conf- The first 120 months will be at a payment of $520.83 with a corresponding simple interest rate of 3.125%, the next 239 months will be at a payment of $1,121.76 with a corresponding simple interest rate of 3.125% and the remaining 1 months will be at a payment of $1,119.01 with a corresponding simple interest rate of 3.125%

10/1 ARM IO(10) 30yr Conf- The first 120 months will be at a payment of $645.83 with a corresponding simple interest rate of 3.875%, the next 239 months will be at a payment of $1,121.76 with a corresponding simple interest rate of 3.125% and the remaining 1 months will be at a payment of $1,119.01 with a corresponding simple interest rate of 3.125%

7/1 ARM P&I 30yr Conf- The first 84 months will be at a payment of $879.22 with a corresponding simple interest rate of 3.33%, the next 275 months will be at a payment of $861.19 with a corresponding simple interest rate of 3.125% and the remaining 1 months will be at a payment of $860.70 with a corresponding simple interest rate of 3.125%

7/1 ARM IO(10) 30yr Conf- The first 84 months will be at a payment of $576.67 with a corresponding simple interest rate of 3.46%, the next 36 months will be at a payment of $520.83 with a corresponding simple interest rate of 3.125%, the next 239 months will be at a payment of $1,121.76 with a corresponding simple interest rate of 3.125%, the remaining 1 months will be at a payment of $1,119.01 with a corresponding simple interest rate of 3.125%

3/1 ARM P&I 30yr Conf- The first 36 months will be at a payment of $933.06 with a corresponding simple interest rate of 3.81%, the next 323 months will be at a payment of $862.76 with a corresponding simple interest rate of 3.125% and the remaining 1 months will be at a payment of $859.07 with a corresponding simple interest rate of 3.125%

3/1 ARM IO(10) 30yr Conf- The first 36 months will be at a payment of $666.67 with a corresponding simple interest rate of 4%, the next 84 months will be at a payment of $520.83 with a corresponding simple interest rate of 3.125%, the next 239 months will be at a payment of $1,121.76 with a corresponding simple interest rate of 3.125%, the remaining 1 months will be at a payment of $1,119.01 with a corresponding simple interest rate of 3.125%

Visit Etrade’s Banking Center for more information and current rates.

Total Mortgage Services

According to Total Mortgage Services, they can offer better APRs on home loans because of their in-house underwriting, their advanced processing technology, and the sheer volume of the business they do. They claim to have access to the widest array of programs and the best possible rates available anywhere. In many states, they’re a broker and a lender, which means they have great flexibility in crafting and customizing a mortgage solution.

Current Mortgage Rates offered through Total Mortgage Services:

(Rates accurate as of 8/30/2010)

- 30 year fixed conventional mortgage advertising an APR of 4.323% with 2 points on loans under $417,000.

- 20 year fixed conventional mortgage advertising an APR of 4.273% with 2 points on loans under $417,000.

- 15 year fixed conventional mortgage advertising an APR of 3.972% with 2 points on loans under $417,000.

- 30 year fixed FHA mortgage advertising an APR of 5.178% with 2 points on loans under $417,000.

- 30 year fixed jumbo mortgage advertising an APR of 5.098% with 2 points.

- 15 year fixed jumbo mortgage advertising an APR of 4.349% with 2 points.

- 5/1 ARM conforming mortgage advertising an APR of 2.638% with 2 points on loans under $417,000.

- 5/1 ARM jumbo mortgage advertising an APR of 4.323% with 2 points.

- 1/1 ARM conforming mortgage advertising an APR of 4.078% with 0 points on loans under $417,000.

- 1/1 year ARM jumbo mortgage advertising an APR of 3.957% with 2 points on loans under $417,000.

Things to keep in mind before applying…

1. The APR can vary among mortgage lenders. The most accurate way to determine an APR is to establish the current mortgage rate, loan amount and closing costs.
2. No closing cost loans allow borrowers to include closing costs in the loan amount, preventing them from having to come up with the money all at once.
3. Mortgage rates change daily, sometimes several times throughout the day. A mortgage professional can monitor current mortgage rates for you.

For current mortgage rates visit totalmortgage.com

Total Mortgage Services Terms and Conditions:

All rates shown are for 30 day rate locks. Longer locks available. The APR for conventional loan amounts is calculated using a loan amount of $417,000, 2 points, a $495 application fee, $400 appraisal fee, $715 underwriting fee and a $16 flood certification fee. The APR for jumbo loan amounts is calculated using a loan amount of $500,000, two points, a $495 application fee, $400 appraisal fee, $715 underwriting fee and a $16 flood certification fee. The APR for FHA loan amounts is calculated using a loan amount of $295,000, two points, a $495 application fee, $450 appraisal fee, $715 underwriting fee and a $16 flood certification fee. Some rates and fees may vary by state. All interest rates listed are for qualified applicants with 720 or higher FICO and 80 LTV and are subject to mortgage approval with full documentation of income. All rates are subject to change without notice.

Contact Info:

Total Mortgage Services, LLC

326 West Main Street Milford, CT 06460

Phone: 203.876.2200

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