Your Wells Fargo Mortgage Rate Monitor(SM) Alert

Wells Fargo Mortgage Rate Monitor(SM) Alerts

Today's Rates: July 11, 2011

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30 YEAR FIXED (CONFORMING(1) LOAN RATE)
INTEREST RATE: 4.625%
ANNUAL PERCENTAGE RATE (APR): 4.812%
MONTHLY PAYMENT: $899.75
PAYMENT TERM: 30 YEARS
LOAN AMOUNT: $175,000
EST. PREPAID FINANCE CHARGES: $3,750
DOWN PAYMENT: 25%
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15 YEAR FIXED (CONFORMING(1) LOAN RATE)
INTEREST RATE: 3.75%
ANNUAL PERCENTAGE RATE (APR): 4.069%
MONTHLY PAYMENT: $1,272.64
PAYMENT TERM: 15 YEARS
LOAN AMOUNT: $175,000
EST. PREPAID FINANCE CHARGES: $3,750
DOWN PAYMENT: 25%
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30 YEAR FIXED (FHA)
INTEREST RATE: 4.375%
ANNUAL PERCENTAGE RATE (APR): 5.385%
MONTHLY PAYMENT: $1,048.94
PAYMENT TERM: 30 YEARS
LOAN AMOUNT: $175,000
EST. PREPAID FINANCE CHARGES: $3,750
DOWN PAYMENT: 3.5%
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Be aware that mortgage rates can change without notice and apply
only in certain conditions. The APR for the loan products shown
reflects the interest rates and estimated prepaid finance charges
which include 1% of your loan amount to be paid toward the loan
origination charge, but does not include all closing costs or
discount points. The displayed rates assume that you're
purchasing a single-family primary residence with a 60-day-lock.

These mortgage rates are based upon a variety of assumptions and conditions which include a consumer credit score which may be higher or lower than your individual credit score. Your loan's interest rate will depend upon the specific characteristics of your loan transaction and your credit profile up to the time of closing.

The monthly payment amount displayed includes principal and interest only. The payment amount does not include homeowner's insurance or property taxes which must be paid in addition to your loan payment.

Conventional loans with a down payment less than 20% require mortgage insurance which could increase the monthly payment and APR.

FHA loans require both an upfront and an annual mortgage insurance premium. The upfront fee is $1,750.00. The annual premium varies based on individual credit scores, your loan-to-value ratio and the loan term. For the FHA loan, a mortgage insurance payment has been added to the monthly principal and interest payment displayed above.

(1) Conforming loan amounts for certain loan products have increased in federally designated metropolitan areas. Larger limits available in the state of Hawaii. To find out if these new loan limits can help meet your needs, contact us.
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Lower Monthly Payments Upfront

Finance your most important investment -- your home -- with flexibility designed to meet your needs. You may be able to purchase a home with a mortgage that minimizes your monthly payments in the early years of your loan.

And if you're planning to move or refinance in a few years, adjustable-rate mortgages or interest-only payments can give you added financial flexibility.

Learn more or start the application process online. You can also call us at 208-765-3004 so our home mortgage consultants can address your individual needs.

Learn More
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Start the Application Process Online
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Realize Your Financial Goals
Your home is an integral part of your financial planning. We'll
work with you to find home-financing options that meet your
needs and can help advance your long-term goals. Contact us or call 208-765-3004.
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Get Preapproved
Shop for a home with confidence. Getting preapproved can be a good move because it shows sellers you are a serious homebuyer. Get started today or call 208-765-3004.
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Coeur D'alene
Office: 208-765-3004
Fax: 208-765-3303
Contact Us: https://www.benefits-mortgage.com/affinity/contactUs.wfm?suffix=id-coeurdalenebranch-coeurdalene&dm=

2500 GOVERNMENT WAY
COEUR D ALENE, ID 83814

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