There are over 50 factors that, when combined, determine the interest rate you'll receive.  The following are just a few of the factors taken into account to determine your interest rate:

Program type (Fixed, fixed/Adjustable or Adjustable)

Credit Scores

Size of the loan

Property Value

Loan to Value (the loan amount divided by the property value)

Level of Income Documentation

Level of Asset Documentation

Property Type

Impounded Taxes & Insurance or Not

Amount Cash Out on a Refinance Transaction

Mortgage lenders who quote you mortgage pricing without asking your situation and what you're hoping to accomplish are quoting you pricing that may not be available to you; in fact, they may be quoting you unavailable mortgage pricing just to get your business!  Mortgage pricing changes on a daily basis; sometimes, 2 or 3 times in a day!  For the most complete, up-to-date mortgage pricing, and to see what you can qualify for, please contact me directly for a preliminary introduction and pricing quote.  I may be contacted by the following methods:

Telephone:       (206) 295-4920 (Direct)

Fax:      (425) 885-7249

Postal Address (Snail Mail):        Towne Mortgage        7975 Leary Way        Redmond, WA  98052

Electronic mail:          johnb@NorthwestMortgageSolutions.com.  Please        include your name and phone number!