Wednesday, June 17, 2009

Fix Your Jumbo Adjustable Mortgage Rate

Homeowners with jumbo adjustable rate mortgages, especially in the San Francisco and San Mateo County areas, have recently been enjoying incredibly low interest rates.

For example, many jumbo adjustable rate mortgages are tied to the One Year Treasury Bill. The rate on the One Year Treasury Bill has recently been in the .5% to 1% range. The margin added to this index for jumbo adjustable rate mortgages are usually in the 2% range to 3% range. So most of these homeowners in affluent areas like Burlingame and Hillsborough have been enjoying a rate in the 3% to 4% range.

What do you think the future direction of interest rates are? I think eventually the rates are going to increase because the government is using inflationary techniques to revive the economy. With an increase in interest rates, jumbo adjustable mortgage rates are going to increase.

As a homeowner, how do you protect yourself from these coming adjustable rate mortgage increases?

One way to protect yourself is with a new program we are offering. The program is an agreement to fix your interest rate at a given rate and term, in return for a fee.

Here is an example of how it works: suppose your fully indexed adjustable rate is 3.75%. The offer may be to fix your rate for 10 years at 4.75% (the offer is based on many different factors, most importantly, the terms of your current mortgage).

You make your 3.75% payment to your lender, and then you pay your contract partner the other 1%.

Now, suppose the rate on your adjustable rate mortgage went to 5.75%. You would make your 5.75% payment to your lender, and your contract partner would rebate you 1% to make your rate 4.75%! Clever, isn't it?

This contract is consummated without having to refinance. There are no loan to value percentage restrictions. Most importantly, there is no income verification. It is not a stated income loan - it is not even a loan, it is a contract. Residential and commercial property are eligible in all 50 states. The minimum loan amount is one million dollars.

This program and many other programs for jumbo adjustable rate mortgages can be found here.
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