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Our Rates

RATES UPDATED 5/24/2018 OUR RATES ARE LOWER THAN MOST LOCAL BANKS, BIG AND SMALL!

80/10/10 MORTGAGE PRODUCTS AVAILABLE....GIVE US A CALL

SPECIAL MORTGAGE PRODUCTS FOR DIVORCED INDIVIDUALS PAYING 40% +/- OF GROSS PAY IN ALLIMONY, AND HAVING DIFFICULTY QUALIFYING FOR A MORTGAGE

WE CAN NOW PROCESS PAPERLESS MORTGAGES FOR LOAN AMOUNTS UP TO $601,450 .........NO DOCS.....NO KIDDING !!

6/1 ARM 3.375% (4.354% APR)

(to $1.5 Million)

PURCHASE, REFINANCE, RATE AND TERM, OR CASH OUT TO 80% LTV

5/1 ARM 3.375% (4.451% APR)

Rate Good for Purchase or Refi up to $2 million

7/1 ARM 3.875% (4.496% APR)

Rate Good for Purchase or Refi up to $2 million

10/1 ARM 4.125% (4.481% APR)

Rate Good for Purchase or Refi up to $2 million


15/1 ARM 4.375% (4.635% APR)

Rate Good for Purchase or Refi up to $2 million


15 Yr Fixed 4.00% (4.069% APR)

.Up to $453,100 Purchase or Refi

15 Yr Jumbo Fixed 4.125% (4.142% APR)

Rate good for Purchase or Refi up to $2 million

20 Yr Fixed 4.375% (4.408% APR)

Up to $453,100 Purchase or Refi

30 Yr Fixed 4.50% (4.524% APR)

Up to $453,100 Purchase or Refi

30 Yr Jumbo Fixed 4.625% (4.678% APR)

Rate Good for Purchase or Refi

Please keep PFS,INC. in mind if you know of anyone looking for a great mortgage, purchase or refinance. Frank OBrien can be reached at fobrien@pfsmortgage.com or W 203-452-3590 or Cell 203-260-8897. From all of us at PFS, Inc. we thank you for your business, and continued support.

PROGRAMS AVAILABLE WITH NO CLOSING COSTS
LICENSED IN CONNECTICUT AND NEW YORK

**RATES SUBJECT TO CHANGE
**SOME RESTRICTIONS MAY APPLY
**OTHER MORTGAGE PROGRAMS AVAILABLE

Standard deduction: The new law increases the standard deduction to $12,000 for single filers and $24,000 for joint filers. For many homeowners it no longer makes sense to itemize deductions.

Mortgage interest deductions: The new law caps the limit on deductible mortgage debt at $750,000 for loans taken out after Dec. 14. (Loans made before that date can continue to deduct interest on mortgage debt up to $1 million.) Homeowners can refinance mortgage debts that existed before Dec. 14 up to $1 million and still deduct the interest as long as the new loan does not exceed the amount refinanced. The interest on a home-equity loan can be deducted as long as the proceeds are used to substantially improve the home. Mortgage interest on second homes can be deducted but is subject to the $750,000 limit.