a

Our Rates

RATES UPDATED 12/18/2018 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 $679,000 .........NO DOCS.....NO KIDDING !!

NEW PRODUCTS.........INTEREST ONLY LOANS AND CONSTRUCTION TO PERMINENT LOANS NOW AVAILABLE.....CALL FOR DETAILS

6/1 ARM 3.875% (4.729% APR)

(to $1.5 Million)

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

5/1 ARM 3.75% (4.881% APR)

Rate Good for Purchase or Refi up to $2 million

7/1 ARM 3.875% (4.762% APR)

Rate Good for Purchase or Refi up to $2 million

10/1 ARM 4.25% (4.749% APR)

Rate Good for Purchase or Refi up to $2 million


15/1 ARM 4.375% (4.827% APR)

Rate Good for Purchase or Refi up to $1.5 million


15 Yr Fixed 3.99% (4.051% APR)

.Up to $484,350 Purchase or Refi

15 Yr Jumbo Fixed 4.25% (4.267% APR)

Rate good for Purchase or Refi up to $2 million

20 Yr Fixed 4.375% (4.392% APR)

Up to $484,350 Purchase or Refi

30 Yr Fixed 4.50% (4.526% APR)

Up to $484,350 Purchase or Refi

30 Yr Jumbo Fixed 4.625% (4.662% APR)

Rate Good for Purchase or Refi up to $1.5 million

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.