OCEAN PACIFIC MORTGAGE

"For All Your Mortgage Needs"


Meet the Broker!

our agents

Thank you for coming and visiting Ocean Pacific Mortgage. I have over 10+ years exp. helping people get the best program and lowest rate possible. Ocean Pacific has a variety of loan programs to choose from. Feel free to call me at 509-599-1565. Thanks again!

FSBO LISTINGS

Nice Rancher!

443 N. Larri Lee Post Falls Idaho. 3bed 2 bath rancher in excellent condition. Price $140,000

see pics

Great Deal!

1264 E. Warm Springs Post Falls Idaho. 4bed 3 bath rancher with basement. Price $379,900

see pics

Lots of Land!

395 Memory lane Oldtown, Idaho. 4bed 3 bath on 5.7 acres. Price $299,900

Add your listing to Coeur d'Alenefsbo.com





Low Rates



 WE HAVE "NO COST" LOANS - ASK YOUR LOAN OFFICER


Conforming Loans (Loans under $417,000)***
APR/Fee based on $150,000 loan* with 20% equity.**		 Rate Origination* Fee APR
         
   

 

  

 
       
30 Year Fixed   4.875%% 1.000% 4.99%90%
         
         
30 Year Fixed - No Origination Fee or Points 5.375% 0.000% 5.489%
         
         
15 Year Fixed   4.50% 1.000% 4 .68%
         
         
15 Year Fixed - No Origination Fee or Points 5.25% 0.000% 5.29%
         
         
         
Jumbo Loans (Loans over $417,00) APR/Fee based on $450,000 loan with 20% equity.** Rate Origination* Fee APR
         
30 Year Fixed Jumbo   6.125% 0.000% 6.277%
         
         
15 Year Fixed Jumbo   5.875% 0.000% 6.11%
         
       

 

 
7 Year Fixed Jumbo   6.25% 0.000% 6.458%
         
ASK ABOUT "ZERO COST" (Rate Paid) LOANS        
 
Rates Last Updated: 12/05/09    
30 day lock expires: 30 days after lock
Quotes are for 30 day locks.                                             Lock desk closes at 4:30 p.m. Pacific time

*Loan fee for any loan amount under $100,001 is $1500 and no zero point loans available for loan amounts under $100,001. In addition add lender fee of .375% points for loans $40,000-74,950, add .625% points for loans $75,000-99,950 add .5% points for loans $100,000-124,950.

**Loans without tax and insurance reserves (payment of 1/12 each paid with regular monthly payment) are subject to a one-time fee of .25% of the loan amount. No fee with reserves .

*** At the end of the initial 5 or 7 year lock period the loan may be extended at the then current rate for a $250 fee if occupancy and payment record are unchanged. Special cash-out rules apply for loan to values 60-90%, call for details

3-1-2008 NEW LIMITS Conforming Loan Limits: Call 509-599-1565 for loan amounts. Depends on area.      

Apply Online Now and get a $100 credit at closing!



Close at a title company near your work or home, no need to visit the office.

Click here to apply online now
            
Click here to return to our Home page