Washington mortgage

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Member Since 2004

When Should I lock in My Rate?

Mortgage Rates Chart

Most borrowers are looking to time the market perfectly to get rates at their lowest point, which is absolutely what we want as well. That said, locking at any point in this market is not a mistake. Saving 1/4% on your mortgage rate lock is not what is going to secure your retirement dreams. We really want to put the focus on the best long-term solution for you, which includes the correct mortgage.

REMEMBER, the most expensive part of your loan is the TERM. Just by selecting a 25 year term on a $200,000 mortgage we can save $31,000 in interest paid and not owe the $60,000 that your 30 year loan would have remaining after 25 years. All for an extra $93 per month or $28,000 over 25 years. You save $91,000 for just sending in an extra $28,000.

Example Fees on a $300,000 Loan	Saint Lawrence Mortgage	Other Companies

Origination	$0	$3,000 (1%)
Broker Fee	$1,695 FLAT FEE	$ 400
Broker Credit Report	$0	$ 25
Broker Processing Fee	$0	$ 550

Total Broker Fees	$1,695	$3,975

Flat fee will be reduced to not exceed 1% of loan amount and we never charge additional fees on seconds or combination loans.

Today's Rates

We also offer lower rates with

Zero Points and No Broker Fees!

An Upfront Mortgage Broker since 2004

Licensed Idaho and Washington Mortgage Broker