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 $179,900

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   6.25% 1.000% 6.2990%
         
         
30 Year Fixed - No Origination Fee or Points 6.625% 0.000% 6.70%
         
         
15 Year Fixed   5.75% 1.000% 5 .88%
         
         
15 Year Fixed - No Origination Fee or Points 6% 0.000% 6.11%
         
         
         
Jumbo Loans (Loans over $417,00) APR/Fee based on $450,000 loan with 20% equity.** Rate Origination* Fee APR
         
30 Year Fixed Jumbo   6.5% 0.000% 6.60%
         
         
15 Year Fixed Jumbo   6.25% 0.000% 6.38%
         
       

 

 
7 Year Fixed Jumbo   7.375% 0.000% 7.52%
         
ASK ABOUT "ZERO COST" (Rate Paid) LOANS        
 
Rates Last Updated: 07/1/08    
30 day lock expires: 08/1/08
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 $1000 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.      

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