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QuinStreet Media, Inc. and QuinStreet Properties, Inc. are Marketing Lead Generators and Duly Licensed Mortgage Brokers, as required by law, with their main office located at 950 Tower Lane, 6th Floor, Foster City, CA 94404, Telephone Number (650) 578-7700. NMLS Unique Identifier for QuinStreet Media, Inc. is #2547 and NMLS Unique Identifier for QuinStreet Properties, Inc. is #138953 (www.nmlsconsumeraccess.org). GuideToLenders.com is known as QuinStreet Media, Inc. in lieu of true name GuideToLenders.com in NY. GuideToLenders.com is known as QuinStreet Properties, Inc. in California, Vermont and Georgia. QuinStreet Media, Inc. and QuinStreet Properties, Inc. do not originate or make loans nor make any credit decisions in connection with loans. This site is directed at, and made available to, persons in the continental U.S., Alaska and Hawaii only.
"Mortgage rates are still low" claim based on monthly average mortgage rates on 30 year fixed mortgage over the last 30 years. Historical mortgage rates can be viewed here.
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* The 4.00% example loan rate for a $200,000 5-year Adjustable-Rate Mortgage (ARM) for purchase and refinance loans amortized over 30 years has a monthly payment of $1910 plus monthly taxes and insurance with 2 points ($4,000) and fees due at closing. The Annual Percentage Rate (APR) is 4.00%.
* The 4.00% example loan rate for a $300,000 5-year Adjustable-Rate Mortgage (ARM) for purchase and refinance loans amortized over 30 years has a monthly payment of $2811 plus monthly taxes and insurance with 2 points ($4,022) and fees due at closing. The Annual Percentage Rate (APR) is 3.25%.
* The 4.00% example loan rate for a $400,000 5-year Adjustable-Rate Mortgage (ARM) for purchase and refinance loans amortized over 30 years has a monthly payment of $1968 plus monthly taxes and insurance with 2 points ($4,555) and fees due at closing. The Annual Percentage Rate (APR) is 4.25%.
Example loan rates are generally based on the following criteria: a borrower with good to excellent credit and average income seeking a loan for a single family, owner occupied one unit dwelling with 30% down payment (or 70% loan to value ratio). Rates and APR and other terms may vary from those displayed based on the creditworthiness of the borrower requesting the funding, the type of dwelling, whether the borrower is self-employed, the location of the property for the loan and other factors. The rates and terms you are offered are the responsibility of the mortgage lender and will vary based upon your home loan request as determined by the lenders with whom you are matched. There is a possibility that you may not be matched with the lender making the example offers. Not available in all states. Advertised new home loan and refinance rates are subject to change. These example mortgage rates were last updated on NOVEMBER 13th, 2019 and include 2 points for the rate calculator. Important Facts about Adjustable Rate Mortgage Loans. Whether you are buying a house or refinancing your mortgage, this information can help you decide if an ARM is right for you. ARMs can be complicated. If you do not understand how they work, you should not sign any loan contracts, and you might want to consider other loans. With an ARM, the interest rate on your loan is not fixed. Instead, it changes over time according to a formula - typically, a base interest rate (index) plus a certain percent (margin) (for example, Libor plus 3 percent). So, if the base interest rate increases, your interest rate and monthly payments will also increase. Please see the lenders' websites for the specific disclosures related to loans offered by our lenders.