Residential Home Funding Home | About Us | Contact Us
need help?
(845) 454-6088
Homebuying Center Refinancing Center Reverse Mortgages Debt Solutions Learning Center
Loan Agents Staff Realtors
Check Loan Payments
loan amount
Rate Points APR Payment
Conforming 30 Year Fixed
4.375% 0.126 4.444% $0
Conforming FHA 30 Year Fixed
4.750% -0.882 4.733% $0
Conforming VA 30 Year Fixed
4.875% -0.882 4.858% $0
Conforming 15 Year Fixed
4.000% -0.344 4.050% $0
Custom Loan Quote
First Name
Last Name
Email
Phone
Loan Amount
Testimonials
You helped my husband and I get financing for our first home. We may have stalked you during the entire process, but never not once did you make us feel that we were overwhelming. You answered questions twice, and almost held our hands the whole way! Since then you have helped us re-finance and I don't even think to go to anyone else to ask questions about financing our home. We trust you with our financial lives!
—Andrea P..
more testimonials >
MMG Report
In The News...
This afternoon at 2:00pm ET the Federal Reserve will release its Beige Book, which is a gathering of "anecdotal information on current economic conditions" by each Federal Reserve Bank in their district.

President Obama is set to speak from Ohio...
Loan Options
  • Fixed Rate Loans—An excellent way to lock into a low interest rate for the life of your loan.

  • Adjustable Rate Mortgages (ARMs)—The flexible loan, with lower initial rates and payments.

  • Initial Fixed Rate Loan—Start with a rate generally lower than standard fixed rate loans.
30 Year Fixed Rate
Appropriate for borrowers who: Loan Parameters
•  Plan to live in the property over 10 years
•  Like total payment stability
•  Interest rate & monthly payment remain the same for 30 years


15 Year Fixed Rate
Appropriate for borrowers who: Loan Parameters
•  Plan on staying in property over 10-15 years
•  Want to pay off property faster than 30 years
•  Lower interest rate than 30 year loan
•  Interest rate & monthly payment remain the same for 15 years


10/1 Year semi-fixed
Appropriate for borrowers who: Loan Parameters
•  Plan to live in property approximately 10 to 12 years
•  Like initial payment stability; can accept interest rate change later
•  Interest rate & monthly payment fixed for the first 10 years
•  Starting the 11th year, interest rate adjusted every year, therefore, payment is subject to change every year for remainder of loan


7/23 (2-Step) or '30/7 + 23'
Appropriate for borrowers who: Loan Parameters
•  Plan to live in property approximately 7 to 8 years
•  Can handle one payment adjustment
•  Interest rate & monthly payment fixed for the first 7 years
•  Conversion option: On the 8th year, interest rate adjusted to reflect prevailing fixed interest rates. Resulting payment will remain the same for remainder of loan


7/1 Year semi-fixed rate
Appropriate for borrowers who: Loan Parameters
•  Plan to live in property approximately 7 to 8 years
•  Like initial payment stabilityand can handle change later
•  Interest rate & monthly payment fixed for the first 7 years
•  Starting the 8th year, interest rate adjusted every year, so payment is subject to change every year for remainder of the loan


5/25 (2-Step) or '30/5 + 25'
Appropriate for borrowers who: Loan Parameters
•  Plan to live in property approximately 5 to 6 years
•  Can handle one payment adjustment
•  Interest rate & monthly payment remain fixed for the first 5 years
•  Conversion option: On the 6th year, interest rate adjusted to reflect prevailing fixed interest rates. Resulting payment will remain the same for remainder of loan


5/5 & 5/1 Year semi-fixed rate
Appropriate for borrowers who: Loan Parameters
•  Plan to live in property approximately 5 to 6 years
•  Like initial payment stability, can accept later changes
•  Interest rate & monthly payment remain fixed for the first 5 years
•  Starting the 6th year, interest rate adjusted every 5 years(for 5/5 ARM) and every year (for 5/1 ARM)


3/3 & 3/1 Year semi-fixed
Appropriate for borrowers who: Loan Parameters
•  Plan to live in property 3 years or less
•  Like initial payment stability, can accept later changes
•  Interest rate & monthly payment remain fixed for the first 3 years
•  Starting 4th year, interest rate adjusted every 3 years (for 3/3 ARM) and every year (for 3/1 ARM)


Adjustable rate loans
Appropriate for borrowers who: Loan Parameters
•  Want to take advantage of lowest rate possible
•  Are willing to accept yearly payment changes OR
•  Cannot qualify at higher rate programs
•  Interest rate adjusted every year, so monthly payment is subject to change every year for entire 30 year loan term
•  Potential higher payments (at maximum interest rate)
  Residential Home Funding
1100 Route 55 Suite 201
Lagrangeville, NY 12540
Phone (845) 454-6088
Fax (845) 468-7130

State Licensing Information|Privacy|Legal|Patriot Act 		Equal Housing Lender

All content ©1999-2010 MorSystems™ All rights reserved.
Account login
 
Residential Home Funding - Site Map

Homebuying Center
Mortgage and lending information for purchase and home buying loans.
Refinance Center
Mortgage and lending information for refinance loans.
Learning Center
Mortgage, lending, and credit information.
Less Than Perfect Credit
Learn how credit scoring works and how you can improve your credit score.
Financial Calculators
Financial, mortgage and lending calculators.
Today's Rates
Mortgage Rates -
Construction Loans
Commercial loans programs and information.
Relocation Loans
Relocation loan programs and information.
Loan Agents
The best loan agents.
Staff
Our Staff Members.
Realtors
Our favorite real estate agents.
Cities we serve
lagrangeville, poughkeepsie, hopewell junction, fishkill, wappingers falls, pawling, carmel, pleasant valley, hyde park, unionvale, poughquag, millbrook, kingston, newburgh, beacon, brewster, kent, mahopac, somers, bedford hills, mount kisco, briarcliff, chappaqua, pleasantville, thornwood, newpaltz, middletown, goshen, highland, warwick, danbury, rhinebeck, redhook, nanuet, tarrytown, armonk, airmont, spring valley, rye, white plains, port chester, greenwich, new city, patterson, beekman
102 | 12

Mortgage web site design powered by MorSystems. Get your own mortgage website at MorSystems.com. Free trials for all mortgage websites.