Most recently updated companies appear first.

Some lenders may offer discounts to mortgage guide customers so please be sure to let the lenders know that you saw their rates on this newspaper's mortgage guide website.

COMPANY NAME

LOAN TYPE
RATE/PTS
APR/LOCK

LOAN TYPE
RATE/PTS
APR/LOCK

LOAN TYPE
RATE/PTS
APR/LOCK

American Bank Mortgage Group
800-364-3998

Updated:05/16/08

30-yr Fixed
5.6250.000
5.71630

15-yr Fixed
5.2500.000
5.40230

3/1 ARM
5.0000.000
7.17230

5/1 ARM Jmb/Conf
5.0000.000
6.93730

FHA 30-yr Fxd
5.7501.000
6.78030

7/1 ARM
5.5000.000
6.90030

Call for Stated Income/Asset ; 100% financing
FHA with Credit Issues OK
Commercial and New Construction Loans available
Rates for new applications only!
3747 Church Rd., Mt. Lauren, NJ

American Enterprise Bank of FL
877-247-7106

Updated:05/16/08

30-yr Fixed
5.8750.000
6.02330

15-yr Fixed
5.5000.000
5.66230

3/1 ARM Jumbo
5.7501.000
5.56330

3/1 ARM
4.6251.000
5.06430

FHA/VA 30-yr Fxd
6.2500.000
6.27530


5 Star Lender as rated by consumers. FDIC Insured

4168 Southpoint Pkwy., #301, Jacksonville, FL
Fees=click here

E & G Financial Services
201-924-1959

Updated:05/16/08

7/1 ARM Jmb/Conf
5.5000.000
4.96090

7/1 I/O Jm/Con Arm
5.7500.000
5.54090

5/1 Jmb/Conf Arm
5.3750.000
4.57690

5/1 I/O Jm/Cnf Arm
5.5000.000
5.35060



www.egfinancial.bestrates.com
Open Evenings & Weekends
Free float downs NJ Dept. of Banking
1200 Route 46 West, Parsippany, NJ
Fees=click here

1st Constitution Bank
888-519-7677

Updated:05/16/08

15-yr Fixed
5.5000.000
5.61030

20-yr Fixed
5.7500.000
5.82030

30-yr Fixed
6.0000.000
6.19030

30-yr Fxd Jumbo
6.1250.000
6.21030

7/1 ARM
5.3750.500
5.69060

10/1 ARM
5.7500.500
5.89060

Reverse Mortgages available, call for details
Special HELOC starting 5.99%
2650 Route 130, Cranbury, NJ
Fees=click here

Freedom Mortgage
800-605-4709

Updated:05/16/08

30-yr Fixed
5.3752.000
5.54030

15-yr Fixed
4.8752.000
5.17030

5/1 Jumbo I-Only
5.7500.000
5.79030

30-yr Fixed I-Only
5.8751.000
5.96730

30-yr Fxd Jumbo
5.8751.000
5.96030

FHA 30-yr Fxd
5.6250.000
5.69730

WHY NOT DEAL WITH A DIRECT LENDER?

LOWER RATES FOR CLIENTS WITH 740+ SCORES!
FREE LOCK FLOAT DOWN BEFORE CLOSING!
LIFE TIME NO COST REFI AFTER CLOSING!
LOANS APPROVED W/ CREDIT SCORES AS LOW AS 525!
lowrates@fmbranch.com
115 Route 23 North, Hamburg, NJ
Fees=click here

NE Community Lending
800-993-1968

Updated:05/16/08

30-yr Fixed
5.7500.000
5.79030

15-yr Fixed
5.3750.000
5.44030

5/1 ARM
5.2500.000
5.29030

30-yr Fixed
5.6250.250
5.70030



This Federally Chartered Bank is Committed to Deep
Discounts. Call This Local Division For Superb
Service.Close at Home.True No Cost Closing Avail!
726 Rt. 202 South, Bridgewater, NJ
Fees=click here

Black River Mortgage Co., Inc.
877-276-2656

Updated:05/16/08

30-yr Fixed
5.8750.000
5.99930

15-yr Fixed
5.3750.000
5.56030

15-yr Fxd Jumbo
5.8750.000
5.94060

5/1 ARM
5.5000.000
5.58860

7/1 ARM
6.0000.000
6.07660

30-yr Fxd Jumbo
6.0000.500
6.09030

Rate Float Down; NJ, PA, FL; HELOC; Prequal-Free
New Jersey, Pennsylvania & Florida-licensed
Home Equity Lines of Credit
Prequalification at No Cost
Application taken in your home/ Real Estate Office
Note: All loan rate quotes are based on 20% equity
All borrowers must qualify based on guidelines.
31 Fairmont Ave., Chester, NJ

First Advantage Mortgage Services, LLC
800-410-5656

Updated:05/16/08

30-yr Fixed
5.8750.000
5.90130

5/1 ARM
5.2500.000
4.88530

15-yr Fixed
5.5000.000
5.57830

30-yr Fxd Jumbo
6.2500.000
6.29030

10/1 ARM Jumbo
5.7500.000
5.32530


No Income Verification Loans
Fixed and Adjustable Interest Only Loans
Mention this ad receive $100.00 rebate @ closing
No cost refinance available
Reverse Mortgages Available
76 Park Avenue, Flemington, NJ
Fees=click here

PNC Mortgage, LLC
856-464-1394

Updated:05/16/08

FIRST TIME HOMEBUY
5.635*0.000
5.63560

No $ Dwn 30-yr Fxd
5.635*0.000
5.63560

REVERSE MORTGAGE
5.4000.000
5.66860




*WE Give You $1,000.00 for downpayment or closing
*NO MORTGAGE INSURANCE
*INCOME LIMITATIONS By County
*Must have credit score of 620 or above CRA loan
312 W. Route38, Moorestown, NJ
Fees=click here

Countryside
215-412-9300

Updated:05/16/08

30-yr Fixed
5.7500.000
5.79830

20-yr Fixed
5.7500.000
5.79430

15-yr Fixed
5.5000.000
5.59130

7/1 ARM Jumbo
5.5000.000
5.56630



Guaranteed Real Rates & No Hidden Fees!

2 Cowpath Rd., Lansdale, PA
Fees=click here

American Federal Mortgage Corp.
888-321-4687

Updated:05/16/08

30-yr Fixed
5.7500.000
5.79130

15-yr Fixed
5.3750.000
5.41930

30-yr Fixed
5.3752.000
5.65830

15-yr Fixed
4.7502.000
5.05630

5/1 ARM
5.3750.000
5.41230

30-yr Jumbo Biwkly
6.0000.000
6.04330



1 Laurel Dr., Flanders, NJ
Fees=click here

Kearny Federal Savings Bank
877-691-2265

Updated:05/16/08

15-yr Fixed
5.2500.000
5.34060

20-yr Fixed
5.3750.000
5.45060

30-yr Fixed
6.1250.000
6.20060

7/1 ARM
5.3750.000
5.11060



Application fee rebated at time of closing.
1st Time homebuyers program available.
Call for details.
120 Passaic Ave., Fairfield, NJ
Fees=click here

Merit Financial
800-996-3748, ext 246

Updated:05/16/08

30-yr Fixed
5.8750.000
5.96760

30-yr Fxd Jumbo
6.000*0.000
6.06660

5/1 ARM Jumbo
5.3750.000
6.89060

7/1 ARM Jumbo
5.5000.000
6.99060

15-yr Fxd Jumbo
5.625*0.000
5.77960

10/1 ARM Jumbo
5.7500.000
7.12990

After hours Call 973-809-9181 or 973-953-4552
Loan to Value for up to $600,000.00 is 80%; *Over
$600,000.00 the Loan to value is 75%
150 River Rd., Ste. E-1, Montville, NJ
Fees=click here

Pan Am Funding
800-660-7987

Updated:05/16/08

30-yr Fixed
5.3752.000
5.67530

15-yr Fixed
5.0002.000
5.38930

Pic-a Pay Option *
3.0000.000
7.50030

Fix Pay Fix Rate*
2.9500.000
7.95030



Any Income, Any Credit, Any Situation. Low Rates
Buy or Refinance Over 150 Programs Available
$400 credit with ad *deferred interest option
www.PanAmMortgage.com 201-587-0003
Park 80 West Plaza 2, Saddle Brook, NJ

First US Mortgage
800-722-5081

Updated:05/16/08

15-yr Fixed
5.3750.000
5.60530

30-yr Fixed
5.7500.000
5.98030

30-yr Fxd Jumbo
6.2500.000
6.53730

100% LTV 30-yr Fxd
6.1250.000
6.74030

FHA 30-yr Fxd
5.7500.000
5.99030


Slow credit behind on payments. Call we can help.
No-Income Loans- Commericial Loans
FHA -100 % Loan -No Money Down
Rates as low as 1.25% / Invester Loans
www.firstusmortgage.com 24/7
WE HELP ALL OUR CLIENTS -NO CLOSING COST PROGRAMS
Pavilions @ Greentree, Marlton, NJ
Fees=click here

National Mortgage Alliance
800-621-6588

Updated:05/16/08

30-yr Fixed
5.7500.000
5.89845

15-yr Fixed
5.2500.000
5.45445

20-yr Fixed
5.6250.000
5.80145

5/1 ARM
5.1250.000
5.43745



Guaranteed Rates & Fees!
FDIC Insured Direct Lender!
Ask About Our 'Real Deal' No Closing Cost Loan!
6190 Powers Ferry Rd., Ste. 150, Atlanta, GA
Fees=click here

Sun Home Loans
800-786-1677

Updated:05/16/08







HIGH INTEREST RATE???
ADJUSTABLE RATE MORTGAGE GOING UP???
CALL NOW!!!
Many programs now available!
Great rates on 5- and 7- year ARMS!
Jumbo Rates as low as 5.875%
Don't miss out on these great rates!!!
627 Haddon Ave., Collingswood, NJ
Fees=click here

Partners Mortgage Inc.
908-725-5555

Updated:05/15/08

30-yr Fixed
5.5000.000
5.51530

20-yr Fixed
5.5000.000
5.51330

15-yr Fixed
5.2500.000
5.25930




**** GUARANTEED LOWEST FIXED RATES ****
**** ZERO COST REFINANCING *****
ASK ABOUT OUR MORTGAGE MANAGER PROGRAM
10,000 SATISFIED CUSTOMERS / $2 BILLION FUNDED
*****CALL NOW 1-888-438-7728*****
220 Westend Ave., Bridgewater, NJ
Fees=click here

Prime Time Mortgage Corp.
888-999-1929

Updated:05/14/08

30-yr Fixed
5.8751.000
6.05930

15-yr Fixed
5.5001.000
5.80630

5/1 ARM Jumbo
5.3750.000
6.85930

30-yr Fxd Jumbo
6.2500.000
6.28730

10/1 ARM Jumbo
5.7500.000
6.60330

FHA/VA 30-yr Fxd
5.8751.000
6.05930

Registered Broker NY State Banking Department
We arrange loans with third parties.
Reg. Members of the Better Business Bureau
MICHAEL A. GRAZIANO, PRESIDENT
275 Rt. 22 East, Springfield, NJ
Fees=click here

Terra Financial Group
800-928-6825

Updated:05/14/08

30-yr Fixed
5.2502.000
5.51630

15-yr Fixed
4.8752.000
5.32530

40-yr Fixed
6.0002.000
6.23630

30-yr Fxd Jumbo
6.2502.000
6.47530

5/1 ARM
4.5002.000
4.75430

7/1 ARM
5.0002.000
5.26230

Specializing in JUMBO & NO DOC loans

26 Eastmans Rd, Parsippany, NJ

Gateway Funding
856-853-0808

Updated:05/14/08







HOMEOWNERS 62+ - NEED CASH?
WHY CHOOSE A REVERSE MORTGAGE?
NO credit check or income requirements
NO repayment for as long as you occupy your home
YOU retain the title to your home
YOU may sell you home at any time
CASH may be used for ANY PURPOSE
831 Kings Hwy., Woodbury, NJ
Fees=click here

Investors Savings Bank
888-520-2468

Updated:05/14/08

10/1 ARM I/O Jumbo
6.0000.000
5.54790

10/1 ARM Jumbo
5.7500.000
5.41590

30-yr Jumbo Biwkly
6.1250.000
6.14090

30-yr Fxd Jumbo
6.2500.000
6.26090

5/1 ARM Jumbo
5.3750.000
5.00390

30-yr Fixed
5.8750.000
5.89560

Jumbo rates to $1.50 mill, includes one time
relock. New construction loan locks up to 18 mos
NJ, NY, CT, PA, DE. Equal Housing Lender.
Mtge loans provided by ISB Mortgage Co., LLC
249 Millburn Ave., Millburn, NJ
Fees=click here

Partners Mortgage Co.
800-369-8935

Updated:05/14/08

30-yr Fixed
5.7500.000
5.78230

15-yr Fixed
5.3750.000
5.38230

20-yr Fixed
5.5000.000
5.51330




Call Today 800-369-8935
10 Years and over 10,000 mortgages CLOSED.
If you wait any longer you will PAY MORE.
Purchase or Refinance - Interest Only
220 West End Ave., Somerville, NJ

Atlantic Financial Services
800-733-4112

Updated:05/14/08

30-yr Fixed
6.0000.000
6.01230

15-yr Fixed
5.5000.000
5.51130

3/1 ARM Jumbo
5.2500.000
5.26190

30-yr Fxd Jumbo
6.2500.000
6.26290



FREE Application, Appraisal, Credit Report & Lock!
Credit Problems? No Problem!
1295 Roosevelt Ave.,Carteret, NJ
Fees=click here
Rates based on $175,000 first mortgage loan for single family home. Jumbo rates (loans that exceed $417,000) or “jumbo-conforming” rates (loans between $417,001 to $729,750 depending on location) based on $450,000 loan. All rates are believed to be accurate but cannot be guaranteed and are subject to change without notice. Minimum downpayment requirements and other restrictions may apply. Due to recent federal legislation, rates and guidelines for some loans in excess of $417,000 may differ from information posted in guide, depending on amount and location. Rates for other loan amounts may also be different than those shown in guide based on factors such as loan-to-value ratios and credit scores. Please check with a selected lender to see how these recent changes may affect you and for all other details. Closing costs may vary. Companies pay a fee to advertise in this Guide. Pts=points, which include origination and discount fees. APR=annual percentage rate and is calculated by each company - includes costs to obtain loan and private mortgage insurance if required. Lock=rate lock period. ARM=adjustable rate mortgage. Fees are estimated costs which may vary from loan to loan. These are not inclusive of all closing costs and do not include points, prepaid interest, title insurance or escrow items. Contact each company for more details. Companies in this guide are Equal Housing Opportunity Lenders.

 

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15:16:08