:: Jax Best Rate :: http://www.jaxbestrate.com Tue, 11 Oct 2011 15:21:23 +0000 http://wordpress.org/?v=2.7 en hourly 1 How long is your interest rate locked?? http://www.jaxbestrate.com/uncategorized/how-long-is-your-interest-rate-locked.html http://www.jaxbestrate.com/uncategorized/how-long-is-your-interest-rate-locked.html#comments Tue, 11 Oct 2011 15:21:23 +0000 Tom Correia http://www.jaxbestrate.com/?p=204 REAL WORLD: Some lenders will appear to have lower rates than others to try and “get your business”…only for you to find out that the interest rate was really good for only 7 or 15 days. In the real world it is nearly impossible to close a loan in 7 to 15 days. Best advice: Ask them how long this rate is good for or locked in. Make sure it is good for at least a 30 day rate period. See: How to read a Good Faith Estimate, Important dates Nav tab-Good Faith Estimate

]]> http://www.jaxbestrate.com/uncategorized/how-long-is-your-interest-rate-locked.html/feed Will this be the interest rate I will actually get? Just ASK!!! http://www.jaxbestrate.com/uncategorized/will-this-be-the-interest-rate-i-will-actually-get-just-ask.html http://www.jaxbestrate.com/uncategorized/will-this-be-the-interest-rate-i-will-actually-get-just-ask.html#comments Tue, 11 Oct 2011 14:19:50 +0000 Tom Correia http://www.jaxbestrate.com/uncategorized/will-this-be-the-interest-rate-i-will-actually-get-just-ask.html REAL WORLD: Some lenders will appear to have lower rates than others to try and “get your business”…only for you to find out that the interest rate was really good for only 7 or 15 days. In the real world it is nearly impossible to close a loan in 7 to 15 days. Best advice: Ask them how long this rate is good for or locked in. Make sure it is good for at least a 30 day rate period. See: How to read a Good Faith Estimate, Important dates Nav tab-Good Faith Estimate

Best advice: Ask your lender when the cutoff period is to accept the loan offer and/or how long that the interest rate will be guaranteed (locked in). 30 days or more is acceptable. See: How to read a Good Faith Estimate, Important dates Nav tab-Good Faith Estimate

Best advice: a good lender will ask you specifically if you are agreeing to terms and/or tell you that you are locked in to the interest rate and fees. If you are not clear, just ask…” Am I locked in, and for how long?” As of January 1, 2010 some lenders will have you sign an “intent to proceed” form. At this point you should be locked into your interest rate. . See: How to read a Good Faith Estimate, Important dates Nav tab-Good Faith Estimate

]]> http://www.jaxbestrate.com/uncategorized/will-this-be-the-interest-rate-i-will-actually-get-just-ask.html/feed Vanilla advice…follow it! http://www.jaxbestrate.com/jaxblog/vanilla-advicefollow-it.html http://www.jaxbestrate.com/jaxblog/vanilla-advicefollow-it.html#comments Mon, 26 Sep 2011 17:06:17 +0000 Tom Correia http://www.jaxbestrate.com/?p=203 Real World: Rule of thumb: The higher the interest rate a lender charges, the lower the fees a lender should be charging you! Make sure you are getting your BEST RATE possible…Get more than 1 estimate!

]]> http://www.jaxbestrate.com/jaxblog/vanilla-advicefollow-it.html/feed About Us http://www.jaxbestrate.com/about-us http://www.jaxbestrate.com/about-us#comments Fri, 23 Sep 2011 09:40:37 +0000 Tom Correia http://www.jaxbestrate.com.previewdns.com/cms/?page_id=115

JaxBestRate.com is a a greater Jacksonville mortgage company designed for people looking for a home mortgage in the Jacksonville area. 

 We do not provide  an online loan application for the purpose of trying to deliver accurate pre approvals for each and every borrower. All applications and pre-approvals are done over the phone (or in person) with a JaxBestRate.com loan originator. All loan originators with JaxBestRate.com are licensed loan originators in the State of Florida with combined experience of over 55 years. NOTE: All rates shown on our website are guaranteed after a completed pre approval by a Jaxbestrate representative. 

By partnering with over 15 mortgage company and bank lenders, we are able to offer more than one choice to try and achieve the lowest rates and fees possible for each borrower. Although we cannot guarantee the lowest rates available, we can guarantee that all borrowers will be educated with the most accurate and current mortage information. No Smoke. No Mirrors. Just low rates.

Please contact us with any questions:

Tom Correia - direct line: (904) 545-2777   Fax: (904) 592-2608

Email: Fidelity.mortgage@comcast.net

]]> http://www.jaxbestrate.com/about-us/feed Rates are still great!! But, for how long is the real question… http://www.jaxbestrate.com/uncategorized/rates-are-still-great-but-for-how-long-is-the-real-question.html http://www.jaxbestrate.com/uncategorized/rates-are-still-great-but-for-how-long-is-the-real-question.html#comments Wed, 22 Jun 2011 16:31:41 +0000 Tom Correia http://www.jaxbestrate.com/?p=202 There is not doubt that low interest rates have made buying or refinancing a home very attractive for the past year or so. Unfortunately, how long those rates will remain low is now a serious question to ponder for potential buyers and sellers. Recently, the Federal Reserve has slowed down the purchase of US bonds which some say (and I believe) is the reason why interest rates have remained low for the period. Common sense will say that rates will begin to rise slowly as the market will have to “self correct” to what rates should be without any “artificial stimulation”. So…with all that said, is it time to lock in low rates for the long term…or is it time to roll the dice a little longer? I do know one thing…it’s always better to “be a pig and get fat, and not a hog and get slaughtered”

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]]> http://www.jaxbestrate.com/get-your-best-rate/feed http://www.jaxbestrate.com/john http://www.jaxbestrate.com/john#comments Mon, 21 Dec 2009 18:26:18 +0000 Tom Correia http://www.jaxbestrate.com/cms/john

 
 
   
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]]> http://www.jaxbestrate.com/john/feed Testimonials http://www.jaxbestrate.com/about-us/testimonials http://www.jaxbestrate.com/about-us/testimonials#comments Fri, 11 Dec 2009 09:31:35 +0000 Tom Correia http://www.jaxbestrate.com/cms/about-us/testimonials Tom,  Here you go. I shopped both the online big boys. You beat all 3 lenders that responded by $540.00 and the interest rate by .250% . I would recommend anyone to you. We appreciate your help. Dan and Myra B. Daytona Bch. Fl.

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Tom…”You were such a big help in our home buying process (again)! We most appreciated your candor and what kind of loan to get. After closing Kirk and I both felt great about our decision to go with a fixed loan. As usual, you rock! Enjoy the wine! Keep in touch! Amy & Kirk S Jacksonville, Fl.

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“Tom and Staff, I have had to get several mortgages because of travel in my career. You and your processing staff made this process the easiest by far . FYI, I really liked the How to Negotiate tab on the site. The info was refreshing. Best of luck. Scott G. Big Pine Key, Fl.

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Tom, Karen and I appreciate the help on our refinance. Your staff was extremely professional and helpful. We would highly recommend you.  Mike and Karen P. Jacksonville, Fl.

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Mr. Correia, thank you for all of your help. I will be recommending you to all my friends when they buy a house. Kim was a great help!! Mary Anne J. Palm Coast, Fl.

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Mr. Correia, thank you for helping us buy our house. We wanted to let you know we gave your name to a couple of friends of ours buying right near us. Ken and Kathy W. Thanks again. You were a God send. John and Julie S. Fleming Island, Fl.

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TC, Great job again. I sure do wish you could lend me money in Massachusetts! Keep in touch. Murph, Fernandina Beach, Fl.

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Tom, we appreciate the candor. Real world, best advice is exactly what is needed in buying a house. I will surely be referring you to anyone I hear buying a house. Thanks again. Bruce and Mary H. Fleming Island Fl.

]]> http://www.jaxbestrate.com/about-us/testimonials/feed Thank You http://www.jaxbestrate.com/thank-you http://www.jaxbestrate.com/thank-you#comments Wed, 25 Nov 2009 09:55:53 +0000 Tom Correia http://www.jaxbestrate.com/cms/thank-you Thank you for your inquiry, which has been successfully sent to Jax Best Rate. We will contact you shortly

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