30 Year Fixed: 5.875 15 Year Fixed: 5.500 30 Year Fixed Jumbo: 6.500 5/1 Jumbo ARM : 5.500

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Get Started: Home Today's Rates Rate Alert Calculators Search for a Home Now Home Search Assistant Apply On-Line What You Need to Apply The Right Loan First Time Buyers Guide Home Buying Process Glossary ProAdvantage Client Quotes Refinancing with PAFG was a breeze. As a repeat customer, we’re talking from experience. We had complete confidence in our mortgage broker’s knowledge of the market and ability to get us the best rate possible. All the brokers we have dealt with are responsive and experienced professionals with their eye on the ball. That’s why when rates fell again recently, we went back to them. Fidelity Employee Choosing the right lender made finding our first home so much easier. The staff at Professional Advantage answered all of our questions with patience and expertly; they were truly great to work with! We highly recommend Professional Advantage to everyone we know! Ryan and Amy Turncliff Alkermes More Customer Quotes

The Right Loan   There are two standard types of home loans: fixed and adjustable. Understanding the differences will help you determine the one that works best for you. Fixed rate loans are the most common loans and allow you to keep the same interest rate and monthly payment for the life of the loan. They are good if: You want the security of a set monthly principal and interest payment You want stability You feel confident you won't be moving soon Adjustable rate loans(ARMs), also known as flexible or floating loans, give you a fixed interest rate for an initial time period. After that, the rate adjusts. Rate adjustments are usually tied to one of several interest rate indexes. These loans have a lifetime interest-rate cap that can help protect you from soaring rates, and sometimes periodic caps. These loans: Have a lower initial interest rate than a fixed rate loan might, but the rate adjusts after that initial period Can be a good choice if you want to minimize monthly payments, increase buying power and/or don't expect to keep the loan for the length of its term (for example, if you only expect to keep the loan for a few years) We can help you decide which of our loan options will best meet your needs—just contact us via email or by phone at 800.809.5626 Understanding discount 'points' 'Points' are an upfront fee that you can sometimes pay. Paying points can lower the interest rate of your loan. Each point charged is equal to one percent of the loan amount (for example, if the loan amount is $150,000, a point would be $1,500).Paying discount points can be good idea if you plan on owning your home for seven or more years because you get a lower interest rate. They may also provide tax benefits. Why get a pre-approval Many future homeowners choose to apply for a loan before they find a home—they get pre-approved. Here are two reasons to consider getting pre-approved: It can help you figure out what you can afford to spend on a home. It helps demonstrate to the seller that you are likely to qualify for funding and are a serious buyer.

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