Carmel Mortgage, Carmel Homes, Monterey Peninsula Mortgage co meeting your home financing needs, Cheryl Whitworth Mcvicar, Chuck Schipper, Jason Montgomery, Lori Clark
 
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I've been in the real estate business for over 30 years now. Your Borroware software is the easiest loan application I have ever completed. You have a winner here!
—Robert B..
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MMG Report
In The News...
There are no economic reports due for release today but the big news is the Initial Public Offering (IPO) of social networking site Facebook (FB). The shares were priced at $38 last night and will begin trading on the Nasdaq Stock market at around 11:00am...
Should You Refinance Now?

Rates are even lower now, 4.5% for a 30 year fixed to be exact.  APR 4.91%

If you see the math below, you can see that you'd save even more with this now available lower rate!! Call today.



Should you refinance?

Rates are significantly low - if you are over 6% it is most likely worth it for you! As soon as it makes sense for you to refi, do it to save money!

We can tell you what rate would be worth it for YOUR personal
home financing needs and goals.

Does it make sense for you to refi? It can help save you money right now.
Call us and we can crunch the numbers for you & find out today.

Perhaps your credit score is better than the last time you refinanced or purchased your home and simply that can help bring your interest rate down!

A refi cah help you ride out a layoff or other cash crisis as well. Who wouldn't benefit from saving $412/mo in a secure 30 year fixed loan? See below.

It's our job to find out for you and find the best program and rate for what you need now.


An example
of what you may save:

$400,000 at 6.5% 30yr fixed payment: $2528/mo

$400,000 at 4.875% 30yr fixed payment: $2116/mo

A savings of $412/mo = $148,320 over 30 years!!

*APR 4.99% as of 11/23/09

  Carmel Mortgage
33 Soledad Drive Suite #2
Monterey, CA 93940
Phone (831) 275-0380
Fax (831) 536-1803

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Carmel Mortgage - Site Map

Homebuying Center
Mortgage and lending information for purchase and home buying loans.
Refinance Center
Carmel Mortgage Refinances Monterey County and California - Learn about Monterey Refinance Programs, refi with Carmel Mortgage, the credible local mortgage company
Home Equity Center
Mortgage and lending information for home equity 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.
Commercial Loans
Commercial loans programs and information.
Construction Loans
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Interest Only Loans
Interest only loan programs and information.
Become a Loan Officer with Carmel Mortgage
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Carmel Mtg Vs. Your Bank
Carmel Mortgage Vs. Your Bank - Carmel Mortgage helps people of Monterey County and all of California find the best home loan at the bes rate for their financing needs and goals. We do not push the most expensive loan like banks can.
Monterey County Inclusionary Homes
Carmel Mortgage does Monterey County inclusionary loans & refis - Learn about Monterey County Inclusionary housing & loans and info here
News - Mortgage Industry
Carmel Mortgage FHA, CA FHA, Monterey FHA, Carmel FHA, - Carmel Mortgage now offers FHA, helping first time homebuyers and those refinancing
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Pebble Beach, Carmel, Carmel Valley, Monterey homes, Monterey CA homes, Pacific Grove, Salinas, Seaside, Marina, fort ord, new monterey, oldtown salinas, Pasadera, Las Palmas, greenfield, big sur, carmel-by-the-sea, spreckels, castroville, prunedale, elkhorn, moss landing, aptos, santa cruz, carmel homes, salinas homes, pasadera homes, las palmas homes, monterey CA
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