Carmel Mortgage, Carmel Homes, Monterey Peninsula Mortgage co meeting your home financing needs, Cheryl Whitworth Mcvicar, Octavio Hurtado, Johnny Quillopo
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(831) 275-0380
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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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
29 Navajo Drive
Salinas, CA 93906
Phone (831) 275-0380
Fax (831) 536-1803

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