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RatePointsAPR
30 yr fixed
5.625% 2.125% 5.91%
6.250% 0.000% 6.34%
15 yr fixed
5.250% 1.875% 5.69%
6.000% 0.000% 6.15%
30 yr FHA
5.625% 2.750% 6.47%
6.500% 0.000% 7.09%


Dear Mr Elliot,
We want to take this opportunity to thank you for all your assistance in handling our refinance. Everything went so smoothly and we appreciated your courtesy and professionalism...you were a direct answer to prayer! He amazes when He answers so quickly! It was so unexpected, but NICE to be able to pray with someone over the phone about this. We are truly stewards, together, with what He has given us, aren't we? Thank you again for your assistance and we pray that God will richly bless you in your ministy!
Sincerely,
Phil & Monica Johnson


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5/16/2008