Team Hernandez

I think my kid has ESP! After my last week’s email about a ‘good baby’, he started sleeping 6-8 hours straight! Is he a genius or what? He was an adorable, cute and beautiful baby before, but now I must say he is in angelic status.
As far as the week goes, I’m going to slack this week. I have had 2 solid days at MD Anderson with my sister, a new employee, and have not kept up! I haven’t even had time to watch the new Greys’ Anatomy! But rest assured, your clients have been taken care of. I have a team of 3 loan partners that are always on the ball! Myself, Kenny, Sarah, and Brianna are here for you anytime!
Have a great weekend, and I promise, next week I’ll have more content.

RATES as of September 24, 2010 (UNCHANGED FOR THE WEEK)
The following assumptions apply:

20% Down Payment (Conforming) / 25% Down Payment Jumbo (Lower down payments available – call for details)
1% Origination Fee
Escrows Required (if no escrow, higher fees may apply)
Purchase Transactions, Primary Residence (Refinances have different rates)
30 day closing
Credit Score 740 +
Debt to income ratio <=40%
Full Documentation of Income/Assets

Conforming ($200,000* - $417,000)
Jumbo ($417,001- $1,000,000*)
30 year (fixed) 4.375% APR 4.504%
30 year ( fixed ) 5.375% APR 5.494%
15 year (fixed) 4.000% APR 4.224%
15 year ( fixed ) 4.750% APR 4.949%
5/1 ARM 3.250% APR 3.331%
7/1 ARM 3.625% APR 3.515%
5/1 ARM 3.250% APR 3.479%
7/1 ARM 3.500% APR 3.574%
10/1 ARM 4.875% APR 4.363%

FHA/VA call for quote (max loan $270,000)




We do originate loans below $200,000. These amounts are chosen to show the most favorable rates.
For other product options or for loan amounts less than $200,000 or above $900,000 please call for quote.
Call for details!


If you know of someone who would appreciate my services, please contact me with their name and number and I will be happy to help them!


Jennifer Hernandez
Vice President/Mortgage Consultant
Patriot Bank Mortgage

Office: 713-337-8400
E-mail: jennifer@patriotbankusa.com
Blog: www.loanwithjennifer.blogspot.com