"Just a spoonful of sugar helps the medicine go down" (singing). We saw Mary Poppins in NYC on Wednesday. What a wonderful presentation! Highly recommended. Of the 2 dozen or so Broadway plays I have seen, this has to be the best one. Diego, my 5 year old was ecstatic . We have been singing this song for days!!!!!
My sugar this year to help the medicine go down has come in 2 doses. ONE , an epidural, when Pablo was born. And the other, chocolate. Partly because I was pregnant for half of 2010, but also because days at the office have been so stressful! Did all that chocolate really help ease the pain of all the increased regulations, rules, and extra paperwork? Really, I think it must have. In that moment anyway! Supercalifragilisticexpialidocious! That is what you say when you just don't know what to say (according to Mary Poppins).
There were so many lessons learned in Mary Poppins. Really such a great story about what is important in life: Family. At the end of the program, Mary Poppins 'flew' into the crowd and went up, up, up to each level of the theater. I was in tears!!!! Why? Was it because I was so happy the Mr. Banks had reconnected with his family? Or that Mrs. Banks had renewed her love with her husband? OR that Jane and Michael, the kids, were not so naughty after all? Whatever the reason, we left the theater singing and skipping through the (freezing) streets of New York City.
As you enjoy the holiday season with loved ones, may you always remember to give:
Your heart to friends and family.Service to a customer.Charity to all.A good example to every child.Respect to yourself and God.
On behalf of myself and my team at Patriot Bank Mortgage, we wish each and every one of you a safe and joyful holiday!
Jennifer Hernandez
RATES as of December 24, 2010 (UP 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) 4.750% APR 4.882%
30 year ( fixed ) 5.625% APR 5.746%
15 year (fixed) 4.250% APR 4.476%
15 year ( fixed ) 5.000% APR 5.201%
5/1 ARM 3.625% APR 3.361%
7/1 ARM 3.875% APR 3.549%
5/1 ARM 3.625% APR 3.509%
7/1 ARM 3.875% APR 3.668%
10/1 ARM 5.375% APR 4.636%
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
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