Reviews
- John is personable, professional, attentive, knowledgeable, and very generous with his time...read more
- I would recommend John to anyone looking for residential real estate mortgage work in New York and Connecticut....read more
- seasoned professional who returns calls and answers concerns in a more than timely fashion..read more
- knowledgable about the industry and considers the total picture, as well as the individual situation...read more
NAMC Press
- Click here for more press
- October 2nd, 2012 Bloomberg Radio, The Hays Advantage Kathleen Hays and John Sauro, discuss the state of the Real Estate Market...listen
- May 30th, 2012 Bloomberg Radio, The Hays Advantage Kathleen Hays and John Sauro, discuss the state of the Real Estate Market... read
|
|
Rates Disclosure
The APR for the 30 year jumbo fixed rate is calculated using a maximum loan amount of $729,000 amortized over 30 years for a maximum loan to value of 80% and a minimum credit score of 720 with No points.
The APR for the 30 year conforming mortgage is calculated using a maximum loan amount of $417,000 amortized over 30 years for a maximum loan to value of 80% and a minimum credit score of 720 with No points.
The APR for the 10/1 Arm is calculated using a maximum loan amount of $1,000,000 amotized over 30 years for a maximum loan to value of 80% and a minimum credit score of 720 with No points. The Index used is the Monthly Average Yield of U.S. Treasuries adjusted to a constant maturity of one year with a margin of 2.75% and caps of 5/2/5.
The APR for the 7/1 Arm is calculated using a maximum loan amount of $1,000,000 amotized over 30 years for a maximum loan to value of 80% and a minimum credit score of 720 with No points. The Index used is the Monthly Average Yield of U.S. Treasuries adjusted to a constant maturity of one year with a margin of 2.75% and caps of 5/2/5.
The APR for the 5/1 Arm is calculated using a maximum loan amount of $1,000,000 amotized over 30 years for a maximum loan to value of 80% and a minimum credit score of 720 with No points. The Index used is the one year T-Bill with a margin of 2.50% and caps of 2/2/6
The APR for the 3/1 Arm is calculated using a maximum loan amount of $1,000,000 amotized over 30 years for a maximum loan to value of 80% and a minimum credit score of 720 with No points. The Index used is the Monthly Average Yield of U.S. Treasuries adjusted to a constant maturity of one year with a margin of 2.75% and caps of 5/2/5. |
