Thank you for visiting my blog site, I’m Andrew Hahn and my company is Capital Advantage LLC. a mortgage company providing both money for purchasing real estate as well as refinancing. My company is located in Commerce City Colorado. I provide financing in the state of Colorado, this allows me to focus on the rules and guidelines that govern the loan programs. Loan guidelines can vary from state to state. If you are considering a refinance or looking to purchase real estate please visit my business website Capitaladvantagemortgage.com. If you would like to learn more about me I have a personal website as well Andrew-Hahn.com

ANdrew hahn

In today’s chase for the best rate, for those who have a *conforming Adjustable Rate Mortgage or to be more specific a loan owned by Fannie Mae or Freddie Mac the chances are your ARMs interest rate has been going down and is lower than today’s fixed interest rate loans. If you want to get out of the uncertainty of an ARM and want a fixed rate loan have you a decision to make. More than likely to make the move to a fixed rate loan your rate is more than likely going to be higher and therefore your payment is going to go up. Now the challenging aspect is going to be timing. You want to take advantage of your lower rate as long as possible yet when you make the move to a fixed rate loan you want to lock in at the lowest rate you can. Timing the market is always a tough call and trying to guess when the 30 year fixed rates are going to reach their lows is even more difficult given the challenges in the markets today. Unless there is another sizable drop in the market we might have seen the all time lows and rates are starting the trend back up. Now could be the time to start watching the rates to try to catch them on a dip and get locked in, in the upper 4%’s to low 5% range, at this time 4.75% or lower doesn’t appear to be in the stars; unless you buy the rate down (not usually money well spent unless paid by some else). So what I recommend is that we start crunching the numbers now to determine a strategy and to be at the ready when rates get to your sweet spot. To sign up for my rate quote CLICK HERE.

* Non conforming loans such as subprime loans or portfolio loans (some institutions keep their loans) are probably seeing their rates go up and are not eligible for loan programs created by Fannie Mae and Freddie Mac.

I’ll provide topics that are related to the financing of Real Estate. With all the changes that have taken place in the mortgage industry it’s been difficult to keep up for most people who don’t monitor the events virtually on a daily basis. I’ll point out the changes that affect your ability to refinance your property or to purchase property. I welcome you to ask me questions that concern your specific situation. I’ll also work on keeping you in the loop on changes that are going to affect us in the future as they become known. I have over 18 years experience in the mortgage industry. I’m located in Commerce City Colorado on the north east edge of Denver Colorado. Capital Advantage LLC. is a small boutique style mortgage company with my priority on maintaining the highest standard of customer service combined with obtaining the lowest rates the market has to offer. I’m not in this business to have an office full of loan originators and not be able to provide the personal service I feel you deserve. By remaining a small independent mortgage broker I can also maintain the lowest fees in the industry. Be wary of lenders that offer free appraisals, as we all know they aren’t free and get paid for somewhere in the fees or by back end fees which require an increase in the interest rate. I provide an honest upfront method of doing business, my goal is your total satisfaction and to earn the highest compliment of a referral from you. I look forward to hearing your comments and questions. If you would like more information about me please Visit my website: Click Here