Committed to "Customer for Life" Principal of Doing Business! 

BUYING & SELLING Real Estate

We cover your real estate needs in northern California including the counties of Santa Clara, Alameda, Merced, Placer, San Joaquin, San Mateo, Sacramento, Stanilaus and El Dorado.   

 Federal Tax Credit For Home Buyers Hilights

• Program extended through April 30, 2010, with a 60-day extension if a binding contract is in place prior to the deadline.
• Up to $8000 tax credit for first-time home buyers
• Up to $6,500 tax credit for existing homeowners.  To qualify for the $6,500 credit, existing homeowners must have lived in their current residences for at least five years.
• Qualifying income limits from $75,000 for single tax filers and $150,000 for joint filers to $125,000 and $225,000, respectively.
• Home purchase price capped at $800,000.
  
• Credit on purchases completed in 2010 can be claimed on 2009 income tax returns.

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MORTGAGE - Purchase, Refinance, Home Equity, Line of Credit

• Our rates combined with unsurpassed service/quality + lowest overall fees possible are ones of the best in the industry.   

  APPLY NOW!  Rates in 2010 are expected to rise from 2009's historically low levels!

	Rate*	Point	APR		Last update:  03/04/10 10:20am
30-yr Conf	4.875%	0	4.940%		Rates+fees best in the industry.
15-yr Conf	4.375%	0	4.486%		* Inquire about no cost program.
7/1 LIBOR ARM Conf	4%	0	4.062%		Call for program incentives/specials.
5/1 LIBOR ARM Conf	3.75%	0	3.811%		* Excellent for short term ownership.
30-yr Super Conf	5.125%	0	5.181%		Super Conf < $729K, for CLTV < 60%.  For higher CLTV, pls inquire.
Home Equity Line of Credit	As Low As 2.99%	0	N/A		Up to $250K.  Low broker fee.  No lender/escrow cost.  Assumptions apply.

*Assumptions.  For files approved, ready to lock rates.  Rate/fees may vary for different loan amounts.  Pay discount points to reduce rates further. Call for 3-, 5-, 7-yr ARM and 15-yr fixed programs.  Incentives are subject to change any time and valid on day of rate lock only. Home equity line of credit, primary residence only, with combined loan to value < 80%. 

** Est. Closing Cost includes applicable lender fees, low flat broker fee, settlement+title+recording+notary fees, appraisal/credit report fees.   Discount points and payoff amounts will apply at closing. 

Assumptions:  720+ FICO, owner-occupied single family primary or secondary residence, full doc, debt-to-income < 40%, impound setup, no secondary subordination. No prepayment penalty.  .  Higher rates/fees apply for > 80% LTV and investment properties.  Other requirements may apply.

GUARANTEED:  Check out our Good Faith Estimate and Truth In Lending.  Assumptions Apply.  Show us any lenders Good Faith Estimate in writing and we will attempt to MATCH or BEAT them! Note: If you do not get a Good Faith Estimate from your broker or direct lender, do not do business with them! By law they have THREE (3) days to send one in writing to you upon your submittal of a loan application.  NST REALTY & MORTGAGE never changes your rate at closing or surprises you with extra fees at the last minute.  Estimated Total Closing Cost (includes lender fees, broker fees, title/escrow and other third-party fees) does not include taxes, insurance, prepaid interest and unpaid accrued interest due from Borrower(s) to be paid at closing.  

 

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THANK YOU FOR YOUR BUSINESS AND REFERRALS! 

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