YOUR RESIDENTIAL & COMMERCIAL NEIGHBORHOOD MORTGAGE STORE

Interest Rates for the Week of November 9, 2009

        Conforming Fixed Rates        APR

 30 Years :   1.00   Points -    4.750%         4.90%
                          0    Points -     5.000%          5.07%

15 Years :   1.00    Points -    4.250%            4.51%
                                                     .00    Points -   4.500%           4.61%                            

Float Down Option Available

          Jumbo Fixed Rates

  30 Years :  1.00   Points -   5.500%         5.62%
                             0   Points -   5.875%          5.90% 
10/1 ARM :       0   Points -    5.000%         4.67%
   15 Years :  1.00   Points-    4.50%          4.70%
                              0   Points-     4.750%          4.79% 

*****FIRST TIME BUYER*****
Fixed 30 @ 4.625%   /   5/1 ARM @ 3.875%   APR 4.71%
****40 Year Fixed Available****

            Adjustable Interest Only Options:        APR   
   
                          5/1 ARM  @ 4.375%                                    4.17%   
                       7/1 ARM  @ 4.625%                                     4.34%

RATES SUBJECT TO CHANGE, MAY BE LOCKED 30 DAYS AT APPLICATION!!!!

Noteworthy Programs
*PIGGYBACK LOANS NO PMI!! PMI NOW TAX DEDUCTIBLE!!!        
*NO-INCOME VERIFICATION LOANS!!
*LOW INTEREST ARMS  *HELOCS PRIME  (PRIME = 3.25%)
*CONSTRUCTION LOANS / NO-INCOME CONSTRUCTION LOANS!
*LONG TERM LOCK-INS TO 360 DAYS!!  WITH A FLOAT-DOWN!!!***
*FIXED 30 COMMERCIAL LOANS!!   30/5 @5.875% APR 10yr T-Bill 3.47%
LOW DOWN-PAYMENT PROGRAMS 3% DOWN; JUMBO 103% FINANCED!
*NO-MONEY DOWN PROGRAMS AVAILABLE!! NOW OFFERING SONYMA!

For Further Information Call 1-800-LOAN-DML FOR YOUR DML LOAN OFFICER:
DAVID M. LICHTMAN
PRESIDENT
914-447-8770

                     FHA/CONFORMING LIMITS                       HIGH COST LIMITS

****1 Family:   $417,000****                            $729,750

****2 Family:   $533,850****                            $934,200

****3 Family:   $645,300****                            $1,129,250

    ****4 Family:   $801,950****                           $1,403,400

WHILE OTHER LENDERS STRUGGLE DML IS STRONG AS EVER PROVIDING FHA, REVERSE, COMMERCIAL LINES OF CREDIT AND ALL NECESSARY MORTGAGE PROGRAMS AT GREAT RATES.  CALL US TODAY!!!

   Registered Mortgage Broker: NY, NJ, CT, & FL Banking Departments.  All loans arranged through third party providers.  Licensed by the PA Department of Banking.