E Scott Mertens
Branch Manager
NMLS# 32274
Primary Residential Mortgage Inc. | NMLS #3094
44 Dover Point Rd. Unit E | Dover, NH 03820
Freddie Mac PMMS® data is provided "as is," with no warranties of any kind, express or implied, including, but not limited to, warranties of accuracy or implied warranties of merchantability or fitness for a particular purpose. Not all borrowers will qualify. Use of the data is at the user's sole risk. This chart is for illustrative purposes only. This is not a commitment to lend. Not all borrowers will qualify. These are the current national mortgage rates on popular loan products. Rates shown are not available in all states or to all borrowers.
This is not a commitment to lend. Not all borrowers will qualify. This is for illustrative purposes only and estimates are based on information you provided. Interest rates, mortgage insurance rates, and programs are subject to credit approval and available rates and terms will vary, sometimes drastically, based on borrower eligibility and program selected. For accurate interest rates and mortgage insurance rates please contact your sales consultant. For illustrative purposes FHA/VA and USDA loan amounts will include an estimate for the financed upfront MI amount.
This is not a commitment to lend. Not all borrowers will qualify. This is for illustrative purposes only and estimates are based on information you provided. Interest rates, mortgage insurance rates, and programs are subject to credit approval and available rates and terms will vary, sometimes drastically, based on borrower eligibility and program selected. For accurate interest rates and mortgage insurance rates please contact your sales consultant. For illustrative purposes FHA/VA and USDA loan amounts will include an estimate for the financed upfront MI amount.
This is not a commitment to lend. Not all borrowers will qualify. This is for illustrative purposes only and estimates are based on information you provided. Interest rates, mortgage insurance rates, and programs are subject to credit approval and available rates and terms will vary, sometimes drastically, based on borrower eligibility and program selected. For accurate interest rates and mortgage insurance rates please contact your sales consultant. For illustrative purposes FHA/VA and USDA loan amounts will include an estimate for the financed upfront MI amount.
E Scott Mertens
Branch Manager
NMLS# 32274
Primary Residential Mortgage Inc. | NMLS #3094
44 Dover Point Rd. Unit E | Dover, NH 03820
You can afford $300,000
Your Monthly Payment: $667/month
Total Loan Amount: $240,000
Total Amount Paid: $240,000
Estimated insurance needed: $667/month
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Interest rates and APRs are based on current market rates, are for informational purposes only, are subject to change without notice and may be subject to pricing add-ons related to property type, loan amount, loan-to-value, credit score and other variables - call for details. This is not a credit decision or a commitment to lend. Mortgage insurance may be required. If mortgage insurance is required, the mortgage insurance premium could increase the APR and the monthly mortgage payment. Additional loan programs may be available. APR (annual percentage rate) reflects the effective cost of your loan on a yearly basis, taking into account such items as interest, most closing costs, discount points (also referred to as "points"), and loan-origination fees. One point is 1% of the mortgage amount (e.g., $1,000 on a $100,000 loan). Your monthly payment is not based on APR, but instead on the interest rate on your Note. Adjustable Rate Mortgage (ARM) rates assume no increase in the financial index after the initial fixed period. ARM rates and monthly payments are subject to increase after the fixed period.
Rates and APRs also assume owner occupied Single family residences with an 80 loan-to-value (20% Down payment). Discount point have varied and can be found on www.freddiemac.com. These mortgage averages are for loans in 1st Lien Position. The historical Freddie Mac PMMS® data is provided "as is," with no warranties of any kind, express or implied, including, but not limited to, warranties of accuracy or implied warranties of merchantability or fitness for a particular purpose. Use of the data is at the user's sole risk. In no event will the advertiser on this app or Freddie Mac be liable for any damages arising out of or related to the data, including, but not limited to direct, indirect, incidental, special, consequential, or punitive damages, whether under a contract, tort, or any other theory of liability, even if Freddie Mac is aware of the possibility of such damages.
BackI am an experienced residential mortgage banker and pride myself on my knowledge of the industry, and being able to explain the process to my customers. Additionally, I have been successful in growing my business by focusing on the specific needs of borrowers and referral partners. I started my residential lending career as a retail subprime lender and have advance to owning and operating my own branch of Primary Residential Mortgage.
When I am not at work I am spending time with my wife and two children. I grew up in Wolfeboro, New Hampshire and moved to Florida for my high school and college education. Upon graduation I moved back to the granite state and have been here ever since. My family and I recently moved to the Barrington area, and love the quiet setting. My wife works at Frisbie Memorial Hospital as a registered nurse and has been there for eight years. When we are not working we are trying to enjoy time on one of New England’s great lakes or mountains.
Being a residential mortgage lender is a challenging career. We often refer to each loan as a puzzle, and have to put the pieces together to complete the big picture. The industry itself is so dynamic, keeping up with all the changes is extremely taxing. I am proud that my team and I have weathered all the changes and are well positioned to continue growing, and serving our customers.
DISCLAIMER
You are going to a 3rd party website and there is NO WARRANTY, expressed or implied, for the accuracy of this information or its applicability to your financial situation. Please consult your mortgage consultant.
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E Scott Mertens
Branch Manager
NMLS# 32274
Primary Residential Mortgage Inc. | NMLS #3094
44 Dover Point Rd. Unit E | Dover, NH 03820
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Release: master-6523
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Release: master-6523
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