5 year fixed rate at 3.85%

This is not April Fools joke!

My today’s best rate for 5 year fixed is 3.85%!!!

If you are paying your bills on time and would like to refinance your mortgage then you may be able to take advantage of this excellent 5 year fixed rate which is available on high ratio mortgages to 95% of your appraised home value.

Yes, I said appraised home value…

We are in a declining real estate market where your property is worth less today then it was last month and this is why both GENWORTH and CMHC are having very hard time supporting client estimated property values.

Both of these mortgage insurers are now requesting appraisals on almost every deal.

It really doesn’t matter who the lender is… if you want to refinance then you may have to pay about $250.00 to get your property appraised.

This fee is usually paid directly to the appraiser at the time of their inspection but you can also put it on your plastic for now and then pay it off using cash from the new mortgage proceeds.

Act now, this is a quick close special meaning your mortgage must fund within 30 days from your application.

Just go back to my website http://www.joemalek.com/ where you can apply online over my secure server and I’ll get back to you very fast.

Don’t procrastinate, because next moth your property value could be even lower!

Joe Malek
Mortgage Agent #M08004649