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Thank you for considering PMF for your loan needs.  We appreciate you giving us the opportunity to earn your business.

Whether you are looking to BUY A HOME or REFINANCE YOUR EXISTING ONE, here is what we can offer you:

*    Same Day Pre Approvals.We talk with you; take a mini-application and Pre Approve you within minutes and issue your Pre Approval Letter within an hour.

Fill out the Quick Quote Mini Application to the right so we can start the loan prcoess today!!

*    Loan Closings In As Little As 1 week.  Whether you are buying a home, needing cash to pay off debts or lowering your existing interest rate, We Can Make It Happen!

*    A Simplified Loan Process.  We make it easy for you to do business with us! 

* Free Loan Analysis 

*    You Choose From A Variety Of Loan Options.  Whether you want a low rate or low fees, our loan programs can be tailored to meet your specific needs.

  • We offer VA Loans that provide 100% Financing.
  • We offer USDA Loans that provide 100% Financing
  • We offer FHA Loans with as little as 3.5% down that allow a seller to cover some or all of your closing costs.
  • We offer Conventional FNMA Loans.
  • We offer Commercial and Business Loans.
  • We offer Reverse Mortgages.
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Need to talk to someone right now?  Pick up the phone and contact Brad Smith on his cell phone at 502-500-8975 or email him at bsmith@pmf-usa-lo.com .

  

  
Mortgage News Daily

MBS MID-DAY: 1/27/2012 - 2 hours ago
Posted To: MBS CommentaryMBS Live : MBS MID-DAY Open MBS Live Dashboard FNMA 3.5 103-18 : +0-02 FNMA 4.0 105-17 : +0-02 FNMA 4.5 106-25 : +0-00 FNMA 5.0 108-01 : +0-01 GNMA 3.5 104-31 : +0-01 GNMA 4.0 107-21 : +0-00 GNMA 4.5 109-06 : -0-03 GNMA 5.0 110-30 : -0-02 FHLMC 3.5 103-12 : +0-02 FHLMC 4.0 105-09 : +0-02 FHLMC 4.5 106-09 : +0-01 FHLMC 5.0 107-17 : +0-01 Pricing as of 11:04 AM EST Morning Market Updates A recap of MBS Market Updates provided by MND Analysts and streamed live to the MBS Live Dashboard . 10:15AM : Fed's Dovish Dudley Says Recovery to Slow in 2012 RTRS ? Fed?s Dudley says much work remains to achieve Fed's dual mandate of employment, price stability RTRS - monetary policy will continue to do its part to support recovery RTRS - action on housing, fiscal policy also needed for recovery RTRS...(read more)Forward this article via email:  Send a copy of this story to someone you know that may want to read it.
LPS: Mortgage Originations Among Highest Quality Ever in 2010-2011 - 2 hours ago
Posted To: MND NewsWireThe Lender Processing Services (LPS) Mortgage Monitor Report for December show improvement in a number of the metrics it tracks. Many measures of delinquency rates are down, inventories are clearing in some states, and recent loan originations are "among the best quality on record." The overall delinquency rate did not change from November, remaining at 8.15 percent but is down 7.7 percent since December 2010. Seriously delinquent loans, those 90 or more days overdue or in foreclosure decreased 0.6 percent to 7.67 percent, a -5.9 percent change from one year earlier. The foreclosure rate which was 4.16 percent in November fell to 4.11 percent in December and is down 1.0 percent year-over-year. Foreclosure starts showed the most dramatic change. There were 159,092 starts in December compared...(read more)Forward this article via email:  Send a copy of this story to someone you know that may want to read it.
What Should the Government do to Address the Inventory of Foreclosed Properties? - 4 hours ago
Posted To: Voice of HousingEconomists calculate that the decline in home prices has cost American homeowners approximately $7 trillion in home equity. Compounding this problem is the fact that the inventory of homes available for sale remains high and there is potential for a significant volume of “shadow inventory” to hit the market. Intervention is necessary to support the fragile recovery in the housing market and to prevent further declines in home values. What steps must policy makers take to prevent the loss of additional trillions in home equity? The abundant supply of homes available for sale presents opportunities for first-time homebuyers and “move-up” buyers as affordability is at an all-time high. Many, however, are hesitant to make a move as they wait for values to reach “bottom...(read more)Forward this article via email:  Send a copy of this story to someone you know that may want to read it.
California Says "No Thanks"; FHA Compare Ratio, and Lender FHA Changes not to be Ignored - 4 hours ago
Posted To: Pipeline Press"The trouble with quotes on the internet is that it's difficult to determine whether or not they are genuine." So said Abraham Lincoln. But here is one I received yesterday from Steve S., the president of Residential Mortgage Group in Minnesota: "In thinking about the mortgage programs being proposed, we continue to be too stupid to have our own country." And another from a broker discussing signing documents with his clients: "Anyway, I had an older married couple come in to sign refinance papers this morning and when they got to the page entitled 'Intent to Proceed with Application,' the husband threw up his hand and said, 'You mean we sign and initial 29 times and they still think we don't intend to proceed? Monkeys! We are governed by Monkeys!'" These blunt thoughts reflect many e-mails...(read more)Forward this article via email:  Send a copy of this story to someone you know that may want to read it.
The Day Ahead: GDP, Consumer Sentiment, and Euro Headline Potential - 6 hours ago
Posted To: MBS CommentaryVolume in the overnight session was just under recent averages but respectable overall. 10yr Treasuries rose as high as 1.9681 after a relatively strong Italian debt auction. Beyond that, there was no major driver of trade as it seems bond markets have opted to shy away from overly aggressive bullish breakouts and are perhaps waiting for this morning's GDP, next week's NFP, or resolution to Greek bond-swap talks that may come some time in between. MBS are opening 2-3 ticks lower; S&P futures just slightly higher, but generally followed bond markets overnight. The world economic forum in Davos continues. The schedule is packed with what sound like meaningful events, such as a "panel debate on the future of the Euro-zone," but as always, we'll have to wait for potentially meaningful news...(read more)Forward this article via email:  Send a copy of this story to someone you know that may want to read it.