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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

January Housing Scorecard Released by HUD, Treasury - 15 hours ago
Posted To: MND NewsWireThe Departments of Housing and Urban Development (HUD) and Treasury issued the administration's January Housing Scorecard on Monday. The report is essentially a summary of data on housing and housing finance released by public and private sources over the previous month and/or quarter. Most of the data such as new and existing home sales, permits and starts, mortgage originations, and various house price evaluations have been previously covered by MND. The scorecard incorporates by reference the monthly report of the Making Home Affordable Program (MHA) through the end of December. This includes information on the universe of MHA programs including the Home Affordable Modification Program (HAMP), HOPE Now, and Second Lien Modifications and other initiatives. Since the HAMP program began in...(read more)Forward this article via email:  Send a copy of this story to someone you know that may want to read it.
Industrial and Multi-family Loans Drive Annual CRE Increase - 15 hours ago
Posted To: MND NewsWireThe Mortgage Bankers Association (MBA) reports that commercial and multifamily loan originations were down 7 percent in the fourth quarter of 2011 compared to the third quarter but were 13 percent higher than originations in the fourth quarter a year earlier. The year-over year change was driven by originations for both industrial and multifamily properties which increased 43 percent and 31 percent respectively from Q4 2010. On the negative side, retail loans were down 8 percent, loans for healthcare properties fell 24 percent, office properties were down 29 percent and hotel originations decreased 44 percent. Quarter over quarter results were mixed. There was a 153 percent jump in originations for health care properties; industrial loans were up 51 percent and multifamily properties increased...(read more)Forward this article via email:  Send a copy of this story to someone you know that may want to read it.
MBS RECAP: 2/6/2012 - 15 hours ago
Posted To: MBS CommentaryMBS Live : MBS RECAP Open MBS Live Dashboard FNMA 3.5 103-28 : +0-05 FNMA 4.0 105-23 : +0-07 FNMA 4.5 106-27 : +0-02 FNMA 5.0 108-02 : +0-04 GNMA 3.5 105-08 : +0-05 GNMA 4.0 107-29 : +0-05 GNMA 4.5 109-07 : +0-03 GNMA 5.0 110-30 : +0-02 FHLMC 3.5 103-19 : +0-04 FHLMC 4.0 105-11 : +0-06 FHLMC 4.5 106-09 : +0-01 FHLMC 5.0 107-20 : +0-03 Pricing as of 4:03 PM EST Afternoon Market Updates A recap of MBS Market Updates provided by MND Analysts and streamed live to the MBS Live Dashboard . 2:36PM : ALERT: MBS Gains Hold. Additional Positive Reprices Reported About 2 hours ago, we started to entertain the possibility of positive reprices despite the lack of outright gains, and suggested that additional lenders would either need more time or further improvement in prices. They ended up getting both...(read more)Forward this article via email:  Send a copy of this story to someone you know that may want to read it.
European Headlines Help Mortgage Rates Bounce Back - 16 hours ago
Posted To: Mortgage Rate WatchFollowing Friday's employment data, Mortgages Rates moved quickly higher. In most cases, the changes were seen not in the quoted interest rates themselves, but rather in the closing costs required to obtain those rates. A small number of lenders' Best-Execution rates rose to 4.0%, but a majority stayed at 3.875%. (learn more about how we calculate Best-Execution in THIS POST ). For a given interest rate, there are a range of costs at which it could still be a best-execution candidate. Whereas Friday basically took these costs from the low side (about as low as they'd even been) to the high side, today's improvements serve to moderate that movement back toward somewhat of a middle ground. In another way of looking at things, you could think of the past three days as 3.875% best-ex rates being...(read more)Forward this article via email:  Send a copy of this story to someone you know that may want to read it.
Nearly 100 Metro Areas on Improving Market List - 18 hours ago
Posted To: MND NewsWireThe list of Improving Housing Markets (IHM) maintained by the National Association of Home Builders (NAHB) took another big jump in February, rising from 76 in January and more than doubling the 41 reported in December. There are now 98 metropolitan areas representing 36 states included on the list. The IHM identifies metropolitan areas that have shown improvement from their respective troughs on each of three metrics - employment, housing permits, and home prices - for at least six consecutive months. NAHB uses data from the Bureau of Labor Statistics, the U.S. Census Bureau, and Freddie Mac to measure improved performance. The additions to the February Index include some metropolitan areas that had been particularly weak including Miami, Detroit, Memphis, Kansas City, Missouri; Portland,...(read more)Forward this article via email:  Send a copy of this story to someone you know that may want to read it.