Rob Pastega

Mortgage Forms

To assist you in your mortgage process, we have provided a mortgage application for you to download and print. The application should be completed with the assistance of a mortgage professional. You will need a browser compatible with PDF files or you will need to download Adobe Acrobat Reader to view and print PDF files on all major computer platforms.

PDF forms available for download:

	Authorization to release information
	CA RE Agency Disclosure
	Disclosure notices
	LoanApplication
	Privacy Policy
	Servicing Disclosure

	CA Fair Lending Notice
	Credit score information disclosure
	Equal Credit Opportunity Act
	Mortgage Loan Origination Agreement
	Right to receive appraisal
	truth in lending

<< Download Acrobat Reader to read the forms

	Conforming	Jumbo
	Rate	Rate
30 Yr Fix Rate	5.75%	7.25%
15 Yr Fix Rate	5%	6.375%
5/1 ARM	5%	6.375%
3/1 ARM	5.375%	6.875%
7/1 ARM	5.25%	6.5%
Additional rates and programs are available
Read Me
(Last Updated : 3/2/2008 )

Interest rates continue to maintain a beneficial level for buyers and those refinancing to solidify long term rates. Lenders, however, continue to tighten guidelines and make it more difficult for borrowers to qualify. Lenders are ultimately seeking more capable borrowers and substantially reducing their risk. They are reacting to the abundance of defaults and foreclosures. Inherently, lenders are currently enduring major losses and are writing off a tremendous amount of “bad debt”.
~ Rob Pastega

- NO COST Home Equity Line of Credit @ Prime minus .25% for qualified borrowers.
- BUYERS!!! Save 75% on your loan when I represent you for both (real estate purchase and applicable financing)