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 Don't be fooled by the "Low Interest" rates you here about on TV, Radio and the Internet.

 At Envoy Mortgage, Ltd., we monitor rates from major investors on a daily basis to assure our customers the lowest rate possible.

 

Envoy Mortgage Ltd., offers a variety of loan programs to meet your needs. We work with the leading lenders in the industry to provide:
 
30 year fixed
1, 3, 5, 7 Year ARM
Non conforming (Jumbo) 30 Year fixed
Non Conforming 1, 3, 5, 7, Year fixed ( above 417,000 )

30 year fixed

This loan is for those who want the security of a loan product that has a fixed payment for the life of the loan. We also offer this product in an interest only for a little more flexability.

Term: 30 years   Maximum Amount: $417,000

1, 3, 5, 7 Year ARM

Our ARM products are available in 1 year fixed to 7 year fixed. These products are for borrowers that have increasing income in the future. We don't recomend this product for those who are on a relaitivly stable income.

Term: 30 years   Maximum Amount: $417,000

Non conforming (Jumbo) 30 Year fixed

This loan product is for our customers who need higher loan amounts than our conforming limits ( above 417,000 )

Term: 30 years   Maximum Amount: $3,000,000

Non Conforming 1, 3, 5, 7, Year fixed ( above 417,000 )

Our Jumbo products are available in the 1, 3, 5, 7, year fixed products. Let one of our Mortgage Loan Specialits discuss these produts with you if you are purchasing a substantial home.

Term: 30 years   Maximum Amount: $3,000,000



Unless otherwise indicated, these APR calculations are based on the following: Conforming loans (whose maximum loan amount is below $417,000 for the contiguous states, District of Columbia, and Puerto Rico or below $625,500 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $417,000 with closing costs of $8,340. Jumbo Loans (whose maximum loan amount exceed $417,000 for the contiguous states, District of Columbia, and Puerto Rico or exceed $625,500 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $1,000,000 with closing costs of $20,000. Your actual APR may be different depending upon these factors.