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Reviews

  • John is personable, professional, attentive, knowledgeable, and very generous with his time...read more

  • I would recommend John to anyone looking for residential real estate mortgage work in New York and Connecticut....read more

  • seasoned professional who returns calls and answers concerns in a more than timely fashion..read more

  • knowledgable about the industry and considers the total picture, as well as the individual situation...read more

NAMC Press

  • Click here for more press

  • October 2nd, 2012 Bloomberg Radio, The Hays Advantage Kathleen Hays and John Sauro, discuss the state of the Real Estate Market...listen

  • May 30th, 2012 Bloomberg Radio, The Hays Advantage Kathleen Hays and John Sauro, discuss the state of the Real Estate Market... read

 

Rates Disclosure

The APR for the 30 year jumbo fixed rate is calculated using a maximum loan amount of $729,000 amortized over 30 years for a maximum loan to value of 80% and a minimum credit score of 720 with No points.

The APR for the 30 year conforming mortgage is calculated using a maximum loan amount of $417,000 amortized over 30 years for a maximum loan to value of 80% and a minimum credit score of 720 with No points.

The APR for the 10/1 Arm is calculated using a maximum loan amount of $1,000,000 amotized over 30 years for a maximum loan to value of 80% and a minimum credit score of 720 with No points. The Index used is the Monthly Average Yield of U.S. Treasuries adjusted to a constant maturity of one year with a margin of 2.75% and caps of 5/2/5.

The APR for the 7/1 Arm is calculated using a maximum loan amount of $1,000,000 amotized over 30 years for a maximum loan to value of 80% and a minimum credit score of 720 with No points. The Index used is the Monthly Average Yield of U.S. Treasuries adjusted to a constant maturity of one year with a margin of 2.75% and caps of 5/2/5.

The APR for the 5/1 Arm is calculated using a maximum loan amount of $1,000,000 amotized over 30 years for a maximum loan to value of 80% and a minimum credit score of 720 with No points. The Index used is the one year T-Bill with a margin of 2.50% and caps of 2/2/6

The APR for the 3/1 Arm is calculated using a maximum loan amount of $1,000,000 amotized over 30 years for a maximum loan to value of 80% and a minimum credit score of 720 with No points. The Index used is the Monthly Average Yield of U.S. Treasuries adjusted to a constant maturity of one year with a margin of 2.75% and caps of 5/2/5.

 

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