Eric Newman (Mortgage Banker)

4.625% on 30yr Conv - 4.875% with zero origination)

4.500% on FHA 30yr - (4.750% with zero origination)

4.875% on 30yr Investment Property

3.500% 5yr ARM interest-only

5.500% 30yr Fixed Jumbo

4.250% 5yr ARM Jumbo (to $1million)

STOCKS SLIP AS DOLLAR STRENGTHENS, AND DELL'S REPORTED POOR EARNINGS ... No other significant economic news or reports on tap for today, so markets will take their cues from stocks and geo-political headlines. Next week will be a short week, and we may see investors taking a "safe" route. It's been just about a year since the first major rate drop, which happened November 25, 2008. Will the holidays this year be volatile?

DO YOU HAVE CLIENTS WITH CREDIT "ISSUES" ... or even ANYTHING negative on their credit reports? There is now a way to REMOVE PERMANENTLY any derogatory line items on the credit report, even if it is valid. I'm working with a company who has helped over 135,000 people clean their credit, and they have NEVER lost a case. The average client sees a 60-100 point jump in their scores in 60-90days or less. Higher credit scores can mean the difference in loan approval, and HUGE savings through better interest rates on homes, cars, insurance, credit cards, and more. REPLY for more information.

MAJOR LENDING GUIDELINE CHANGES VERY SOON. You need to know what's going on ... Realtors, prepare your clients. FHA Streamline now requires full-documentation, and the debt-to-income ratios for Conventional will be lowered by 5%. Many of the loans we do have clients with DTI between 45-50%. Under the new rules, the max will be 45%. If you have a client with high debt, get them to buy or refinance NOW. These changes are across the board with ALL LENDERS. It will have an impact on how much your clients can afford to borrow.

HOW TO GUARANTEE THE BEST RATE - In order to lock anything, we need to have income/asset info on file. Purchases require Sales Contract. Currently, we have historic low rates. If we lock today, and rates dip significantly while we're processing the loan, we can look to renegotiate with our investor to give you the lower rate. If you have a lower target rate, then apply today (get info on file) and we'll be ready if rates dip. As a courtesy, if rates swing lower 4-6 months after you close a loan with us, we can in many cases do a no-cost refi to the lower rate. Don't miss a great opportunity!

Apply Online 24/7 at www.GoNorthwestLoans.com/applyNow.html.

Or call 503.698.5801 and do it by phone.

Here's a quick snapshot of today's most popular programs:

Conforming - (up to $417k)

30yr fixed 4.625% (4.789apr) - Owner-Occupied - 4.875% with zero origination

15yr fixed 4.250% (4.412apr) - Owner-Occupied - 4.375% with zero origination

30yr fixed 4.875% (5.092apr) - Investment 25%down 1.5pts - or 5.000% at 1pt

5/1 ARM i-o 3.500% (3.415apr) - fixed for first 5yrs - interest only minimum pmt

30yr FHA 4.500% (5.187apr) - 4.750% with zero origination - similar for VA or USDA

Jumbo - (over $417k)

30yr fixed 5.500% (5.621apr) - up to $500k at this rate

30yr fixed 5.750% (5.902apr) - up to $600k at this rate

30yr fixed 6.125% (6.296apr) - up to $700k at this rate

30yr fixed 6.375% (6.527apr) - up to $850k at this rate

30yr fixed 6.625% (6.798apr) - up to $1,500,000 at this rate

5/1 ARM 4.250% (4.183apr) - fixed for first 5yrs - up to $1million

NOTE - These rates are just a sampling of the thousands of programs we have available from over to fit virtually any situation. The above-listed rates assume a purchase loan with excellent credit (740+), at or below required loan-to-value ratio (varies by program, call for details), and required income documentation. This is PAR pricing with standard origination and underwriting fee. Very competitive rates are also available for borrowers needing a higher loan-to-value, and those with lower credit scores and/or challenges. Rates are subject to change without notice. Please email or call us for accurate quotes and pre-approvals.

Current Product Offerings:

Purchase, Refinance, Construction, Land loans, Lot loans, Farms, Commercial, Investment Property, Single & Multi-family, Business acquisition & refinance, Conventional, FHA, VA, USDA, Reverse, Cash-out, No-Cost refi's available

and most of these loans can be done on our in-house bank lines (faster and cheaper)

Have a successful day ... call or email me with any scenarios!

ERIC

4.625% on 30yr Conv - 4.875% with zero origination)

4.500% on FHA 30yr - (4.750% with zero origination)

4.875% on 30yr Investment Property

3.500% 5yr ARM interest-only

5.500% 30yr Fixed Jumbo

4.250% 5yr ARM Jumbo (to $1million)

UNEMPLOYMENT STILL RISING AND SO ARE MORTGAGE DELINQUENCIES ... Nearly ¼ of all FHA loans are at least 30days behind, and mortgage defaults hit a new high in 3^rd quarter. Rising unemployment is starting to hurt those with good credit, as we're starting to see foreclosures of those with prime loans. Optimists say the housing market is improving, but the pessimists say there's still a ton of foreclosures to be dumped on the market and higher inventory could continue to hurt values. But, the silver lining for some is that this news will most likely help keep rates down a little longer.

MAJOR LENDING GUIDELINE CHANGES VERY SOON. You need to know what's going on ... Realtors, prepare your clients. FHA Streamline now requires full-documentation, and the debt-to-income ratios for Conventional will be lowered by 5%. Many of the loans we do have clients with DTI between 45-50%. Under the new rules, the max will be 45%. If you have a client with high debt, get them to buy or refinance NOW. These changes are across the board with ALL LENDERS. It will have an impact on how much your clients can afford to borrow.

HOW TO GUARANTEE THE BEST RATE - In order to lock anything, we need to have income/asset info on file. Purchases require Sales Contract. Currently, we have historic low rates. If we lock today, and rates dip significantly while we're processing the loan, we can look to renegotiate with our investor to give you the lower rate. If you have a lower target rate, then apply today (get info on file) and we'll be ready if rates dip. As a courtesy, if rates swing lower 4-6 months after you close a loan with us, we can in many cases do a no-cost refi to the lower rate. Don't miss a great opportunity!

Apply Online 24/7 at www.GoNorthwestLoans.com/applyNow.html.

Or call 503.698.5801 and do it by phone.

Here's a quick snapshot of today's most popular programs:

Conforming - (up to $417k)

30yr fixed 4.625% (4.789apr) - Owner-Occupied - 4.875% with zero origination

15yr fixed 4.250% (4.412apr) - Owner-Occupied - 4.375% with zero origination

30yr fixed 4.875% (5.092apr) - Investment 25%down 1.5pts - or 5.000% at 1pt

5/1 ARM i-o 3.500% (3.415apr) - fixed for first 5yrs - interest only minimum pmt

30yr FHA 4.500% (5.187apr) - 4.750% with zero origination - similar for VA or USDA

Jumbo - (over $417k)

30yr fixed 5.500% (5.621apr) - up to $500k at this rate

30yr fixed 5.750% (5.902apr) - up to $600k at this rate

30yr fixed 6.125% (6.296apr) - up to $700k at this rate

30yr fixed 6.375% (6.527apr) - up to $850k at this rate

30yr fixed 6.625% (6.798apr) - up to $1,500,000 at this rate

5/1 ARM 4.250% (4.183apr) - fixed for first 5yrs - up to $1million

NOTE - These rates are just a sampling of the thousands of programs we have available from over to fit virtually any situation. The above-listed rates assume a purchase loan with excellent credit (740+), at or below required loan-to-value ratio (varies by program, call for details), and required income documentation. This is PAR pricing with standard origination and underwriting fee. Very competitive rates are also available for borrowers needing a higher loan-to-value, and those with lower credit scores and/or challenges. Rates are subject to change without notice. Please email or call us for accurate quotes and pre-approvals.

Current Product Offerings:

Purchase, Refinance, Construction, Land loans, Lot loans, Farms, Commercial, Investment Property, Single & Multi-family, Business acquisition & refinance, Conventional, FHA, VA, USDA, Reverse, Cash-out, No-Cost refi's available

and most of these loans can be done on our in-house bank lines (faster and cheaper)

Have a successful day ... call or email me with any scenarios!

ERIC

4.625% on 30yr Conv - 4.875% with zero origination)

4.500% on FHA 30yr - (4.750% with zero origination)

4.875% on 30yr Investment Property

3.500% 5yr ARM interest-only

5.500% 30yr Fixed Jumbo

4.250% 5yr ARM Jumbo (to $1million)

CONSUMER PRICE INDEX RISES, BUT NEW HOUSING START/PERMITS FALL SHARPLY ... and Gold is up sharply as the Dollar continues to slip. Currently we are barely hanging on to the pricing I have posted and MBS/Bonds are heading down.

MAJOR LENDING GUIDELINE CHANGES VERY SOON. You need to know what's going on ... Realtors, prepare your clients. FHA Streamline now requires full-documentation, and the debt-to-income ratios for Conventional will be lowered by 5%. Many of the loans we do have clients with DTI between 45-50%. Under the new rules, the max will be 45%. If you have a client with high debt, get them to buy or refinance NOW. These changes are across the board with ALL LENDERS. It will have an impact on how much your clients can afford to borrow.

Refinance to 105% LTV OR HIGHER !! - FINALLY we seeing some relief as a result of all the bailouts that will affect those of you who pay your mortgages on time, but have lost value in your homes. Available right now is a plan to allow refinance of a 1^st mortgage (no cashout) up to 105% loan-to-value. If you have a 2^nd, that will remain in place, regardless of loan-to-value. So, if you are current on pmts, and couldn't refi before due to lost value, this may work for you.

HOW TO GUARANTEE THE BEST RATE - In order to lock anything, we need to have income/asset info on file. Purchases require Sales Contract. Currently, we have historic low rates. If we lock today, and rates dip significantly while we're processing the loan, we can look to renegotiate with our investor to give you the lower rate. If you have a lower target rate, then apply today (get info on file) and we'll be ready if rates dip. As a courtesy, if rates swing lower 4-6 months after you close a loan with us, we can in many cases do a no-cost refi to the lower rate. Don't miss a great opportunity!

Apply Online 24/7 at www.GoNorthwestLoans.com/applyNow.html.

Or call 503.698.5801 and do it by phone.

Here's a quick snapshot of today's most popular programs:

Conforming - (up to $417k)

30yr fixed 4.625% (4.789apr) - Owner-Occupied - 4.875% with zero origination

15yr fixed 4.250% (4.412apr) - Owner-Occupied - 4.375% with zero origination

30yr fixed 4.875% (5.092apr) - Investment 25%down 1.5pts - or 5.000% at 1pt

5/1 ARM i-o 3.500% (3.415apr) - fixed for first 5yrs - interest only minimum pmt

30yr FHA 4.500% (5.187apr) - 4.750% with zero origination - similar for VA or USDA

Jumbo - (over $417k)

30yr fixed 5.500% (5.621apr) - up to $500k at this rate

30yr fixed 5.750% (5.902apr) - up to $600k at this rate

30yr fixed 6.125% (6.296apr) - up to $700k at this rate

30yr fixed 6.375% (6.527apr) - up to $850k at this rate

30yr fixed 6.625% (6.798apr) - up to $1,500,000 at this rate

5/1 ARM 4.250% (4.183apr) - fixed for first 5yrs - up to $1million

NOTE - These rates are just a sampling of the thousands of programs we have available from over to fit virtually any situation. The above-listed rates assume a purchase loan with excellent credit (740+), at or below required loan-to-value ratio (varies by program, call for details), and required income documentation. This is PAR pricing with standard origination and underwriting fee. Very competitive rates are also available for borrowers needing a higher loan-to-value, and those with lower credit scores and/or challenges. Rates are subject to change without notice. Please email or call us for accurate quotes and pre-approvals.

Current Product Offerings:

Purchase, Refinance, Construction, Land loans, Lot loans, Farms, Commercial, Investment Property, Single & Multi-family, Business acquisition & refinance, Conventional, FHA, VA, USDA, Reverse, Cash-out, No-Cost refi's available

and most of these loans can be done on our in-house bank lines (faster and cheaper)

Have a successful day ... call or email me with any scenarios!

ERIC

4.625% on 30yr Conv - 4.875% with zero origination)

4.500% on FHA 30yr - (4.750% with zero origination)

4.875% on 30yr Investment Property

3.500% 5yr ARM interest-only

5.500% 30yr Fixed Jumbo

4.250% 5yr ARM Jumbo (to $1million)

MANUFACTURING & PRODUCTION NUMBERS LOWER THAN EXPECTED ... and mortgage delinquencies hit another record in 3^rd quarter 2009. Wholesale inflation is up less in October and retail earnings are mixed. Another GOOD DAY for RATES!!

MAJOR LENDING GUIDELINE CHANGES VERY SOON.

This will affect ALL your clients. You need to know what's going on and prepare them to either move forward NOW, or be prepared. FHA Streamline will require full-documentation, and the debt-to-income ratios for Conventional will be lowered. This is across the board with ALL LENDERS. It will have an impact on how much your clients can afford to borrow. FHA changes become effective TODAY, and Conventional shortly after.

95% CONVENTIONAL LOANS NOW AVAILABLE IN OREGON & WASHINGTON! ... One of our Mortgage-Insurance companies just removed OR/WA from their list of declining markets, which is what has kept us at a lower LTV max. Now, we can finance Conventional purchases and non-cash refi's to 95% LTV, and cash-out refi's to 85% LTV. Second homes allowed up to 90% LTV. This is great news. Must meet income/credit guidelines.

Refinance to 105% LTV OR HIGHER !! - FINALLY we seeing some relief as a result of all the bailouts that will affect those of you who pay your mortgages on time, but have lost value in your homes. Available right now is a plan to allow refinance of a 1^st mortgage (no cashout) up to 105% loan-to-value. If you have a 2^nd, that will remain in place, regardless of loan-to-value. So, if you are current on pmts, and couldn't refi before due to lost value, this may work for you.

HOW TO GUARANTEE THE BEST RATE - In order to lock anything, we need to have income/asset info on file. Purchases require Sales Contract. Currently, we have historic low rates. If we lock today, and rates dip significantly while we're processing the loan, we can look to renegotiate with our investor to give you the lower rate. If you have a lower target rate, then apply today (get info on file) and we'll be ready if rates dip. As a courtesy, if rates swing lower 4-6 months after you close a loan with us, we can in many cases do a no-cost refi to the lower rate. Don't miss a great opportunity!

Apply Online 24/7 at www.GoNorthwestLoans.com/applyNow.html.

Or call 503.698.5801 and do it by phone.

Here's a quick snapshot of today's most popular programs:

Conforming - (up to $417k)

30yr fixed 4.625% (4.789apr) - Owner-Occupied - 4.875% with zero origination

15yr fixed 4.250% (4.412apr) - Owner-Occupied - 4.375% with zero origination

30yr fixed 4.875% (5.092apr) - Investment 25%down 1.5pts - or 5.000% at 1pt

5/1 ARM i-o 3.500% (3.415apr) - fixed for first 5yrs - interest only minimum pmt

30yr FHA 4.500% (5.187apr) - 4.750% with zero origination - similar for VA or USDA

Jumbo - (over $417k)

30yr fixed 5.500% (5.621apr) - up to $500k at this rate

30yr fixed 5.750% (5.902apr) - up to $600k at this rate

30yr fixed 6.125% (6.296apr) - up to $700k at this rate

30yr fixed 6.375% (6.527apr) - up to $850k at this rate

30yr fixed 6.625% (6.798apr) - up to $1,500,000 at this rate

5/1 ARM 4.250% (4.183apr) - fixed for first 5yrs - up to $1million

NOTE - These rates are just a sampling of the thousands of programs we have available from over to fit virtually any situation. The above-listed rates assume a purchase loan with excellent credit (740+), at or below required loan-to-value ratio (varies by program, call for details), and required income documentation. This is PAR pricing with standard origination and underwriting fee. Very competitive rates are also available for borrowers needing a higher loan-to-value, and those with lower credit scores and/or challenges. Rates are subject to change without notice. Please email or call us for accurate quotes and pre-approvals.

Current Product Offerings:

Purchase, Refinance, Construction, Land loans, Lot loans, Farms, Commercial, Investment Property, Single & Multi-family, Business acquisition & refinance, Conventional, FHA, VA, USDA, Reverse, Cash-out, No-Cost refi's available

and most of these loans can be done on our in-house bank lines (faster and cheaper)

Have a successful day ... call or email me with any scenarios!

ERIC

4.625% on 30yr Conv - 4.875% with zero origination)

4.500% on FHA 30yr - (4.750% with zero origination)

4.875% on 30yr Investment Property

3.500% 5yr ARM interest-only

5.500% 30yr Fixed Jumbo

4.250% 5yr ARM Jumbo (to $1million)

RETAIL SALES COME IN WORSE THAN EXPECTED - fantastic pricing today!!

ONLY ONE DAY LEFT TO DO FHA STREAMLINE BEFORE RULES CHANGE!

MAJOR LENDING GUIDELINE CHANGES VERY SOON.

This will affect ALL your clients. You need to know what's going on and prepare them to either move forward NOW, or be prepared. FHA Streamline will require full-documentation, and the debt-to-income ratios for Conventional will be lowered. This is across the board with ALL LENDERS. It will have an impact on how much your clients can afford to borrow. FHA changes become effective Nov 17^th, and Conventional shortly after.

TODAY IS LAST DAY FOR FHA STREAMLINE REFINANCES UNDER CURRENT RULES - The rules for Streamline FHA refinances are changing in a big way very soon. As of now, we just go off their original loan amount, with no appraisal and no income/asset documentation. They can also LEAVE an existing 2^nd mortgage in place to unlimited loan-to-value. VERY easy to lower their rate. Starting November 17^th, they will have to document their income, will have to own the home for a certain time, have cleaner credit, have a max limit on LTV, and more.

LOOK IN YOUR CLOSED DATABASE for anyone that bought using FHA and call/email them about refinancing. With these rates and loose guideline for the next two weeks only, it's the best chance they will every have to see a rate reduction, with minimal cost. Have them call me right away to evaluate their benefit level.

95% CONVENTIONAL LOANS NOW AVAILABLE IN OREGON & WASHINGTON! ... One of our Mortgage-Insurance companies just removed OR/WA from their list of declining markets, which is what has kept us at a lower LTV max. Now, we can finance Conventional purchases and non-cash refi's to 95% LTV, and cash-out refi's to 85% LTV. Second homes allowed up to 90% LTV. This is great news. Must meet income/credit guidelines.

Refinance to 105% LTV OR HIGHER !! - FINALLY we seeing some relief as a result of all the bailouts that will affect those of you who pay your mortgages on time, but have lost value in your homes. Available right now is a plan to allow refinance of a 1^st mortgage (no cashout) up to 105% loan-to-value. If you have a 2^nd, that will remain in place, regardless of loan-to-value. So, if you are current on pmts, and couldn't refi before due to lost value, this may work for you.

HOW TO GUARANTEE THE BEST RATE - In order to lock anything, we need to have income/asset info on file. Purchases require Sales Contract. Currently, we have historic low rates. If we lock today, and rates dip significantly while we're processing the loan, we can look to renegotiate with our investor to give you the lower rate. If you have a lower target rate, then apply today (get info on file) and we'll be ready if rates dip. As a courtesy, if rates swing lower 4-6 months after you close a loan with us, we can in many cases do a no-cost refi to the lower rate. Don't miss a great opportunity!

Apply Online 24/7 at www.GoNorthwestLoans.com/applyNow.html.

Or call 503.698.5801 and do it by phone.

Here's a quick snapshot of today's most popular programs:

Conforming - (up to $417k)

30yr fixed 4.625% (4.789apr) - Owner-Occupied - 4.875% with zero origination

15yr fixed 4.250% (4.412apr) - Owner-Occupied - 4.375% with zero origination

30yr fixed 4.875% (5.092apr) - Investment 25%down 1.5pts - or 5.000% at 1pt

5/1 ARM i-o 3.500% (3.415apr) - fixed for first 5yrs - interest only minimum pmt

30yr FHA 4.500% (5.187apr) - 4.750% with zero origination - similar for VA or USDA

Jumbo - (over $417k)

30yr fixed 5.500% (5.621apr) - up to $500k at this rate

30yr fixed 5.750% (5.902apr) - up to $600k at this rate

30yr fixed 6.125% (6.296apr) - up to $700k at this rate

30yr fixed 6.375% (6.527apr) - up to $850k at this rate

30yr fixed 6.625% (6.798apr) - up to $1,500,000 at this rate

5/1 ARM 4.250% (4.183apr) - fixed for first 5yrs - up to $1million

NOTE - These rates are just a sampling of the thousands of programs we have available from over to fit virtually any situation. The above-listed rates assume a purchase loan with excellent credit (740+), at or below required loan-to-value ratio (varies by program, call for details), and required income documentation. This is PAR pricing with standard origination and underwriting fee. Very competitive rates are also available for borrowers needing a higher loan-to-value, and those with lower credit scores and/or challenges. Rates are subject to change without notice. Please email or call us for accurate quotes and pre-approvals.

Current Product Offerings:

Purchase, Refinance, Construction, Land loans, Lot loans, Farms, Commercial, Investment Property, Single & Multi-family, Business acquisition & refinance, Conventional, FHA, VA, USDA, Reverse, Cash-out, No-Cost refi's available

and most of these loans can be done on our in-house bank lines (faster and cheaper)

Have a successful day ... call or email me with any scenarios!

ERIC