FIRST RATE MORTGAGE
SERVICES, INC.

EVERYTHING ABOUT US IS "FIRST RATE!"

INTEREST RATES as of FRIDAY, March 1, 1997
TYPEINTEREST RATEPTS% DOWNLOAN RANGE LOCK (days)A.P.R.
30yr
Fixed		7.875%0550-214,600308.04
15yr
Fixed		7.50%0550-214,600307.75
1yr
ARM		5.75%0550-214,600308.21
30yr
Jumbo		8.00%010215-650,000308.06
30yr
VA		8.25%1050-203,000308.37


These rates and programs are for illustrative purposes only and do not constitute a loan agreement. Prices and programs subject to change without notice. Other mortgage loans, rates and discount point options available. Interest Rates subject to change without notice.


Pre-qualify with our on-line form.

WE MAY NOT BE THE BIGGEST,
BUT WE ARE AMONG THE BEST!



First Rate Mortgage Services, Inc. has over 60 years of experience in the banking, finance, real estate and title insurance industries. We provide loans and services for the purchase or refinance of owner occupied, nonowner occupied (2nd home and investor) single family residences, condominiums, mobile homes, duplexes, triplexes and commercial properties anywhere in the state of Florida. All borrowers, regardless of credit problems or prior bankruptcies are handled in a highly professional and confidential manner. We pride ourselves in our HONESTY, INTEGRITY AND TRUSTWORTHINESS.

PEOPLE ARE IMPORTANT!


AS YOUR MORTGAGE BROKER, WE REPRESENT YOU!, NOT THE LENDER!
Since real estate tends to represent the single largest investment most of us ever make, it is vital to secure the best financing available. Every borrower has different needs and every lender has its own rules and programs.

The difficulty for most people in shopping for their loan is that they do not know all the right questions to ask. Adding to that difficulty is the fact that most lenders have only two or three programs to offer, so their job is to sell you what they have rather than find the program that fulfills your needs.

Lenders from all over the country send us daily rate quotes on their loan programs. However, many loan programs may not fit the particular needs of the borrower. That's why working closely with you, we are able to seek out the lending program that truly fits your needs, not the lender's.

We will explain all your options and assist you in making a fully informed choice. Since our fee is based on the loan transaction, we are not motivated to negotiate a loan that you do not want or need.

THE MORTGAGE BROKER IS COMMITTED TO CUSTOMER SATISFACTION!
We know that for us, one of the most important considerations with any loan is simply to STAY IN CONSTANT TOUCH with the borrower. We also know the importance of getting the job done in a timely manner. We are proud of the number of referrals sent to us by satisfied borrowers and we are committed to earning the respect and confidence of every single client.

FIRST RATE MORTGAGE
SERVICES, INC.
600 Bypass Drive, Suite 118
Clearwater, Florida 34624
Licensed Mortgage Brokerage Business



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