Happy Holidays to all my wonderful clients and Realtors (Market Update Below) December 16th, 2011 1:31 PM In case you have not heard, this week we once again hit a “record low” for mortgage rates. This morning I priced out a VA 30 Year fixed at 3.75% and this is with 0 (ZERO) POINTS!!!!! (APR 3.875%) And better yet: Texas Vet VA is at 3.23% for a 30 year fixed (APR 3.35%) I know you’ve heard this before but rates cannot get any lower. Homes values are down in this buyer’s market and interest rates are the lowest they have ever been. Happy Holidays, Samuel Morales Residential and Commercial Loan Officer Office: (210) 257-0642 Mobile: (210) 286-7267 Fax: (210) 257-0510 www.yourloanofficer4life.com www.streamlinefha.org www.streamlinefha.net www.texasjumbomortgage.org NMLS: 295626