Interest Rates

Phil Joseph
Branch Manager

Sr. Mortgage Loan Originator

Over 30 Years' Experience
Movement Mortgage

Rancho Bernardo Branch
11770 Bernardo Plaza Court #451

San Diego California 92128

Direct: 619.507.3558

Fax: 858.430.2557
Email: Phil@PhilJoseph.com

Website: www.PhilJoseph.com
NMLS# 249549

Licensed in California by the Department of Business

Oversight under the Residential Mortgage Lending Act 417-0015

Movement Mortgage may not be the lender for all products offered on this website. Some loans may be made by a lender with whom American Pacific has a business relationship. Equal Housing Opportunity.

	Interest Rates
Current Rates See what current rates are today. Rate Quote Get a rate quote from a mortgage professional. Several Factors Affect Your Mortgage Rate Learn about all of the different factors that can change the interest rate of a mortgage. Annual Percentage Rate (APR) The true cost of the loan to the borrower expressed in the form of a yearly rate. Lock In Your Interest Rate What is a rate lock for and why do you need one. Closing Costs Explained Closing costs are the actual expenses that the lender incurs in the origination of a new home loan. Should I Pay Points A point is an upfront fee that reduces your monthly interest rate and total interest due over the life of the loan. Mortgage Calculations by Hand Learn the formulas for calculating interest rates and payments.