Hi MG,
I can do a pre-approval on a 5 year term @ 3.09% fixed, or variable at prime - 0.5 (2.50% currently). Once the deal goes live (you've found a home), you would get the lesser of the pre-approved rate or whatever their best rate is once the deal is live.
On fully live deals, I can do as low as 2.84%, or prime minus 0.65%. Pre-approvals do not mean you have to stay with that lender once the deal goes live, but it does guarantee that rate up to 120 days.
Feel free to shoot me an email at
gregmiller@mysmartcap.com if you'd like to set something up to get the process started. As you can see, rates are really low right now.
Thanks,
Greg