With great mortgage rates, 2012 is right time to buy or refinance a home


Now is the right time to buy a new home! Sales of both new and existing homes are up for the first half of 2012, and the stage is set for a busy summer of buying and selling. Add to that further drops in interest rates (both for 15- and 30-year fixed mortgages and mortgage refinances) and strong consumer confidence in the value of homeownership, and all the right factors are in place for you to purchase you new home.

“With mortgage interest rates at historic lows – rates we haven’t seen in generations – this is an excellent time to refinance your current mortgage or purchase a new home,” says Bob Rowten at City Bank Mortgage.

“Now is truly the time to act in order to take advantage of unprecedented lows in the mortgage rate market,” he says. “The savings over the term of the mortgage can be dramatic on a refinance, and new home buyers have the opportunity to lock in a very favorable rate that will save them money year after year.”

Taking care of home buyers – from giving prospective homeowners access to the latest and most favorable mortgage programs and rates to maintaining open communication through the entire lending process – is a priority for Bob. Indeed, City Bank Mortgage’s mission is to build long-lasting relationships by delivering extraordinary financial solutions through unrivaled customer service, one customer at a time.

“We are customer service oriented, and we do our best for our customers,” says Bob.

Mortgage services available from Bob Rowten at City Bank Mortgage include:

• Conventional, FHA, and VA mortgages, including construction loans, jumbo loans and refinancing

• Process, underwrite and fund loans LOCALLY

Bob understands that today’s families are busier than ever before. To make the loan application process more convenient, Bob is pleased to offer online mortgage and refinance applications at his website, www.bobrowten.com.

From the website, clients can fill out a loan application, access mortgage calculators to see what payments might best fit their budget, and learn more about various mortgage programs and options. For homeowners considering a refinance, refi calculators can show the savings.

“Clients will appreciate the option of applying for a mortgage online, in person at our office, or over the phone,” Bob says. “Applications are processed within days, and being pre-qualified for a loan makes the search for a new home easier since you’ll know what you can afford. Plus, you’ll be ready to act when you find the right property for your family.”

Bob is eager to help home buyers throughout Texas and New Mexico. “We can lend anywhere, so no matter where life takes you, we can be your lender for life!”

For more information, call Bob at (806) 687-8015 or (806) 928-2120. You can also reach him at browten@citybanktexas.com. To apply online, visit www.bobrowten.com.

Visit Bob at City Bank Mortgage, located at 6524 82nd Street.

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