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Client Memo – Mortgage Rates
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As you may have been reading in the papers due to the European debt crisis mortgage rates in the United States are at 50-year lows.  If you currently have a variable-rate mortgage or a fixed-rate mortgage above 5% interest, I would encourage you to consider replacing the mortgage with a new fixed-rate loan.  Confirming loans, which are loans below $417,000, have rates for 15-year loans in the low 4% range; and for larger loans, the rates are in the mid to high 4% range.

If you need a referral for a mortgage lender, we would be happy to make an introduction.  Or if you have any questions about whether this makes sense for you to consider, please contact us.  You may also want to consider paying down or retiring your mortgage if the rate you are earning on your investments and liquid cash is below the rate you are paying on your mortgage.

If you have any questions regarding the above mortgage rates information, please do not hesitate to contact us.

Disclosures

Cerity Partners LLC (“Cerity Partners”) is an SEC-registered investment adviser with offices across the United States. Registration as an investment adviser does not imply any level of skill or training.

The information provided is not intended as personalized investment, tax, or legal advice. There is no guarantee that any opinions, projections, or views expressed will materialize. You should consult a qualified professional before making financial decisions.

Information is subject to change without notice and is believed to be reliable but is not guaranteed. For Cerity Partners’ registration status, please visit the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov.

For additional details about our services, fees, or potential conflicts of interest, please request our disclosure statement, including Form CRS and ADV Part 2, using the contact information provided.

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