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How the “Average Joe” can purchase a home in today’s market.

Graham Pruitt

Published 10 months ago

Did you know that in 2019 the "average" FICO increased up to 703? That is incredible for consumers wanting to enter today's housing market. But, with the "great recession of 2008", Fannie Mae altered what they considered "average" FICO scores with pricing or rate adjustments. Those alterations are called LLPA ( loan-level price adjustments ), in simple terms, they raised the bar of what average in their view. So with that, I put this educational video to help the "Average Joe", who has worked so hard to better their FICO scores obtain a better and who some more affordable housing. (https://www.cnbc.com/2019/09/10/average-fico-score-hits-all-time-high.html )

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Christopher L.

"Excellent experience…."

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Balaji M.

"Graham is a thorough professional, highly knowledgeable, dependable and a very pleasant personality. He was with us throughout the process, until we closed. He gave us timely advice, excellent analytics and multiple options for all our financial challenges. We would like to thank him and wishing him only the best !! I am happy to refer him to my friends and contacts."

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Lauren A.

"Graham was easy to talk to and didn't give us the runaround/vague answers. We switched lenders to Intercoastal because Graham answered our questions directly and made us feel more comfortable. At the very end, his team was exceptionally fast with their underwriting process and our final rates & closing costs were better than we would have gotten with the original lender. (I've already recommended Graham and his team to a friend.)"

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National Rate Averages

Conf. 30Y Fixed

3.067%
-0.003

FHA 30Y Fixed

3.137%
-0.021

Jumbo 30Y Fixed

3.026%
-0.004

Rate averages are calculated from actual locked rates. Learn more.

Intercoastal Mortgage LLC

Company NMLS# 56323

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Company NMLS ID # 56323 (www.nmlsconsumeraccess.org) • This is an advertisement, not a guarantee of lending. • Licensed in Virginia, Maryland,
Washington DC, Delaware, Pennsylvania, West Virginia, Tennessee, Colorado, North Carolina, South Carolina, Georgia and Florida • ICM,LLC 072020

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