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TFS Mortgage News…Rates Rates Rates…

Rates are still low!! Call me with any scenarios!!!

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Weekly Mortgage Market Report
November 9, 2017
Presented by:
Richard Widmer
Richard Widmer
VP- New Business Development
NMLS #861176
Office 1-800-833-1862 ext 116
Cell 908-705-1498
Send an email Email Visit my Website Website
TFS Mortgage Corporation. Inc
Weekly Interest Rate Report Image
(most recent)
& Fees
 30-Year Fixed Rate 3.90% 0.4 N/A
 15-Year Fixed Rate 3.24% 0.5 N/A
 5/1-Year ARM 3.22% 0.5 2.74
(previous week)
& Fees
 30-Year Fixed Rate 3.94% 0.5 N/A
 15-Year Fixed Rate 3.27% 0.5 N/A
 5/1-Year ARM 3.23% 0.5 2.74
“After holding steady last week, rates dipped slightly this week. The 10-year Treasury yield fell roughly 7 basis points, while the 30-year mortgage rate dropped 4 basis points.”
– Sean Becketti, chief economist, Freddie Mac
The data presented above are the exact published results of Freddie Mac’s Primary Mortgage Market Survey® (PMMS®) and are provided for informational purposes only. The data are not rate quotes and are not intended as an advertisement of interest rates as defined by Regulation Z, Section 1026.2.
The financial and other information contained herein speaks only as of the date posted herein. In general, the data presented were calculated from information collected Monday through Wednesday of the same week that the PMMS is released and may not reflect mortgage rates, fees or points currently available. Averages are for conforming mortgages with 20% down. Average fees and points are provided to reflect the total upfront cost of obtaining a mortgage (one point equals one percent of the loan amount). Freddie Mac, and/or the provider of this information, is/are not responsible for business decisions made based on the reported results of the PMMS.

For the latest, up-to-the-minute mortgage rates and/or market information, contact:
Richard Widmer | TFS Mortgage Corporation. Inc
732-758-9300 |
437 Newman Springs Rd – Lincroft, NJ 07738
For mortgage company or individual licensing information, visit the Nationwide Mortgage Licensing System & Registry (
This is not a commitment to lend or extend credit. All loans, credit and collateral are subject to approval. Restrictions and conditions may apply. Terms, rates, data, programs, information and conditions are subject to change without notice, and may not be available in all areas.
Correspondent Residential Mortgage Lender, New Jersey Department of Banking & Insurance. Registered Mortgage Broker, NYS Banking Department. Florida Office of Financial Regulation, Licensed by the Pennsylvania Department of Banking , Loan Correspondent. NMLS ID 51460,TFS Mortgage Corporation arranges loans with third-party providers.
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Thomas P. Hyland, Jr.
Business Development Specialist
(732) 758-9300 x127

TFS Insurance Brokerage, Inc.

Insurance Products Offered through TFS Insurance Brokerage, Inc.
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If you have questions regarding these products, please contact the members of our marketing team, Thomas Hyland Jr. and Eric Edwards.

Thomas P. Hyland, Jr.
Business Development Specialist
Phone: (732) 758-9300 x127

Eric Edwards
Phone: (732) 758-9300 x125

TFS Insurance Brokerage, Inc.

Insurance Products Offered through TFS Insurance Brokerage, Inc.
Securities Offered Through TFS Securities, Inc. Member FINRA & SIPC
Investment Advisory Services Offered Through TFS Advisory Services
Mortgages Offered Through TFS Mortgage Corporation, Inc.


Dear Friends,

In the wake of an ever expanding wave of regulatory scrutiny surrounding American Realty Capital, Realty Capital Securities, and its founder Nicholas Schorsch, TFS Securities, Inc. has decided effective immediately, to suspend sales in products distributed by Realty Capital Securities, and their subsidiary SC Distributors.  Products affected by this change include Carter Validus Mission Critical REIT II and Sierra Income Fund.

Unlike many of our competitors, TFS Securities, Inc. has never approved or offered programs offered by ARC, RCS, or its affiliates.  TFS Securities, Inc. has performed extensive Due Diligence and approved agreements for the sale of the Carter Validus and Sierra programs when they were distributed by SC Distributors.  Last year, SC Distributors was acquired by Realty Capital.

While these investment funds are completely separate entities that are unaffected by the dynamics of the distributor, we feel that it is prudent to move onto the sidelines while these issues are worked out.  TFS has always taken an ultra-conservative position regarding DPPs, LPs, REITs, and BDCs.  This industry has enjoyed a 5+ year window of explosive capital raised and deployed into real estate, initially at discounts from appraised value and extremely attractive CAP Rates.  As with any other cycle, the deeper we get into that cycle, the selection of bargains are no longer as plentiful.

As always, we encourage you to focus diligently on client suitability and concentration guidelines.  Anyone with business in hand should submit this business in person or via overnight mail to be received at TFS no later than Thursday Morning 11/19.  Please understand that this is not a fire sale, nor an invitation to run out and force through a lot of business under the deadline.  This type of activity will be heavily scrutinized and will not likely be approved.

As always, your cooperation is greatly appreciated.  Please direct any questions to me at 732-758-9300  x 145 or via email at



Thomas P. Hyland


437 Newman Springs Road
Lincroft, NJ 07738
732-758-9300 Extension 145
800-833-1862 Extension 145

732-576-4501 FAX

Visit us on the web at

Securities Offered Through TFS Securities, Inc. Member FINRA & SIPC

Investment Advisory Services Offered Through TFS Advisory Services                                                                                                                                                                                                             SEC Registered Investment Advisor

Mortgages Offered Through TFS Mortgage Corporation, Inc.
Correspondent Residential Mortgage Lender, NJDOBI

Registered Mortgage Broker, NYS Banking Department

Licensed Mortgage Broker, FL Office of Financial Regulation

Company NMLS ID 51460; Personal NMLS ID 52474

Insurance Products Offered through TFS Insurance Agency, Inc.

TFS Securities, Inc. does not accept and can not act upon any time sensitive trading instructions through email and/or voice mail messages. This includes but is not limited to transaction orders, fund transfer instructions, etc.

Notice: All email and instant messages (including attachments) sent to or from TFS Securities, Inc. personnel may be retained, monitored and/or reviewed by TFS Securities, Inc. and its agents, or authorized law enforcement personnel, without further notice or consent.

This email and any files transmitted with it are confidential and intended solely for the use of the individual(s) to whom they are addressed. Any and all other distribution or copying of this communication are strictly prohibited. Please notify the sender immediately if this message is received in error.

No binding contract can be established by any e-mail exchange.  All contracts have to be approved by the President.

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