So you think you have to go through a big bank to get a loan?  Here's Chase's rates as of today that they posted on the web.  Not only could I beat their rates, I can also close this month too!  Chase is running about 60 days for purchases and longer for refinances.  What are you waiting for?  If you own a home that is currently "under water", let's talk too!  There are some programs that don't require appraisals.  Email me today at jcombs@firstcal.net.