AimLoan Spring Newsletter Spring Newsletter

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As spring winds to an end and summer is right around the corner, the traditional home buying season begins to heat up as well.

Home Sales Projected to Rise

Economists are projecting this to be the best year for home sales since 2007, as rent prices have increased 11% in the past three years while interest rates remain at historic lows and home prices are still affordable in most parts of the country.

The census bureau reports that the homeownership rate was 63.7% in the first quarter of 2015, 1.1% below the rate a year earlier, and 5.5% below the peak of 69.2% in 2004. Over the past several years, our country has (re)learned a hard lesson that not everyone is ready to be a homeowner. But for those that have demonstrated the ability to responsibly manage credit, and can document their ability to repay, we offer two great programs for qualified homebuyers without much of a down payment:

VA 100% Financing: The best option by far if you're active duty military, a reservist, national guard, veteran, or surviving spouse. This is a benefit all Americans who have served our country deserve and should take advantage of.

Fannie Mae 97% Financing: A great alternative for borrowers not eligible for the VA program. First time homebuyers (defined as not owning a home in the past three years) only require a 3% down payment; others require just a 5% down payment.

Learn more about low down payment programs by visiting

Recruiting Experienced Bank CFO

In preparation for the eventual filing of an application for a bank charter (more to follow in future newsletters), AimLoan is seeking an experienced Chief Financial Officer with a strong background in banking and/or mortgage banking. Qualified candidates are asked to send their resumes to

When Will Rates Rise?  The Guessing Game Continues.

Economists have been predicting an increase in rates for so long now that it's easy to become complacent and think it will never happen. A word to the wise: From my 30 years of experience, when rates do move up, they can move fast. If your current mortgage was taken out before the summer of 2011, or after the summer of 2013, please take a minute to perform a quick rate search on our website (no personal information required) at

AimLoan Rates to $417,000 - June 6, 2015
30-Year Fixed
Rate Points APR
3.875% 0 3.925%
15-Year Fixed
Rate Points APR
3.000% 0 3.087%
VA 30-Year Fixed
Rate Points APR
3.500% 0 3.722%

AimLoan Jumbo Rates to $1,000,000 - June 6, 2015
30-Year Fixed
Rate Points APR
3.875% 0 3.896%
15-Year Fixed
Rate Points APR
3.375% 0 3.412%
5/1 ARM
Rate Points APR
3.000% 0 3.020%

View All Programs, Rates, Closing Costs and Monthly Payments

Credit Tip

Did you know that credit bureaus are legally allowed to sell lists of consumers who have recently had a credit report run? This is why you will be flooded with calls and solicitations shortly after you complete a loan application. Fortunately, the law provides a means for consumers to 'Opt Out' by visiting

Additional peace and quiet can be found by registering your phone numbers on the National Do Not Call Registry, which can be accessed at Hopefully one day our country will adopt an 'Opt In' system, but until then consumers must take the time to 'Opt Out' of these unwanted calls and solicitations. For more credit tips, visit

Community Involvement

The Associates of AimLoan selected some terrific nonprofits as beneficiaries of our 2015 quarterly community service campaigns. We were proud to present $28,760 to Meals on Wheels in the first quarter. Learn more about our community involvement by visiting

Check Presentation


The Associates of AimLoan wish you a bright and beautiful springtime season, filled with much joy and renewal.



Vince Kasperick
Founder and President 

p.s. If you found this quarterly newsletter to be informative, please forward it on to others you know.  Friends can sign up at, 4121 Camino Del Rio South, San Diego, CA 92108   (888) 793-2161

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Rates, points and APRs assume purchase or rate/term refinance, SFR or condo, 740+ FICO score, escrow account, conforming mortgage of $417,000 at 75% LTV, jumbo mortgage of $1,000,000 @ 65% LTV, and VA mortgage of $400,000 at 100% LTV (purchase) or 90% LTV (refinance). Rates as of date shown and subject to change. View all programs, rates, closing costs and monthly payments at

NMLS #2890; Licensed by the Department of Business Oversight, under the California Residential Mortgage Lending Act License 413-0477; Georgia Residential Mortgage Licensee 19930; Illinois Residential Mortgage Licensee MB6759981; Kansas licensed mortgage company MC.0025069; Licensed by the New Hampshire banking department 10334-MB; Licensed Mortgage Banker - NYS Department of Financial Services; Licensed by the Oregon Division of Finance and Corporate Securities Mortgage Lending License ML-3215.