COSI
LOAN - COST OF SAVINGS INDEX
ALSO KNOWN AS THE PICK-A-PAYMENT LOAN OR EQUITY BUILDER LOAN
REFINANCE
OUT OF A COSI LOAN FROM WACHOVIA OR WORLD SAVINGS. IF YOU HAVE A WACHOVIA
/ WORLD SAVINGS OPTION ARM -- THEY ARE NOW WAIVING THE PREPAYMENT PENALTY
SO THAT YOU CAN REFINANCE BEFORE RATES GO UP.
PLEASE CALL 866-535-8987 ABOUT YOUR AVAILABLE OPTIONS EVEN IF YOU ARE
OWE MORE THAN YOUR HOME IS WORTH.
DUE
TO MARKET CONDITIONS, THE OPTION ARM IS GONE.
For
more information
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tollfree - 1-866-535-8987
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COSI - cost
of savings index. This Lender borrows money from consumers in the
form of deposits, i.e. C/D's, checking and savings accounts, and then
lends the money out as home mortgages. Then they place a fixed "Margin"
on top of their own Index. The interest rates in effect on these deposits
are the basis for the COSI. The COSI is not based on actual interest paid
on deposit accounts, but rather on a weighted annualized rate of all interest
rates in effect on deposit accounts as of the last day of each month.
FOR MORE INFORMATION ON A COSI LOAN CALL 866-535-8987
OR FILL OUT OUR ONLINE MORTGAGE APPLICATION
COSI
INDEX FROM JANUARY 01 THRU 2006 (Check back for updates)
|
| Jan
02 |
5.520% |
Jan
02 |
3.390%
|
Jan
03 |
2.560%
|
Jan
04 |
1.850% |
Jan
05 |
2.190% |
Jan
06 |
3.360% |
| Feb
02 |
5.540% |
Feb
02 |
3.270%
|
Feb
03 |
2.470%
|
Feb
04 |
1.850% |
Feb
05 |
2.280% |
Feb
06 |
3.460% |
| Mar
02 |
5.470% |
Mar
02 |
3.150%
|
Mar
03 |
2.300%
|
Mar
04 |
1.850% |
Mar
05 |
2.390% |
Mar
06 |
3.560% |
| Apr
02 |
5.350% |
Apr
02 |
3.040%
|
Apr
03 |
2.250%
|
Apr
04 |
1.850% |
Apr
05 |
2.520% |
Apr
06 |
3.660% |
| May
02 |
5.210% |
May
02 |
2.980%
|
May
03 |
2.170%
|
May
04 |
1.850% |
May
05 |
2.610% |
May
06 |
3.790% |
| June
02 |
5.030% |
June
02 |
2.940% |
June
03 |
2.140%
|
June
04 |
1.880% |
June
05 |
2.700% |
June
06 |
3.940% |
| July
02 |
4.800% |
July
02 |
2.920%
|
July
03 |
2.120%
|
July
04 |
1.910% |
July
05 |
2.780% |
July
06 |
|
| Aug
02 |
4.600% |
Aug
02 |
2.890%
|
Aug
03 |
2.060%
|
Aug
04 |
1.940% |
Aug
05 |
2.890% |
Aug
06 |
|
| Sept
02 |
4.390% |
Sept
02 |
2.850%
|
Sept
03 |
2.030% |
Sept
04 |
1.970% |
Sept
05 |
2.970% |
Sept
06 |
|
| Oct
02 |
4.190% |
Oct
02 |
2.810%
|
Oct
03 |
1.950%
|
Oct
04 |
2.000% |
Oct
05 |
3.060% |
Oct
06 |
|
| Nov
02 |
3.890% |
Nov
02 |
2.740% |
Nov
03 |
1.870% |
Nov
04 |
2.020% |
Nov
05 |
3.140% |
Nov
06 |
|
| Dec
02 |
3.590% |
Dec
02 |
2.630%
|
Dec
03 |
1.860% |
Dec
04 |
2.080% |
Dec
05 |
3.240% |
Dec
06 |
|
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