About Jim Adams
Jim Adams has valued education, experience, and giving back to the communities he serves. Jim has a BS in Business Administration from The Pennsylvania State University (College Park) where he notably played 4 years of College Hockey being Captain his senior year, MBA from Villanova University, and CPA (Certified Public Accountant). In addition, Jim provides weekly video's to 4,000+ realtors on what's happening in the Real Estate/Mortgage Industries and works with CPA's and Financial Advisors using software such as Mortgage Coach. Jim has over 25+ years in the Mortgage Industry and utilizes his education and experience to be a trusted advisor to his clients with a customer for life philosophy. Jim lives with his wife Jennifer of 25 years, along with their 3 children, Katherine, Daniel, and Caroline. Jim is very active in the community, consistently year of year supporting local charities along with his most recent efforts with his daughter Katherine, GRL MKT. The GRL MKT not-for-profit organization has a mission statement of providing unique opportunity to girls as young as 7thgrade begin to learn what it's like to be a Marketing Professional in this fast pace and competitive business community. In his spare time Jim enjoys, skiing, ice skating, pickleball, and golfing.
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The competitive edge you need to purchase the home you want. Get a fast approval with options as little as 3% down.
Current mortgage rates
Points:
| Loan Type | Rate | APR | Points | Mo. Payment |
|---|---|---|---|---|
| 30-year fixed | 6.600% | 6.914% | 0.953 ($3335.50) | $2235.31 |
| 15-year fixed | 5.500% | 5.979% | 0.932 ($3262.00) | $2859.79 |
| FHA loan | 6.000% | 7.052% | 1 ($3052.50) | $1966.87 |
| VA loans | 5.990% | 6.517% | 0.945 ($3861.27) | $2447.14 |
| Jumbo loans | 6.250% | 6.441% | 0.841 ($7569.00) | $5541.45 |
* Rates current as of 4/5/2025 04:41 pm, provided by Jim Adams, for Fairfield County, CT, and are subject to change without notice.
Mortgage rates disclaimers
30 year, 15 year rate assumptions
- Purchase price: $437,500
- Down payment: 20.00%
- First Lien Position
- Primary residence
- 760 FICO Score
- 30 day rate lock
- 80.00% LTV ratio
FHA rate assumptions
- Purchase price: $310,880
- Down payment: 3.50%
- First Lien Position
- Primary residence
- 680 FICO Score
- 30 day rate lock
- 96.50% LTV ratio
Jumbo rate assumptions
- Purchase price: $1,200,000
- Down payment: 25.00%
- First Lien Position
- Primary residence
- 760 FICO Score
- 25 day rate lock
- 75.00% LTV ratio
VA rate assumptions
- Purchase price: $400,000
- Down payment: 0.00%
- First Lien Position
- Primary residence
- 680 FICO Score
- 30 day rate lock
- 100.00% LTV ratio
- Must meet eligibility assumptions to qualify
This is NOT a mortgage loan approval or commitment to lend.
The actual fees, costs, and monthly payment on your specific loan transaction may
vary, and may include city, county, or other additional fees and costs. Mortgage rates
are offered exclusively through Rate, Inc. and are subject to change without
notice. The payment amount does not include homeowners' insurance, flood insurance
(if applicable), or property taxes that must be paid in addition to your loan payment.
The displayed Annual Percentage Rate (APR) is a measure of the cost to borrow money
expressed as a yearly percentage. For mortgage loans, excluding home equity lines of
credit, it includes the interest rate plus other charges or fees (such as mortgage
insurance, discount points, and origination charges). These mortgage rates are based
upon a variety of assumptions and conditions, which include a consumer credit score
that may be higher or lower than your individual credit score. Your loan's interest
rate will depend upon the specific characteristics of your loan transaction and your
credit history up to the time of closing. Refinancing may cause finance charges to be
higher over the life of the loan. Rate, Inc. has no affiliation
with the US Department of Housing and Urban Development, the US Department of Veterans
Affairs, the Nevada Department of Veterans Services, the US Department of Agriculture,
or any other government agency.
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