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"We still continue to see ARMs as the preferred jumbo product of choice, though fixed-rate terms are becoming more attractive," says James Campanella, residential mortgage manager at City National.

Maybe, but when the housing markets last started heading south about 12 years ago, the most overheated cities like Phoenix, Las Vegas and Miami suffered. the cost of a 30-year loan has backed down.

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Expert Mortgage Group, Inc., a full service Mortgage Broker located in Doral, Florida, was founded in February 2003 by Jeff and Marisel Lieberman. In a short time, the company has built a strong relationship as an outstanding mortgage firm serving the lending needs of individual home buyers, real estate professionals, and builders throughout.

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