Experience our 1st Class Customer Service and satisfy your financing goals

The Kirk Mulhearn Team provides one-stop shopping

With the radically changing finance and mortgage markets, customers need more then ever experienced mortgage planners, processors, and funders to get your loan funded quickly and inexpensively.  At Bristol Home Loans, the Kirk Mulhearn Team will take care of all the details and answer all of your questions.  We want to make sure that our clients are completely informed about what options they have and execute a clean process that leaves clients smiling. 

Buying a Home?

If you are in the process of purchasing a new home, whether it is your first time or you have already experienced the home buying process, we are pleased to assist you in procuring the best loan possible.  It is critical that you are given options on what kind of loans are available for your budget and compare different programs that will be the most economic and wise choice for your individual needs.  Loans need to be matched to the intent of the borrower and that is our expertise.

Refinancing your existing Home?

If you already own a home and would like to explore the process of getting a new loan, whether you want to just lower your rate, or take money out to consolidate bills, pay off credit cards, invest, or for any reason we can help make the transaction run quickly, smoothly, and as worry-free as possible.

Maximize this Great Website to get the best deal

At our website you can find tools available to answer virtually any mortgage question. Trying to decide if now is a good time to refinance? Check out our Refinance Mortgage Calculator. Wondering if a new home equity loan or second mortgage can lower your monthly payments? Use our Debt Consolidation Mortgage Calculator! Confused by all the loan programs from which to choose? Our Loan Program page will help you find the right type of loan for you. Also, we'll be happy to prepare a personalized mortgage quote for the home mortgage program of your choice.

	Mortgage News Daily FDIC Selling Mortgage Assets of Failed Banks; "Good" Foreclosure Stats; Updates from: Chase, WAMU, USB, Wells, FAMC,SunTrust - 1 hour ago Posted To: Pipeline PressAs the lyrics from "Green Acres" noted, "New York is where I'd rather stay. I get allergic smelling hay. I just adore a penthouse view. Dah-ling I love you but give me Park Avenue." New York regulators on Friday closed the Park Avenue Bank with total assets of $520 million and total deposits of $494 million. The FDIC has arranged for Valley National Bank (NJ) to run it. (Valley National is also taking over LibertyPointe Bank, which was shuttered Thursday.) Down in Florida Old Southern Bank was shut down, and will be run by Centennial Bank out of Arkansas. And in Louisiana, Statewide Bank was closed by the Louisiana Office of Financial Institutions, which appointed the FDIC as receiver. Home Bank , also based in Louisiana, will assume all of the deposits. There is indeed...(read more)Forward this article via email:  Send a copy of this story to someone you know that may want to read it. MBS OPEN: Range Trade with a Chance of Chopatility - 3 hours ago Posted To: MBS CommentaryGood Morning. An essentially empty econ calendar made it easy for rates traders to price in a pre-auction concession last week. The corresponding effect was higher benchmark yields and steeper yield curve (more expensive funding for TSY too!). However, healthy demand was seen taking down the debt and the pre-auction concession was pretty much price back out of the curve...leaving us almost flat on the week. Below is the week over week for the 3.625% coupon bearing 10 year note. On Monday morning, 10s were yielding 3.696%, moved as high as 3.779% over the course of the week, then fell back to 3.703% by Friday afternoon. Status quo was restored after the auctions. On Friday afternoon, the FN 4.0 was +0-01 at 97-28 yielding 4.208% and the FN 4.5 was +0-00 at 100-28 yielding 4.402%. The secondary...(read more)Forward this article via email:  Send a copy of this story to someone you know that may want to read it. The Week Ahead: FOMC Meeting, Housing Data, Inflation, Industrial Production  - 4 hours ago Posted To: MND NewsWireEquity markets are mostly lower across the globe Monday, leading US stocks to open sharply lower ahead of a moderately busy schedule. Two hours before the bell sounds, Dow futures are off 30 points to 10,543 and S&P 500 futures are down 4.50 points to 1,142.00. Commodity prices are mixed as WTI crude oil is trading down 58 cents to $80.66 per barrel but Spot Gold prices are up $2.37 to $1,104.27. Key Events This Week: Monday: 8:30 ? The Empire State Manufacturing Index is expected to expand for the eighth consecutive month in March. The consensus expects the index to fall 3 points to 22.0 in March, reflecting strong growth overall in the region. Economists from Nomura worry that the strong figures in February may not have been wholly accurate due to the early timing of the release. “Most...(read more)Forward this article via email:  Send a copy of this story to someone you know that may want to read it. Harmony Of The Trends And The Whole Day Explained In One Chart - 2 days ago Posted To: MBS Commentary(A bit long, but another worthwhile closing post to read... with some not-often-phrased-in-such-a-way explanations. I enjoyed writing it at least. Let me know what you think.) You know the "stock lever?" If not, that's the term we use to describe the common occurrence of stock prices and bond prices moving in opposite directions. Doesn't happen all the time, but in a general sense, sure. Last night we talked about both stock and bond markets closing at some pretty long term "on the fence levels" and so it was a reasonable assumption that it was up to retail sales and whatever else Friday could muster to convince stocks to go one way and bonds to go the other. I didn't have the minerals to offer a solid prediction, but simply that it could be a big day either...(read more)Forward this article via email:  Send a copy of this story to someone you know that may want to read it. Mortgage Rates Higher After Retail Sales Data. Floating into Monday - 2 days ago Posted To: Mortgage Rate WatchWhile benchmark Treasury yields moved slowly higher throughout the course of the week as our government auctioned debt to raise spending money, mortgage-backed securities managed to maintain a pretty consistent price range. After all was said and done and the auctions were behind us, mortgage rates were left basically unharmed, near the best levels of 2010. There was one more test to pass though: RETAIL SALES DATA. The Commerce Department released Retail Sales data at 8:30 am eastern this morning This report shows the monthly change in the total receipts at retail stores. Since consumer spending accounts for a large majority of GDP, market participants track retail sales to gauge economic growth. Last month’s report posted a 0.5% increase, a notable improvement from December’s disappointing...(read more)Forward this article via email:  Send a copy of this story to someone you know that may want to read it.