All Lazer soccer parents will receive a free appraisal and credit report at the time of closing on their refinance or purchase with 1st National  Mortgage Services (value of $465.00).   Rates are great; 30 year fixed 5.5 -5.875 and 15 year 4.875 - 5.5.  Call Tom Murphy for a free mortgage consultation @ 410-336-4999.