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Assumptions Rates shown assume detached single family home, owner-occupied primary residence with loan-to-value ratio and combined loan-to-value ratio of less than 80% with minimum FICO score of 680 and higher. Rates shown assume that borrowers will provide full income documentation and there is no subordinate financing. Refinance rates assume rate/term refinance, not cash-out refinance. Annual Percentage Rate (APR) is based on loan amount of $300,000 for conforming loan or $600,000 for jumbo loans. APR also assumes 15 days of prepaid interests. The monthly payment calculation includes only principle and interest (interest only if selecting an interest-only program). The calculation does not include property taxes, private mortgage insurance, hazard insurance (home insurance), and homeownerÂ’s association dues. Rates may be higher for loan amounts under $150,000 and over $650,000. Please call for details. Escrow/impound of property taxes and home insurance is required. Escrow waiver is available with costs. Please call for details. Rates are subject to change without notice due to market conditions. Calculated closing costs do not include prepaid interests on new loan, local/state tax stamps, mortgage tax, intangible tax, outstanding tax, home insurance premium, private mortgage insurance, homeownerÂ’s association dues, certifications/verifications, charges associated with loan payoff, and rate lock fees. Rates are subject to underwriting approval. Not all applicants will qualify. Geographic restrictions may apply. Terms and conditions apply. Click here for Rate Lock Policy. |
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