(1) Disclosure Rates:

These assumptions are subject to change without notice. Rate, points and APR may be adjusted based on several factors including, but not limited to, state of property location, loan amount, documentation type, loan type, occupancy type, property type, loan to value and your credit score. Your final rate and points may be higher or lower than those quoted based on information relating to these factors, which may be determined after you apply. Rates on properties in California may vary based on loan product selected.

The annual percentage rate (APR), is the cost of credit over the term of the loan expressed as an annual rate. The APR shown here is based on interest rates and points only and does not take into account other loan specific finance charges you may be required to pay.

Payments shown do not include amounts for taxes and insurance; actual payment obligation will be greater. For adjustable rate loans, after the initial period, rates and payments are based on today’s index plus a margin. For interest only loans, the initial payments do not include principal.

Rates shown are not available in all states.

Assumptions: 80% LTV/CLTV. 740 Credit Score. Single Family Property. Owner Occupied. California Property. 30 Day Rate Lock.