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* This estimate is for informational purposes only. Products, rates and terms are subject to change without notice. It is not a commitment to lend. To apply for a loan, you’ll need to submit a complete application and provide additional information. Final approval of your loan is based on verification of your application and all documentation submitted and meeting the necessary underwriting criteria and property approval. The estimates for fees and other charges are not intended to be accurate until you have chosen a property and settlement service providers. All rates and fees are estimates until you have received an approval, a loan product has been selected, and rate has been locked upon selection of an acceptable property. Your final rate, loan product, and terms may be different. Normal credit qualifications and other terms and conditions apply. Not all applicants will qualify. Estimated payment does not include taxes and insurance premiums. The actual payment amount will be greater.
The interest rates shown above assume you will have an escrow account. In California only: If you wish to opt out of having an escrow account, please notify your loan officer. Please note that your interest rate may increase if you opt out.
Interest rates are estimates. Your final rate, loan product, and terms may be different. Normal credit qualifications and other terms and conditions apply. Products, rates, and terms are subject to change unless the loan product has been selected and the interest rate has been locked. The term for all loan products is 30 years. ARM products have an index of 1-Year LIBOR, a margin of 2.250% and a cap of 2.000%.
** ARM DISCLOSURE: With an adjustable rate mortgage (ARM), your loan will have an initial fixed-rate period. After the fixed-rate period, your interest rate will adjust up or down according to market rates at the time of reset. 1-Year LIBOR Index used for all ARM Products. Lifetime Rate Cap = 5%. Yearly adjustment Cap = 2%. First Adjustment Rate Cap = 2%. ARM Margin = 2.250% After the initial 5/7 years, your principal and interest payment will change based the fully indexed rate applicable at the time (Index plus the margin, not to exceed the rate cape). Your payment can be changed based on this formula once a year for the remaining 25/23 years of the loan. Payment does not include taxes and insurance premiums. The actual payment amount will be greater.