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Assumptions: Non-self-employed, first-time home buyer purchasing a $665,000 home in 80202 with 20% down and a 760 or higher credit score. Borrower owns no additional properties and carries no subordinate debt.
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5/1 ARM

$0.00/month
Rate:*
APR:**
Term:30 years
Downpayment:$
Loan Amount: 
Eave Fees:$0
Estimated Third Party Fees: 
Interest paid over six years: 
Principal invested over six years: 
  

7/1 ARM

$0.00/month
Rate:*
APR:**
Term:30 years
Downpayment:$
Loan Amount: 
Eave Fees:$0
Estimated Third Party Fees: 
Interest paid over six years: 
Principal invested over six years: 
  

30 year fixed

$0.00/month
Rate:*
APR:**
Term:30 years
Downpayment:$
Loan Amount: 
Eave Fees:$0
Estimated Third Party Fees: 
Interest paid over six years: 
Principal invested over six years: 
  
At Eave, we don't charge any lender or origination fees and we're proud of our transparency. We give you the option of viewing estimated closing costs up front so you aren't hit with surprises. Learn more about closing costs here.

* 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.

SF Bay area properties: Closing costs estimates may be higher in some cities. Please contact an Eave loan officer for more information.

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 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 Rate 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 on the fully indexed rate applicable at the time (Index plus the Margin, not to exceed the Rate Cap). 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.

Some ARM products for low downpayment options will have a Lifetime Rate Cap = 6% and Margin = 3.00%.

APR reflects closing 5 days before the end of the month and assume $825 in third-party APR fees.

PMI means Private Mortgage Insurance. Learn more about Private Mortgage Insurance here.