Refinance Your Home

General Disclosures

• Interest rates are subject to change at any time without notice.
• Due to various federal, state and local requirements, certain products may not be available in all areas.
• The actual Annual Percentage Rate (APR) and fees available to you may differ from the rates posted based on your credit history, loan amount, property type, product features, and loan to value ratio.
• Applications subject to credit approval. Down Payments can be as low as 5% with Mortgage Insurance.
• Payment does not include taxes and insurance. The actual payment amount will be greater.
• Maximum loan amount may vary by county.

Fixed Rate Mortgages

• The 15 and 30 year rates are for a 60 day lock-in period. Other rates and terms available.
• Examples shown assume down payments: 40% (Down Payments can be as low as 5% with Mortgage Insurance.)

Adjustable Rate Mortgages (ARMS)

• Adjustable Rate Mortgages are variable rate loans. After the initial fixed-rate period, your interest rate can increase or decrease annually according to the market index which is affected by economic conditions.
• Your new payment (after the initial fixed period) will be based on the interest rate, loan balance and loan term remaining at the time of adjustment.
• Interest rate will be determined based upon an Index plus a margin.
• The index is the one-year London Interbank Offered Rate (LIBOR) in The Wall Street Journal as of 45 days prior to interest rate change date. The margin is 2.25%.
• Rate assumes maximum LTV of 80%, minimum credit score of 680 and loan amount of $650,000. Higher loan amounts available.
• Interest-only ARM mortgages can provide very low monthly payments; however, you are not paying off any principal during the interest-only period. After the interest only period, your payment will then include principal and interest and can increase or decrease substantially based on changes in the interest rate.
  
  

Mortgage & Home Equity Servicing Fees (PDF)

NMLS ID #464603