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Conventional 30-Year Fixed-Rate

Purchase Price $500,000, Loan Amount $400,000, Interest Rate 5.375% (APR 5.443%), Monthly Principal & Interest Payment of $2,239.88. Taxes, Insurance, HOA Dues are not included in the payment listed, so total payment will be higher. Interest rate and payment are based upon a 30-Year Fixed Rate, Credit Score 740 or above, Primary Residence, Detached Single Family property, Purchase Transaction. No Prepayment Penalty. Interest Rate effective 4/26/2022. Terms and Conditions apply. Not all borrowers will qualify. This is not an offer to lend. Subject to formal underwriting, credit, acceptable income, assets, and property appraisal. Income limitations may apply to some loan products. Guidelines, rates, and fees are subject to change without notice. Equal Housing Lender.

$500,000 for $2,239.88/month – disclosure current as of 4/26/2022

  • The advertised loan is a 30-year fixed rate full amortizing loan, assuming a $400,000 loan amount and a 5.375% interest rate.
  • This loan has 360 monthly principal and interest payments of $2,239.88.
  • The Annual Percentage Rate (APR) is 5.443%.

Disclosure Assumptions

  • Interest rate quoted assumes a FICO score of 740 with a loan-to-value ratio of 80% on a primary residence.
  • The actual interest rate, APR and payment may vary based on the specific terms of the loan selected, verification of information, your credit history, the location and type of property and other factors.
  • Rates are subject to change daily without notice.
  • Payment amounts shown do not include taxes, insurance or HOA.

Conventional 15-Year Fixed-Rate

Purchase Price $500,000, Loan Amount $400,000, Interest Rate 4.625% (APR 4.729%), Monthly Principal & Interest Payment of $3,085.59. Taxes, Insurance, HOA Dues are not included in the payment listed, so total payment will be higher. Interest rate and payment are based on a 15-Year Fixed Rate, Credit Score 740 or above, Primary Residence, Detached Single Family property, Purchase Transaction. No Prepayment Penalty. Interest Rate effective 4/26/2022. Terms and Conditions apply. Not all borrowers will qualify. This is not an offer to lend. Subject to formal underwriting, credit, acceptable income, assets, and property appraisal. Income limitations may apply to some loan products. Guidelines, rates, and fees are subject to change without notice. Equal Housing Lender.

$500,000 for $1,720.57/month – disclosure current as of 4/26/2022

  • The advertised loan is a 15-year fixed rate full amortizing loan, assuming a $400,000 loan and a 4.625% interest rate.
  • This loan has 180 monthly principal and interest payments of $3,085.59.
  • The Annual Percentage Rate (APR) is 4.729%.

Disclosure Assumptions

  • Interest rate quoted assumes a FICO score of 740 with a loan-to-value ratio of 80% on a primary residence.
  • The actual interest rate, APR and payment may vary based on the specific terms of the loan selected, verification of information, your credit history, the location and type of property and other factors.
  • Rates are subject to change daily without notice.
    Payment amounts shown do not include taxes, insurance or HOA.
  • Interest rate and APR are variable and subject to increase
  • Not available in all states.
  • Rates are subject to change daily without notice.
  • Payment amounts shown do not include taxes or insurance.

Adjustable Rate Mortgage (ARM)

$225,000 for $1106.86/month -Disclosure current as of 15-Apr-22.

  • The advertised loan is a 5/1 ARM (Adjustable Rate Mortgage) with a 30-year fully amortizing term from actual offers posted to consumers by Network Lenders.
  • After the initial period, the variable interest rate and payment will adjust every year and equal the total of the 12-month LIBOR index (1.92% as of 13-Dec-20) plus a margin of n/a%.
  • The maximum periodic change in the interest rate is 2% with a maximum rate increase of % above the initial interest rate.
  • If the interest rate adjusted to the maximum rate (which could not occur until after the fifth year), the maximum monthly payment for each loan amount would be: $1272.42 for $175,000; $1442.84 for $200,000; $1,609.94 for $225,000; $1803.55 for $250,000; $2812.28 for $400,000.
  • There is no prepayment penalty.
  • The Annual Percentage Rate (APR) is variable and is subject to increase or decrease, so your payments may increase or decrease each year after the initial period.

Disclosure Assumptions

  • Interest rate quoted assumes a FICO score of 720 with a maximum loan-to-value ratio of 80% on a primary residence.
  • The actual interest rate, APR and payment may vary based on the specific terms of the loan selected, verification of information, your credit history, the location and type of property and other factors as determined by Lenders.
  • The initial interest rate is fixed for 5 years. The disclosed APR is based on 0.00 discount points, 995.00%% origination fee and 0.00 additional prepaid finance charges which will be due at closing. First adjusted payment will likely increase to approximately 1,239.35.
  • Interest rate and APR are variable and subject to increase
  • Not available in all states.
  • Rates are subject to change daily without notice.
  • Payment amounts shown do not include taxes or insurance.

FHA

Purchase Price $400,000, Total Loan Amount $392,755 (including UFMIP of $6755) with Down Payment of 3.5% or $14,000, Interest Rate 4.875% (APR 5.955%). Monthly Principal & Interest Payment $2,078.49 and monthly MIP $271.54. Taxes, Insurance, HOA Dues are not included in the payment listed, so total payment will be higher. Interest rate and payment are based on a 30-Year Fixed Rate, Credit Score 640 or above, Primary Residence, 1-4 Unit Single Family property, Purchase Transaction. No Prepayment Penalty. Interest rate effective 4/26/22. Terms and Conditions apply. Not all borrowers will qualify. This is not an offer to lend. Subject to formal underwriting, credit, acceptable income, assets, and property appraisal. Income limitations may apply to some loan products. Guidelines, rates, and fees are subject to change without notice. Equal Housing Lender.

$400,000 for $2,078.49/month – disclosure current as of 4/26/2022

  • The advertised loan is a 30-year fixed rate full amortizing loan, assuming a $392,755 loan (including UFMIP of $6755) with a Down Payment of 3.5% or $14,000.
  • This loan has 360 monthly principal and interest payments of $2,078.49 and monthly MIP of $271.54.
  • The Annual Percentage Rate (APR) is 5.955%.

Disclosure Assumptions

  • Interest rate quoted assumes a FICO score of 660 with a maximum loan-to-value ratio of 96.5% on a primary residence.
  • The actual interest rate, APR and payment may vary based on the specific terms of the loan selected, verification of information, your credit history, the location and type of property and other factors.
  • Rates are subject to change daily without notice.
  • Payment amounts shown do not include taxes, insurance or HOA.

VA

Purchase Price $400,000, Total Loan Amount $409,200 (including VA Funding Fee of 2.3%), Interest Rate 4.875% (APR 5.137%). Monthly Principal & Interest Payment of $2,165.52. Assumes first-time use of VA eligibility, with the 2.3% VA Funding Fee finance. Taxes, Insurance, HOA Dues are not included in the payment listed, so total payment will be higher. Interest rate and payment are based on a 30-Year Fixed Rate, Credit Score 640 or above, Primary Residence, 1-4 Unit Single Family property, Purchase Transaction. Interest rate effective 4/26/22. Terms and Conditions apply. Not all borrowers will qualify. This is not an offer to lend. Subject to formal underwriting, credit, acceptable income, assets, and property appraisal. Income limitations may apply to some loan products. Guidelines, rates, and fees are subject to change without notice. Equal Housing Lender.

$400,000 for $2,165.52/month – disclosure current as of 4/26/2022

  • The advertised loan is a 30-year fixed rate full amortizing loan, assuming a $409,200 loan (including VA Funding Fee of 2.3%) and a 4.875% interest rate.
  • This loan has 180 monthly principal and interest payments of $2,165.52.
  • The Annual Percentage Rate (APR) is 5.137%.

Disclosure Assumptions

  • Interest rate quoted assumes a FICO score of 640 with a loan-to-value ratio of 100% on a primary residence.
  • The actual interest rate, APR and payment may vary based on the specific terms of the loan selected, verification of information, your credit history, the location and type of property and other factors.
  • Rates are subject to change daily without notice.
  • Payment amounts shown do not include taxes, insurance or HOA.

Jumbo

Purchase Price $1,500,000, Loan Amount $1,200,000, Interest Rate 5.000% (APR 5.028%), Monthly Principal & Interest Payment $6,441.86. Taxes, Insurance, HOA Dues are not included in the payment listed, so total payment will be higher. Interest rate and payment are based upon a 30-Year Fixed Rate, Credit Score 740 or above, Primary Residence, Detached Single Family property, Purchase Transaction. No Prepayment Penalty. Interest Rate effective 4/26/2022. Terms and Conditions apply. Not all borrowers will qualify. This is not an offer to lend. Subject to formal underwriting, credit, acceptable income, assets, and property appraisal. Income limitations may apply to some loan products. Guidelines, rates, and fees are subject to change without notice. Equal Housing Lender

$1,500,000 for $6,441.86/month – disclosure current as of 4/26/2022

  • The advertised loan is a 30-year fixed rate full amortizing loan, assuming a $1,200,000 loan amount and a 5.000% interest rate.
  • This loan has 360 monthly principal and interest payments of $6,441.86.
  • The Annual Percentage Rate (APR) is 5.028%.

Disclosure Assumptions

  • Interest rate quoted assumes a FICO score of 720 with a maximum loan-to-value ratio of 80% on a primary residence.
  • Interest rate quoted assumes a FICO score of 740 with a loan-to-value ratio of 80% on a primary residence.
  • The actual interest rate, APR and payment may vary based on the specific terms of the loan selected, verification of information, your credit history, the location and type of property and other factors.
  • Rates are subject to change daily without notice.
  • Payment amount shown does not include taxes, insurance or HOA.

USDA

Purchase Price $300,000, Total Loan Amount $303,030 (including USDA Guarantee Fee of 1.5%), Interest Rate 5.500% (APR 6.046%). Monthly Principal & Interest Payment of $1,720.57 and monthly mortgage insurance of $88.38. Taxes, Insurance, HOA Dues are not included in the payment listed, so total payment will be higher. Interest rate and payment are based on a 30-Year Fixed Rate, Credit Score 640 or above, Primary Residence, 1-4 Unit Single Family property, Purchase Transaction. Property must be eligible per USDA’s eligibility map. Interest rate effective 4/26/22. Terms and Conditions apply. Not all borrowers will qualify. This is not an offer to lend. Subject to formal underwriting, credit, acceptable income, assets, and property appraisal. Income limitations may apply to some loan products. Guidelines, rates, and fees are subject to change without notice. Equal Housing Lender.

$300,000 for $1,720.57/month – disclosure current as of 4/26/2022

  • The advertised loan is a 30-year fixed rate full amortizing loan, assuming a $303,030 loan (including USDA Guarantee Fee of 1.5%) and a 5.500% interest rate.
  • This loan has 360 monthly principal and interest payments of $1,720.57 and monthly mortgage insurance of $88.38.
  • The Annual Percentage Rate (APR) is 6.046%.

Disclosure Assumptions

  • Interest rate quoted assumes a FICO score of 640 with a loan-to-value ratio of 100% on a primary residence.
  • The actual interest rate, APR and payment may vary based on the specific terms of the loan selected, verification of information, your credit history, the location and type of property and other factors.
  • Rates are subject to change daily without notice.
  • Payment amounts shown do not include taxes, insurance or HOA.

Family Opportunity

Purchase Price $350,000, Loan Amount $332,500, Interest Rate 5.375% (APR 5.655%), Monthly Principal & Interest Payment of $1,861.90 and monthly mortgage insurance of $83.13. Taxes, Insurance, HOA Dues are not included in the payment listed, so total payment will be higher. Interest rate and payment are based upon a 30-Year Fixed Rate, Credit Score 740 or above, Primary Residence, Detached Single Family property, Purchase Transaction. No Prepayment Penalty. Interest Rate effective 4/26/2022. Terms and Conditions apply. Not all borrowers will qualify. This is not an offer to lend. Subject to formal underwriting, credit, acceptable income, assets, and property appraisal. Income limitations may apply to some loan products. Guidelines, rates, and fees are subject to change without notice. Equal Housing Lender.

$500,000 for $2,239.88/month – disclosure current as of 4/26/2022

  • The advertised loan is a 30-year fixed rate full amortizing loan, assuming a $332,500 loan amount and a 5.375% interest rate.
  • This loan has 360 monthly principal and interest payments of $1,861.90 and monthly mortgage insurance of $83.13.
  • The Annual Percentage Rate (APR) is 5.655%.

Disclosure Assumptions

  • Interest rate quoted assumes a FICO score of 740 with a loan-to-value ratio of 95% on a primary residence.
  • The actual interest rate, APR and payment may vary based on the specific terms of the loan selected, verification of information, your credit history, the location and type of property and other factors.
  • Rates are subject to change daily without notice.
  • Payment amounts shown do not include taxes, insurance or HOA.

Expanded Opportunity Loan Program

Purchase Price $400,000, Loan Amount $400,000, Interest Rate 4.750% (APR 4.815%), Monthly Principal & Interest Payment of $2,086.59.  Taxes, Insurance, HOA Dues are not included in the payment listed, so total payment will be higher.  Interest rate and payment are based upon a 30-Year Fixed Rate, Credit Score 640 or above, Primary Residence, Detached Single Family property, Purchase Transaction.  No Prepayment Penalty.  Interest Rate effective 5/13/2022. Terms and Conditions apply.  Not all borrowers will qualify.  This is not an offer to lend.  Subject to formal underwriting, credit, acceptable income, assets, and property appraisal.  Guidelines, rates, and fees are subject to change without notice. Eligible Florida Counties: Clay, Duval, Gadsden, Hillsborough, Jefferson, Leon, Pasco, Pinellas, Wakulla. Subject to Geographic Eligibility. Equal Housing Lender.

$400,000 for $2,086.59/month – disclosure current as of 5/13/2022

  • The advertised loan is a 30-year fixed rate full amortizing loan, assuming a $400,000 loan amount and a 4.750% interest rate.
  • This loan has a monthly principal and interest payments of $2,086.59.
  • The Annual Percentage Rate (APR) is 4.815%.
  • Subject to Geographic Eligibility

Disclosure Assumptions

  • Interest rate quoted assumes a FICO score of 640 with a loan-to-value ratio of 100% on a primary residence.
  • The actual interest rate, APR and payment may vary based on the specific terms of the loan selected, verification of information, your credit history, the location and type of property and other factors.
  • Rates are subject to change daily without notice.
  • Payment amounts shown do not include taxes, insurance or HOA.