Mortgage Disclosures

5/3 30-Year ARM 

Adjustable Rate Mortgage (ARM) has a variable rate that is subject to change after the noted number of years (i.e., a 10/3-yr ARM can change after 10 years) and may cause the payment to increase. Annual Percentage Rate (APR) will be determined based on Property Type, Loan Amount, Loan-to-Value Ratio and Credit History. Subject to credit approval. Offer available for owner occupied, single family properties with a combined loan to value (CLTV) up to 90%. Other restrictions may apply. Rates are subject to change at any time and may be higher than quoted.

Example: Based on a credit score of 720 and CLTV of 90%. A $175,000 ARM loan for 30 years at an initial rate of 5.839% APR will have 360 monthly payments of $1,021.25. This payment does not include property taxes or insurance. 


15-Year Fixed

Annual Percentage Rate (APR) will be determined based on Property Type, Loan Amount, Loan-to-Value Ratio and Credit History. Subject to credit approval. Offer available for owner occupied, single family properties with a combined loan to value (CLTV) up to 90%. Other restrictions may apply. Rates are subject to change at any time and may be higher than quoted.

Example: Based on a credit score of 720 and CLTV of 80%. A $175,000 loan for 15 years at 5.840% APR will have 180 monthly payments of $1,441.53. This payment does not include property taxes or insurance. 

30-Year Fixed

Annual Percentage Rate (APR) will be determined based on Property Type, Loan Amount, Loan-to-Value Ratio and Credit History. Subject to credit approval. Offer available for owner occupied, single family properties with a combined loan to value (CLTV) up to 90%. Other restrictions may apply. Rates are subject to change at any time and may be higher than quoted.

Example: Based on a credit score of 720 and CLTV of 80%. A $175,000 loan for 30 years at 6.638% APR will have 360 monthly payments of $1,106.12. This payment does not include property taxes or insurance. 

3/3 15-Year ARM

Adjustable Rate Mortgage (ARM) has a variable rate that is subject to change after the noted number of years (i.e., a 3/3-yr ARM can change after 3 years) and may cause the payment to increase. Annual Percentage Rate (APR) will be determined based on Property Type, Loan Amount, Loan-to-Value Ratio and Credit History. Subject to credit approval. Offer available for owner occupied, single family properties with a combined loan to value (CLTV) up to 90%. Other restrictions may apply. Rates are subject to change at any time and may be higher than quoted.

Example: Based on a credit score of 720 and CLTV of 90%. A $175,000 ARM loan for 15 years at an initial rate of 5.395% APR will have 180 monthly payments of $1,406.79. This payment does not include property taxes or insurance. 


3/3 10-Year ARM

Adjustable Rate Mortgage has a variable rate that is subject to change after the noted number of years (i.e., a 3/3-yr ARM can change after 3 years) and may cause the payment to increase. Annual Percentage Rate (APR) will be determined based on Property Type, Loan Amount, Loan-to-Value Ratio, and Credit History. Subject to credit approval. Offer available for owner occupied, single family properties with a combined loan to value (CLTV) up to 90%. Other restrictions may apply. Rates are subject to change at any time and may be higher than quoted.

Example: Based on a credit score of 720 and CLTV of 90%. A $175,000 loan for 10 years at an initial rate of 5.456% APR will have 120 monthly payments of $1,877.60. This payment does not include property taxes or insurance.