* Payments shown do not include amounts for taxes and insurance. Actual payment obligation will be greater if you choose to have your taxes and insurance included. For adjustable rate loans, after the initial period, rates and payments are based on today's index plus a margin.
**These assumptions are subject to change without notice. Rate, points and APR may be adjusted based on several factors including, but not limited to, loan amount, documentation type, loan type, occupancy type, property type, loan to value and your credit score. Your final rate and points may be higher or lower than those quoted based on information relating to these factors, which may be determined after you apply. Credit for closing costs changes daily and will be applied at the time of locking in the rate.
*** The annual percentage rate (APR), is the cost of credit over the term of the loan expressed as an annual rate. The APR shown here is based on the interest rates and points only and does not take into account other loan specific finance charges you may be required to pay.
**** Refinancing may increase the length of your loan and the total amount of interest you pay over the life of your loan. Important information relating specifically to your loan will be contained in the loan documents, which alone will establish your rights and obligations under the loan plan.