Mortgage Rate Assumptions

1. Mortgage rates could change daily.

2. Actual payments will vary based on your individual situation and current rates.

3. Some products may not be available in all states.

4. Some jumbo products may not be available to first time home buyers.

5. Lending services may not be available in all areas.

6. Some restrictions may apply.

7. Based on the purchase/refinance of a primary residence.

8. We assumed (unless otherwise noted) that: closing costs are paid out of pocket; this is your primary residence and is a single family home; debt-to-income ratio is less than 30%; and credit score is over 720, or in the case of certain Jumbo products we assume a credit score over 740.

9. The lock period for your rate can range from 10-60 days.

10. The loan to value (LTV) rate is 70%. If LTV > 80%, PMI will be added to your monthly mortgage payment, with the exception of Military/VA loans. Military/VA loans do not require PMI.