Advertising Rate Disclosures
Disclosure Assumptions - Current as of August 30, 2021 .
- The Interest rates quoted assume a $300K loan amount, $378K value (~80% LTV), Primary Single Family Residence (SFR 1 unit), Owner Occupied (O/O), with impounds (Escrow), 780 FICO score, 43 DTI (Debt-To-Income ratio), Alameda County, CA.
- The actual interest rate, APR, and payment may vary based on specific terms of the loan selected, verification of information, your credit history, the location and type of property and other factors.
- Not available in all states. Rates are subject to change daily without notice.
- Payment amounts shown do not include taxes or insurance.
15-year Fixed-Rate as low as 1.99% (2.155% APR)
- The advertised loan is a 15-year fixed-rate full amortizing loan, assuming a $300,000 loan amount and a 1.99 interest rate.
- This loan has 180 monthly principal and interest payments of $1,930. The disclosure APR is based on 0.692 discount points and $2,511 in additional prepaid finance charges due at closing.
- The Annual Percentage Rate (APR) is 2.155
30-year Fixed-Rate as low as 2.75% (2.84% APR)
- The advertised loan is a 30-year fixed-rate full amortizing loan, assuming a $300,000 loan amount and a 2.75 interest rate.
- This loan has 360 monthly principal and interest payments of $1,225. The disclosed APR is based on 1.129 discount points and $2,826 in additional prepaid finance charges due at closing.
- The Annual Percentage Rate (APR) is 2.84
15-year Fixed-Rate VA Loan as low as 1.875% (2.392% APR)
- The advertised loan is a 15-year fixed-rate full amortizing loan, assuming a $300,000 loan amount and a 1.875% interest rate.
- This loan has 180 monthly principal and interest payments of $1,956. The disclosure APR is based on 0.934 discount points and $3,141 in additional prepaid finance charges due at closing.
- The Annual Percentage Rate (APR) is 2.392%
30-year Fixed-Rate VA Loan as low as 2.25% (2.459% APR)
- The advertised loan is a 30-year fixed-rate full amortizing loan, assuming a $300,000 loan amount and a 2.25% interest rate.
- This loan has 360 monthly principal and interest payments of $1,173. The disclosed APR is based on 0.217 discount points and $667 in additional prepaid finance charges due at closing.
- The Annual Percentage Rate (APR) is 2.459%
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Shivtej Tata in Tewksbury, MA
On August 29, 2024From start to finish, Mike was extremely communicative throughout the entire process. He thoroughly explained everything about the mortgage process, including approvals, pre-approvals, and other checks. He consistently kept me updated on the rates and offered valuable advice, but never pressured me into choosing a particular rate. Mike was also quick to provide any details I needed. Overall, the whole experience was smooth and comfortable, with no unexpected surprises.
Vincent Cortorillo
On July 29, 20245 Stars, 5 Diamonds, Gold Medal and just the one of the nicest men on the face of the planet. Sean was with us from start to finish. No hour was to late or no question was too silly. He answered everything for us and stayed with us from start to finish, all with a smile on his face and a warm heart. I cannot say enough good things about this man. If you want a mortgage rep that really cares about you, then this is your man. Sean’s knowledge and ability to navigate just about anything relative to Mortgages and Refi's is beyond impressive and you will thank me when you go with him. Here’s a tip for everyone contemplating a refi, send ALL of the requested material in the day Sean asks for it. Not only will this help this wonderful man, but it will allow you to set yourself up for success by submitting all the requested material on time. At the end of day, delays are caused by missing material, if he asks for it send it, you will thank me later, trust me. In closing, I am proud to know and call him my brother & look forward to our next transaction with great eagerness. Thanks You Sean and Mutual of Omaha! Mr. & Mrs. V P Cortorillo Las Vegas, NV
Charles E Hickson in Suffolk, VA
On July 27, 2024The communication was the best part. There were no surprises. Josh kept us informed whether good news or bad. Thanks Josh
Robert Singleton in Mcminnville, TN
On May 30, 2024Jake is a pleasure to work with. Kept us informed and was very fast and efficient! Very knowledgeable when we had questions. Wouldn’t hesitate to use him again or refer him to anyone else.
Ronald Jackson in Lufkin, TX
On May 18, 2024The team over at Mutual Of Omaha were nothing other than excellent. The whole experience, and availability to work with us were exceptional. We were scared for being first time home buyers, but Mike always kept us updated, and worked to help us get the best deal possible. And for that, we will always be grateful.
Daniel Bertelli in Hillsdale, NJ
On April 23, 2024very responsive
Kip A Reynolds in Lakeville, MN
On April 17, 2024From initial inquiry through the application process and into closing Patrick provided trusted guidance at every point along the way. He communicated in a timely manner and answered and all questions myself or my agent had. Even with some difficulties arose, Patrick was quick to reach out and with empathy and helped determine how to overcome to get things back on track. All of his help really made for a pleasant mortgage experience.
David Newton in MERIDIAN, ID
On April 08, 2024Was willing to work around my busy schedule and made me feel safe through my purchase experience.
Brandon Utesch in Scottsdale, AZ
On April 06, 2024Patrick did a great job!! Definitely a guy who works for the customer. Very knowledgeable and always willing to give valuable advice. He has great time, management skills and efficient with the customers time. I will definitely recommend him to my friends and family going forward! Thanks, Pat. Much appreciated!!
Taylor Gabrielle Martin in SHERRILLS FORD, NC
On March 24, 2024Nic was the only person we talked to (compared to other loan companies) that knew what he was talking about and was extremely helpful start to finish. We got the loan together in 17 days which is amazing. I would recommend Nic and his team anytime! Thank you for helping us get our dream home!
