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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See What Our Customers Have to Say
Scott M in Williamsburg, Virginia
On November 21, 2023Sheri went above and beyond to help us get through the loan process. She took the time to explain exactly what we needed and why. She never hesitated to take the extra time to follow up with everyone involved. We had an extremely complicated situation involving the IRS, a very problematic selling agent, appraisal repairs and more. I truly don't think we would have ever closed with any other loan officer besides Sheri. I will exclusively recommend her as well as use her in the future if we buy another house. Thank you so much
Tom C in Williamsburg, Virginia
On November 21, 2023Sheri is extremely professional, prompt and responsive. She works seven days a week and was always available when we needed her. She made the experience smooth in seamless. She took all of the stress out of the process. Answered all of our questions, and provided all the information we needed to make the most informed decision. She’s amazing!
Landon D H in Huntersville, NC
On November 18, 2023I was amazed at how simple the process was! Jake and his team provided guidance every step of the way. Our cash-out refinance was more than just an important transaction for us, it became a genuine relationship. Jake took time to explain the process and answer any questions we had. He listened to what our goals were and worked hard to make them happen. Another thing I like about this process is that the closing of the refinance is not the end of our relationship. Jake promises to follow our situation and stay in touch in the future to provide other options to better our financial situation as the market changes -- I like that!
David S in Gretna, NE
On November 01, 2023Grant was super patient and educational on the process. Very supportive and greatly appreciated His help along the way.
Jennifer P in Naperville, IL
On November 04, 2023The process was very a smooth. I appreciated all of the communication from Grant and the team. The portal for all of document upload and signing made it nice as well.
David V
On October 19, 2023Tony and his team were in top of our securing our mortgage from the start. There were a couple of hurdles we threw at them and they responded professionally and timely. I would highly recommend Tony Gatliff.
Gordon Z P in Marcellus, MI
On September 27, 2023Joshua listened to my needs and designed a mortgage that reached the goals I needed. Information came with explanation and made it easy through the entire process.
James G W in Coxs Creek, KY
On September 27, 2023Simple, fast, easy to talk to the team. Very quick turn around. Would recommend to others
Tim
Was easy to work with , We switched mid escrow and he locked us in at better rate, Some requirements were a bit redundant, but both wife an I are self employed so I guess that its part off the process
Andre K D in Manahawkin, NJ
On September 08, 2023My experience with Jake and his team is that they were very informative, prompt and precise showing great professional skills the way all lenders should be. The transaction went very smoothly and fast. From my wife and I thank you sincerely Jake Arthur and team.
