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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Dramon F in Saint Louis, MO
On January 14, 2023Constant Communication, that in the midst of my busy schedule I was able to do so much because of the constant communication to keep me on top of things that needed to get done to make this a success. I could not have had this happen without the constant positive encouraging voice of Ovet Reynoso throughout this entire process. I gave up at one point, but Ovet was a constant positive person in my ear who without, this would have never happened and been a success.
Desirae A W in Neligh, NE
On December 31, 2022Jeff went above and beyond for us from the very beginning! Without him reaching out to the realtor we would have never had the opportunity for this house in the first place! He was always available to answer questions and kept us updated every step of the way! This is a stressful process and he put our minds at ease and gave us hope when we thought this would never happen!!! He helped our dream come true!!!
Andrea Alexandra C in Woodbridge, VA
On December 14, 2022Mike went above and beyond. From the start, during our first conversation Mike took the time to explain the whole process and answer our questions. This was our first time Buying a home so we wear very inches about the process. Mike was always available and open to answer every question and guide next steps. The support he provided helped us feel supported and excited about the most important purchase of our life. Thank you Mike, we couldn’t be happier!
Gary Steven H in Hernando, FL
On December 15, 2022Zach was Grade A Prime all the way. We enjoyed working with him and he made it easy for us.
Jackie Lynn I in Middleton, TN
On November 23, 2022Jake and Ashley were very nice and responsive to our needs we ran in to some problems but he told use what we need to do and even helped us get the stuff done they are wonderful people and go beyond their duties to get you as much as you need
Giacomo L in Shawnee, KS
On November 18, 2022Follow up and availability. Those are the traits that Zach impressed us with plus extremely knowledgeable about the industry. And an overall good person.
Helen B in Baltimore, MD
On November 01, 2022Angilene was able to focus on what was important to me and my needs. She also explained why I had some issues that went wrong with my old mortgage company. Not once did she say, I can't help you! Angilene took me step by step through the process. It wasn't easy even because of my work hours. I will recommend Angilene to my friends and family. She has a positive attitude, hardworking, responsible and very respectful. Thank you for your time and patience I really appreciate you. The other staff members that contacted me were also helpful and thank you to.
Steven Mark B in Winchester, KY
On October 07, 2022Mike was informed and always ahead of my questions, he was always available and replied quickly. I never had to prompt him to get things done or ask what was needed he was always on top of it through the whole process. Everyone in the process was great!!
Joyce W
On September 09, 2022She was very helpful and passionate about her work .
Sumio D
On August 31, 2022Willingness to answer questions and get back to to me
