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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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Cynthia Fisher
Ben took the time to explain everything to me. He was so helpful with my lack of computer skills walking me through every step. Could call or text anytime and he stopped what he was doing to help me or explain to me. Very grateful for all his professional help! Ben made the process so much easier.
Felvir Castro
On April 20, 2022Lucas was very helpful, communicative, and very diligent in getting the right documents requested and processed. I had one month to close on a property and he was very proactive in getting in what we needed on time. I'd highly recommend Lucas to anyone looking to close on a property fast and efficiently.
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On April 30, 2022Tyler made it so seamless and so helped me through the computer stuff! He was always available and prepared. No question s went unanswered. I was in Mortgage Lending with Bank One for many years. I pre underwrote Appraisals, , dealt with Title Companies, Attorneys, Insurance Companies, and Originators. My funding limit was$500,000.00. I would hire Tyler in an instant.! He has a great future ahead . You are lucky to have him in your employ! Regards Mary M Helfrich
John Gara
On April 19, 2022Working with Nick made me feel like I got a degree in Finance by the time we were done. Went above and beyond any standard I could've set in terms of clarity of communication and expertise. All this while managing to be an absolute pleasure to work with. Thank you Nick!
William Mechtly
On March 31, 2022Steven Koskolos made my experience buying my first home GREAT! Any Questions I had at any time he would have the answers. Steven would constantly keep me up to date with everything going on so I never had to worry. I have already recommended him to many of my friends looking at buying new homes!
James Allen
On March 17, 2022Took care of us from start to finish. Couldn't have been more helpful.
James Weaver
On March 15, 2022it was a pleasure working with lucas van dame I cannot say how much he helped me getting my refinance done on my home , he went the extra mile to help me . I would recomend him to anyone . thanks Lucas sincerely james w.
Von Rim
Ben is very helpful and have a excellent customer service
Wade Bozeman
On March 08, 2022I have purchased and refied a number of homes in my 52 years. Lucas was by far the best I have had the pleasure of working with.
Daniel Wurzel
On March 05, 2022Nick said from the beginning that this process would be smooth and he delivered in spades. He was very communicative and always had the answers to our questions. He anticipated the market and gave genuinely good advice. He was just perfect, in my opinion.
