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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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.
Pratik Kekre
David was very helpful in walking us through the process of home buying. As first time home buyers, that guidance made it stress free. We were well informed of status and progress made from time to time. Will be forever grateful to David and team. Thank you!
Jon Lowe
David and his team are amazing! This is our 2nd time having the pleasure with working with them. I cannot say enough how personal he takes his clients. He does everything he can to find the best deal that makes the most sense for us. When there was a bump in the road due to a regulation change in the new state we were moving to, he came with solutions to work it out vs. just giving up. If/when, we need a mortgage lender again, we will certainly contact only one lender - David Goldberg! Thanks for everything David!
Monica L G in Jacksonville, FL
On July 29, 2023Tony was a great communicator and worked hard to get us the best deal he could. He was amazing!
Louis J. T in Blue Island, IL
On August 01, 2023Michael Krach was very knowledgeable and always available to answer any of my questions. Excellent service from Michael.
Christine C I in Lawrence, NJ
On July 25, 2023We started out with another lender who would take a day or two to get back to us when we had questions regarding our loan. That all changed after speaking with Greg Potter and deciding to go with him for our loan. He was always available to quickly answer our questions. We never felt like we were in limbo waiting for an answer. I would definitely recommend him.
Gordon L G in Jacksonville, FL
On July 29, 2023The entire process was seamless. Tony and Tara were wonderful to work with.
Jon L in Fayetteville, TN
On July 20, 2023I have had a very good biz relationship with Sylas. He is the most honest person I know and it just goes a long way with me. I always feel like he does everything he can to get me the best lian offer he can get for me. He is an expert, he represents Mutual of Omaha Financial to the top of his ability, he has earned my business for every future loan I might need. He has made the sometimes lengthy loan process enjoyable, it seems that it comes natural for him, he is genuine. I greatly appreciate his candor and pleaseant coversations. Jon J. Loschiavo
Veronica N in Gibsonville, NC
On July 06, 2023The whole process was quick and easy. Using the app made it super easy to upload the necessary documents and I received timely communications and via email. Sylas was always available when needed and responded quickly every time. He is the number 1 reason that the experience was flawless.
Jackie B W in Fair Play, SC
On July 01, 2023The process from beginning to end was easy and the quickest that I've ever done. I would recommend working with Josh Reyes on your next loan. He was there to walk me through every step of the way. His team were professionals and answered all questions and concerns about the loan as soon as they come up. I woul recommend Mutual of Omaha as a lender to anyone looking for a loan.
