NI Home Equity

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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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