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A mortgage expert will review and provide you the terms, conditions, disclosures, and additional details on the interest rates that apply to your individual situation.

30 year Fixed:
Interest Rate of 5.375% with APR of 5.559% is as of 11/16/2018 3:55 PM ET. The APR (Annual Percentage Rate) calculation is based on a 30-year fixed-rate mortgage in the amount of $140,000 for the purchase of a single-family, primary residence with 80% loan-to-value (LTV) or 20% down payment, minimum borrower credit score of 740, and estimated points of 1% of the loan amount and origination charges of $895 with 360 monthly payments in the amount of $783.96. Payment amount does not include taxes and insurance which means your monthly obligation will be greater. Actual payment amount will vary based upon credit history, rates in effect at the time of consummation, LTV and other credit factors. A LTV ratio above 80% may result in a need for mortgage insurance. If mortgage insurance is required, the amount of your payment will increase. The APR is subject to change at any time prior to consummation, and individual APRs may vary for loan purchases and loan refinances due to loan programs being offered, or other factors. All borrowers are subject to qualification, underwriting approval, lender terms and conditions. Terms, conditions, and rates are subject to change without notice.

15 year Fixed:
Interest Rate of 5% with APR of 5.306% is as of 11/16/2018 3:55 PM ET. The APR (Annual Percentage Rate) calculation is based on a 15-year fixed-rate mortgage in the amount of $140,000 for the purchase of a single-family, primary residence with 80% loan-to-value (LTV) or 20% down payment, minimum borrower credit score of 740, and estimated points of 1% of the loan amount and origination charges of $895 with 180 monthly payments in the amount of $1,107.11. Payment amount does not include taxes and insurance which means your monthly obligation will be greater. Actual payment amount will vary based upon credit history, rates in effect at the time of consummation, LTV and other credit factors. A LTV ratio above 80% may result in a need for mortgage insurance. If mortgage insurance is required, the amount of your payment will increase. The APR is subject to change at any time prior to consummation, and individual APRs may vary for loan purchases and loan refinances due to loan programs being offered, or other factors. All borrowers are subject to qualification, underwriting approval, lender terms and conditions. Terms, conditions, and rates are subject to change without notice.

FHA 30 year:
Interest Rate of 5% with APR of 5.306% is as of 11/16/2018 3:55 PM ET. The APR (Annual Percentage Rate) calculation is based on a 30-year fixed-rate mortgage in the amount of $140,000 for the purchase of a single-family, primary residence with 96.5% loan-to-value (LTV) or 3.5% down payment, minimum borrower credit score of 740, and estimated points of 1% of the loan amount and origination charges of $895 plus 1.75% FHA funding fee with 360 payments in the amount of $751.55. Payment amount does not include taxes and insurance which means your monthly obligation will be greater. Actual payment amount will vary based upon credit history, rates in effect at the time of consummation, LTV, mortgage insurance premiums and other credit factors. Program terms available may vary based on the state and county in which the financed property is located. The APR is subject to change at any time prior to consummation, and individual APRs may vary for loan purchases and loan refinances due to loan programs being offered, or other factors. All borrowers are subject to qualification, underwriting approval, lender terms and conditions. Terms, conditions, and rates are subject to change without notice.

VA 30 year:
Interest Rate of 5% with APR of 5.343% is as of 11/16/2018 3:55 PM ET. The APR (Annual Percentage Rate) calculation is based on a 30-year fixed-rate mortgage in the amount of $140,000 for the purchase of a single-family, primary residence with 100% loan-to-value (LTV) or 0% down payment, minimum borrower credit score of 740, and estimated points of 1% of the loan amount plus 3.3% VA funding fee with 360 monthly payments in the amount of $751.55. Payment amount does not include taxes and insurance which means your monthly obligation will be greater. Actual payment amount will vary based upon credit history, rates in effect at the time of consummation, LTV and other credit factors. Program terms available may vary based on the state or county in which the financed property is located. The APR is subject to change at any time prior to consummation, and individual APRs may vary for loan purchases and loan refinances due to loan programs being offered, or other factors. All borrowers are subject to qualification, underwriting approval, lender terms and conditions. Terms, conditions, and rates are subject to change without notice.

Jumbo 30 year:
Interest Rate of 5.5% with APR of 5.858% is as of 11/16/2018 3:55 PM ET. The APR (Annual Percentage Rate) calculation is based on a 30-year fixed-rate mortgage in the amount of $500,000 for the purchase of a single-family, primary residence with 80% loan-to-value (LTV) or 20% down payment, minimum borrower credit score of 740, and estimated points of 1% of the loan amount and origination charges of $895 with 360 monthly payments in the amount of $2,838.95. Payment amount does not include taxes and insurance which means your monthly obligation will be greater. Actual payment amount will vary based upon credit history, rates in effect at the time of consummation, LTV and other credit factors. A LTV ratio above 80% may result in a need for mortgage insurance. If mortgage insurance is required, the amount of your payment will increase. The APR is subject to change at any time prior to consummation, and individual APRs may vary for loan purchases and loan refinances due to loan programs being offered, or other factors. All borrowers are subject to qualification, underwriting approval, lender terms and conditions. Terms, conditions, and rates are subject to change without notice.

7/1 ARM:
Interest Rate of 5.5% with APR of 5.745% is as of 11/16/2018 3:55 PM ET. The APR (Annual Percentage Rate) calculation is based on a 7/1 adjustable-rate mortgage in the amount of $140,000 for the purchase of a single-family, primary residence with 80% loan-to-value or 20% down payment, minimum borrower credit score of 740, and estimated points of 1% of the loan amount and origination charges of $895 with 360 monthly payments beginning in the amount of $794.90. Payment amount does not include taxes and insurance which means your monthly obligation will be greater. With an adjustable-rate mortgage (ARM), your 7/1 loan will have an initial fixed-rate period of 84 months. After the fixed-rate period, your interest rate will adjust up or down according to market rates at the time of the reset. Rate is variable after the fixed-rate period and subject to change once every year for the remaining life of the loan. Actual payment amount will vary based upon credit history, rates in effect at the time of consummation, LTV and other credit factors. A LTV ratio above 80% may result in a need for mortgage insurance. If mortgage insurance is required, the amount of your payment will increase. The APR is subject to change at any time prior to consummation, and individual APRs may vary for loan purchases and loan refinances due to loan programs being offered, or other factors. All borrowers are subject to qualification, underwriting approval, lender terms and conditions. Terms, conditions, and rates are subject to change without notice.

If you are refinancing, it is important to note that if interest on the portion of your loan balance that is greater than the fair market value of the dwelling is not tax deductible for Federal income tax purposes. You should consult a tax advisor for further information regarding the deductibility of interest and charges.

Licensed by the N.J. Department of Banking and Insurance. Georgia Residential Mortgage Licensee. Illinois Residential Mortgage Licensee. CA License #: 41DBO-45117. Regulator Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act.