Mortgage Rate Criteria

Mortgage rates are based on to purchase or refinance-rate&term an owner-occupied, one-unit, single family dwelling for a loan of $165,000 to $417,000, Jumbo $417.001 to $1,000,000 that is to be made to a consumer with average income, a credit guide score of 720+ (650-719 may not affect rate) and no other relationship to the institution offering the loan. The loan is based on a 20% down payment, a 30-60 day lock (that begins no later than the approval of the loan) and 0 to 2 cumulative discount and origination points (origination points also include a broker's fee that is charged as a percent of the loan amount). Rates are as of the specified date, but may change without notice. The rate, terms and pre-paid finance charges may vary based on a number of factors including, but not limited to, the creditworthiness of the applicant(s), self employment status of the applicant(s), condo or townhouse structure, loan amount and geographic location of the property.