Disclosure

Loan Assumptions

Purchase Money Loans

On Loan Amount up to $647,200
15 Year Fixed - First Mortgage

Owning is licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. NMLS 2611. Disclosed rate assumes the purchase of an owner-occupied single-family residence of a loan amount from $400,000 to the maximum conforming loan limit amount in the property’s county. Minimum 740 FICO score, 80% loan to value with no subordinate debt. If these factors are not met, you may still qualify for a loan but higher interest rates and closing costs may apply. Sample payment does not include taxes, insurance or assessments. Your actual payment obligation may be higher. Offer requires use of Lenders Choice escrow and title services. Not all applicants will be approved. Advertised rate and APR are subject to change without notice. Subject to underwriting approval.

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Refinance Loans

On Loan Amount up to $647,200
15 & 27 & 30 Year Fixed - First Mortgage

Owning is licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. NMLS 2611. Disclosed rate assumes a rate and term refinance of an owner-occupied single-family residence of a loan amount from $400,000 to the maximum conforming loan limit amount in the property’s county. Minimum 740 FICO score, 55% loan to value with no subordinate debt. If these factors are not met, you may still qualify for a loan but higher interest rates and closing costs may apply. Sample payment does not include taxes, insurance or assessments. Your actual payment obligation may be higher. Not all applicants will be approved. Advertised rate and APR are subject to change without notice. By refinancing the existing loan, the total finance charges may be higher over the life of the loan. Subject to underwriting approval.

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10/6 ARM

Owning is licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. NMLS 2611. 10/6 ARM is a 30 year Adjustable Rate Mortgage with interest rate, and monthly principal and interest payment, fixed for the first 10 years (120 months). Payments are subject to increase every 6 months after initial 10 year period. After 10 years the first interest rate adjustment cap is 5%; subsequent semi-annual interest rate adjustment caps are 1%; lifetime 30 year loan interest rate adjustment cap is 5%. Interest rate and monthly payments after initial period are based on a margin of 3.00% and the current Secured Overnight Financing Rate SOFR Index.  Disclosed rate assumes a minimum purchase price of $400,000 up to the maximum conforming loan limit amount in the property’s county with a 40% down payment and 30-year term. All advertised rates and APR are subject to change. Loan assumes a first lien position, 740 FICO score, 30 day rate lock on a primary residence and are subject to change without notice. If these factors are not met, you may still qualify for a loan but higher interest rates and closing costs may apply. Sample payment does not include taxes, insurance or assessments. Your actual payment obligation may be higher. Not all applicants will be approved. Advertised rate and APR are subject to change without notice. Subject to underwriting approval.

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For more information about Adjustable Rate Mortgages, visit consumerfinance.gov 

On Loan Amount over $647,200, up to $970,800
15 & 30 Year Fixed - First Mortgage

Owning is licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. NMLS 2611. Disclosed rate assumes a rate and term refinance of an owner-occupied single-family residence of a loan amount from $600,000 to the maximum conforming loan limit amount in the property’s county. Minimum 740 FICO score, 55% loan to value with no subordinate debt. If these factors are not met, you may still qualify for a loan but higher interest rates and closing costs may apply. Sample payment does not include taxes, insurance or assessments. Your actual payment obligation may be higher. Not all applicants will be approved. Advertised rate and APR are subject to change without notice. By refinancing the existing loan, the total finance charges may be higher over the life of the loan. Subject to underwriting approval.

Click here to see monthly payment