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APR & Interest
Facts: Rate Sheet Assumptions
- Annual Percentage Rate (APR) calculations displayed
assume by default a documented loan in the amount of $150,000.
Assumptions based upon loans for an acceptable owner-occupied
detached single family residence (SFR) with loan-to-value ratio
(LTV) of less than 80%. Also assumed is an impound account for the
purposes of satisfying property tax & insurance fees. Rate and
term refinance. Restrictions may apply, based upon destination
lender standards.
- Any displayed non-conforming APR calculations for
home loans assume a fully documented loan amount of $400,000.
Calculator reliant upon assumption of an owner-occupied, detached
SFR with LTV ratio less than 80%. Also assumed is an impound
account for the purposes of satisfying property tax & insurance
fees. Rate and term refinance. Restrictions may apply, based
upon destination lender standards.
- APR calculations assumptively include impound
account for satisfaction of tax and insurance fees, 15 days prepaid
interest at time of escrow fruition and no subordinate financing.
- Typically, Zero Cost minimum loan amount is
$150,000. Destination lender reserves stipulation rights.
- Assumed flat-fee mortgage programs based upon loan amount
between $150,000 and $650,000. Also assumed are full documentation,
impound taxes & insurance. Subject property assumed
owner-occupied, detached single family residence with a related LTV
less than 70%. In many cases lender pays miscellaneous closing
costs. These costs include (but are not limited to): Property
appraisal charges, escrow fees, notary fees, processing fees,
recording fees and title insurance fees. Normally, destination
lenders require that borrower be responsible for new loan interest
costs, satisfaction of outstanding property liens, property related
costs (such as association and seller fees, certifications [septic,
termite, and well], insurance [earthquake, flood, hazard, and
private mortgage] & taxes [mortgage and property]). Other flat
closing fee may be available. Please inquire about the availability
of flat closing fee purchase loan programs with destination lender.
- Adjustable rate mortgage APR calculations are based
upon the index and investor based margins.
Individual restrictions apply, based upon
destination lender criteria. Rates may change or fluctuate without
notice. Not all loan applicants may qualify. Qualification determined at
destination based upon lender individual criteria. Equal Housing
Lenders.
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