Disclosures

Disclosed rates assume a rate & term (no cash-out) refinance of an owner-occupied single-family residence of a loan amount of $500,000. Minimum 760 FICO score, 60% loan to value with no subordinate debt for a borrower who is a wage earner (not self-employed). If these factors are not met, you may still qualify for a loan but higher interest rates and closing costs may apply. Not all applicants will be approved. Advertised Rate and APR are subject to change without notice. All applicants are subject to underwriting approval and additional guideline qualifications.

Disclosed rates assume a rate & term (no cash-out) refinance of an owner-occupied single-family residence of a loan amount of $800,000. Minimum 760 FICO score, 60% loan to value with no subordinate debt for a borrower who is a wage earner (not self-employed). If these factors are not met, you may still qualify for a loan but higher interest rates and closing costs may apply. Not all applicants will be approved. Advertised Rate and APR are subject to change without notice. All applicants are subject to underwriting approval and additional guideline qualifications.

Disclosed rate assumes a rate & term (no cash-out) refinance of an owner-occupied single-family residence of a loan amount of $1,000,000. Minimum 760 FICO score, 60% loan to value with no subordinate debt for a borrower who is a wage earner (not self-employed). If these factors are not met, you may still qualify for a loan but higher interest rates and closing costs may apply. Not all applicants will be approved. Advertised Rate and APR are subject to change without notice. All applicants are subject to underwriting approval and additional guideline qualifications.

Disclosed rate assumes the rate & term (no cash-out) refinance of an owner-occupied single-family residence of a loan amount of $1,000,000. Minimum 760 FICO score, 60% loan to value with no subordinate debt for a borrower who is self-employed for at least two years verified by a business license or CPA letter. Applicant must provide 24-months of bank statements in place of tax returns for income calculation and qualification and must show reserves equal to 12 months of PITI for subject property (principal/interest payment, property taxes and insurance combined) for this specific scenario. Additional reserves may be required if applicants own multiple properties. If these factors are not met, you may still qualify for a loan but higher interest rates and closing costs may apply. Not all applicants will be approved. Advertised Rate and APR are subject to change without notice. All applicants are subject to underwriting approval and additional guideline qualifications.

Disclosed rate assumes the rate & term (no cash-out) refinance of an owner-occupied single-family residence of a loan amount of $1,000,000. Minimum 760 FICO score, 60% loan to value with no subordinate debt for a borrower who is self-employed for at least two years verified by a business license or CPA letter. Applicant must provide previous year and year-to-date Profit & Loss statement prepared by a CPA or Tax Professional for income calculation and qualification. Applicant must show reserves equal to 12 months of PITI for subject property (principal/interest payment, property taxes and insurance combined) for this specific scenario. Additional reserves may be required if applicants own multiple properties. If these factors are not met, you may still qualify for a loan but higher interest rates and closing costs may apply. Not all applicants will be approved. Advertised Rate and APR are subject to change without notice. All applicants are subject to underwriting approval and additional guideline qualifications.

Disclosed rate assumes the rate & term (no cash-out) refinance of a tenant-occupied single-family residence of a loan amount of $1,000,000 with a 3-year Pre-Payment Penalty. Minimum 760 FICO score, 60% loan to value with no subordinate debt. Qualification is based on property cash-flow (rents collected by owner/landlord) to be equal or greater than new loan PITI (principal/interest payment, property taxes and insurance combined). Applicant must show reserves equal to 6 months of PITI for subject property (principal/interest payment, property taxes and insurance combined) for this specific scenario. Additional reserves may be required if applicants own multiple properties. If these factors are not met, you may still qualify for a loan but higher interest rates and closing costs may apply. Not all applicants will be approved. Advertised Rate and APR are subject to change without notice. All applicants are subject to underwriting approval and additional guideline qualifications.

Disclosed rate assumes the rate & term (no cash-out) refinance of an owner-occupied single-family residence of a loan amount of $1,000,000. Minimum 760 FICO score, 60% loan to value with no subordinate debt. No income or employment verification is required. Applicant must show reserves equal to 60 months of PITI for subject property (principal/interest payment, property taxes and insurance combined) for this specific scenario. Additional reserves may be required if applicants own multiple properties. If these factors are not met, you may still qualify for a loan but higher interest rates and closing costs may apply. Not all applicants will be approved. Advertised Rate and APR are subject to change without notice. All applicants are subject to underwriting approval and additional guideline qualifications.