American Dream Quotes - Mortgages - Refinance


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* About our advertised fixed interest rates and payment terms:

- Our advertised fixed interest rates are based on a 15-year fixed-rate loan with a loan-to-value ratio of less than 80% and are current as of Nov 23rd, 2009. The Annual Percentage Rates (APRs) of the loans will be slightly higher. Loans may carry closing costs and/or origination points. Rate and terms offered may vary depending on your credit history and other qualifications, amount of equity in the property, property location, type of property, and other factors. We arrange but do not make loans.
- Our advertised payment example of $200,000 mortgage with payments as low as $1,043 assumes a 30-year fixed mortgage with a fixed rate of 4.75%, Annual Percentage Rate (APR) of 5.00% and 2.25% loan origination/discount points due at closing. Rates and APRs may vary depending on loan details, such as points, loan amount, loan-to-value, your credit, property type, and occupancy. The example assumes a credit score of 780 or greater with a loan to value (LTV) of 80% or less on a primary residence. This program is available as of Nov 23rd, 2009 from a participating Service Provider. We arrange but do not make loans.

* About our advertised adjustable interest rates and payment terms:

$200,000 for $926/month . Disclosure current as of Nov 23rd, 2009
* The advertised loan is a 5/1 ARM (Adjustable Rate Mortgage) with a 30-year fully amortizing term.
* The initial interest rate is 3.750% for 5 years with 1.125 discount points due at closing.
* For a $200,000 loan, there is a 3.721% APR with an initial monthly principal and interest payment of $926 for the first 5 years.
* After the initial period, the variable interest rate and payment will adjust every year and equal the total of the 12-month LIBOR index (1.213% as of October 10, 2009) plus a margin.
* The maximum periodic change in the interest rate is 2% with a maximum rate increase of 5% above the initial interest rate.
* The Annual Percentage Rate (APR) is variable and is subject to increase or decrease, so your payments may increase or decrease each year.

Disclosure Assumptions
* Interest rate quoted assumes a FICO score of 720 with a maximum loan-to-value ratio of 80% on a primary residence
* The actual interest rate, APR and payment may vary based on the specific terms of the loan selected, verification of information, your credit history, the location and type of property, and other factors.
* Not available in all states.
* Rates are subject to change daily without notice.
* Payment amounts shown do not include taxes or insurance.


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