Advertised loans assume properties in CA, as well as escrow accounts (monthly collection of subject property taxes and any applicable homeowners insurance with your monthly principal and interest payment) unless you request otherwise and the loan program and applicable law allows. Should you choose to waive escrows, your rate, costs, and/or APR may increase. This is not a credit decision or a commitment to lend. Mortgage insurance may be required depending on loan guidelines. If mortgage insurance is required, the mortgage insurance premium could increase the APR and the monthly mortgage payment. Additional loan programs may be available. Maximum CLTV for rate & term refinances single family owner occupied, approved condominium, town home project is 80% when mortgage insurance is not obtained. Mortgage Insurance (MI) is required on all owner-occupied loans with greater than 80% CLTV. Maximum CLTV for non-owner occupied homes is 75% for 1 unit and 70% for 2-4 units.

APR = Annual Percentage Rate.  The advertised APRs are based on the following:

• Conforming Loan Amount of $726,200 plus applicable points and customary closing costs

• High Balance Loan Amount of $1,089,300 plus applicable points and customary closing costs

• Jumbo Loan Amount – call for details

• High Balance Mortgages allow for higher loan limits beyond the $726,200 conforming limit up to $1,089,300 for high-cost areas as determined by the Federal Housing Finance Agency.

All loans and borrowers are subject to credit, income, debt, and property qualification. Underwriting terms and conditions apply. Loan level pricing adjustments may apply based upon certain eligibility or other loan stipulations such as credit score, loan purpose, occupancy, number of units, product type, loan amount, and total CLTV. Rates, conditions, and terms are subject to change without notice. Other restrictions and conditions may apply. Hazard insurance is required. NMLS ID Number is 729232.