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

• Conforming Loan Amount of $647,200 plus applicable points and customary closing costs

• High Balance Loan Amount of $970,800 plus applicable points and customary closing costs

• Jumbo Loan Amount of $1,250,000 plus applicable points and customary closing costs

2. High Balance Mortgages allow for higher loan limits beyond the $647,200 conforming limit up to $970,800 for high-cost areas as determined by the Federal Housing Finance Agency

3. All Adjustable Rate Mortgages (ARM) have a 30-year amortization. ARM rates are subject to change on specified dates.  The APR for the adjustable rate mortgage is based on the 30-day compounded average Secured Overnight Financing Rate (SOFR), the index, as made available by the Federal Reserve Bank of New York, plus a margin. Subsequent to the initial period, the periodic caps are 1% every adjustment and 5% lifetime based on the initial rate.

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 features such as credit score, loan purpose, occupancy, number of units, product type, loan amount your rate may be higher or high balance feature 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.