1. APR = Annual Percentage Rate. The advertised rates are based on a loan amount of $647,200 for conforming loans and $1,000,000 for jumbo loans for stated term including applicable points and customary closing costs. For 3/1 Adjustable Rate Mortgages (ARM) and 5/1 Adjustable Rate Mortgages (ARM) the advertised rates are based on a loan amount of $647,200 for conforming loans and $1,000,000 for jumbo loans for stated term including applicable points and customary closing costs.

Advertised rates available for properties located in California. 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%.

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 United States Treasury securities adjusted to a constant maturity  of  1 year, using weekly data (1YR  CMT weekly)  as made available by the Federal Reserve Board.

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.