Conforming rates assume purchasing/refinancing an owner-occupied, one-unit, single family dwelling at a loan amount of $175,000 that is to be made to a consumer with proof of employment & income with a credit score of 740+. The loan is based on a 25% down payment/equity (75% LTV), a 30 day lock (that begins no later than the approval of the loan) and 0 to 2 cumulative discount points. The loan pricing assumes escrowing both taxes and insurance. Annual Percentage Rates (APR) include all prepaid finance charges that can be amortized over the life of the loan under the Truth-in-Lending Act. All quotes are for conforming products or loans that can be sold on the secondary market with no prepayment penalties nor negative amortization. Rates are good as of the survey date, but may change without notice. The rate, terms, pre-paid finance charges and APR may vary based on a number of factors including, but not limited to, the creditworthiness of the applicant(s), self employment status of the applicant(s), condo or townhouse structure, loan amount, loan-to-value and geographic location of the property. Interest rates shown are subject to change without notice. Certain geographic or loan restrictions may apply, specifically on the AGENCY JUMBO products. AGENCY JUMBO rates are based on a loan amount of >$417,000, assuming a 20% down payment & >740 credit score. ARM rates are based on 80% loan-to-value (LTV) .