Home Refinance Rates

**Payment examples do not include escrow of taxes and insurance; therefore, the actual monthly payment obligation may be greater.

The following applies to mortgage products listed above:

*APR is based on a set of assumptions, which include the following:

1. Cash-out refinance
2. A loan amount of $250,000
3. A combined loan to value of 80%
4. A 1-4 family Residential Dwelling
5. A property intended to be utilized as a primary place of residence or second home
6. Points and fees apply and very based on product

Please contact one of our mortgage experts about our:

1. Jumbo rates for loan amounts greater than $766,550
2. Other term options
3. 1-4 Family Residential Investment Properties
4. Other rate and point options

Actual rate may vary based on the property type, occupancy, term, and geography.

The interest rate of the product for which you apply will not increase after consummation.

Combined Loan to Value (CLTV) up to 97% are available for certain mortgage products, property types and loan amounts.

Hazard Insurance (flood insurance, if applicable) is required.

This is not a commitment to lend; all loans are subject to credit approval and other criteria.

Rates are subject to change without notice.

**Payment Example (3-Year/6-Month Adjustable Rate): A loan amount of $250,000 with an interest rate of 6.125% and an APR of 7.887% APR have a monthly payment of $1,519.03 for years 1-3. For years 4-30, interest rate and payments may change once every 6 months based on any increase or decrease in the Secured Overnight Financing Rate (SOFR) index as outlined in your agreement. Taxes and insurance are not included; therefore, the actual payment obligation will be greater.

**Payment Example (5-Year/6-Month Adjustable Rate): A loan amount of $250,000 with an interest rate of 6.250% and an APR of 7.626% will have a monthly payment of $1,539.29 for years 1-5. For years 6-30, interest rate and payments may change once every 6 months based on any increase or decrease in the Secured Overnight Financing Rate (SOFR) index as outlined in your agreement. Taxes and insurance are not included; therefore, the actual payment obligation will be greater.

**Payment Example (7-Year/6-Month Adjustable Rate): A loan amount of $250,000 with an interest rate of 6.500% and an APR of 7.512% will have a monthly payment of $1,580.17 for years 1-7. For years 8-30, interest rate and payments may change once every 6 months based on any increase or decrease in the Secured Overnight Financing Rate (SOFR) index as outlined in your agreement. Taxes and insurance are not included; therefore, the actual payment obligation will be greater.

**Payment Example (10-Year/6-Month Adjustable Rate): A loan amount of $250,000 with an interest rate of 6.000% and an APR of 6.797% will have a monthly payment of $1,498.88 for years 1-10. For years 11-30, interest rate and payments may change once every 6 months based on any decrease or increase in the Secured Overnight Financing Rate (SOFR) index as outlined in your agreement. Your monthly payment during years 11-30 can range from $1,160.29 to $2,159.48 due to this factor. Taxes and insurance are not included; therefore, the actual payment obligation will be greater.

The following applies to the mortgage products listed above:

*APR is based on a set of assumptions, which include the following:

1. Cash-out refinance
2. A loan amount of $250,000
3. A combined loan to value of 80%
4. A rate floor of 3.000%
5. A margin of 3.000% and lifetime rate cap of 5.000% (This means the rate will not increase by more than 5.000% over the life of the loan)
6. A 1-4 family Residential Dwelling
7. A property intended to be utilized as a primary place of residence or second home
8. Points and fees apply

Please contact one of our mortgage experts about our:

1. Jumbo rates for loan amounts greater than $766,550
2. Other term options
3. 1-4 Family Residential Investment Property rates
4. Other rate and point options

Actual rate may vary based on property type, occupancy, term, and geography. 

Rates advertised are a variable rate and may change every 6 months after the initial 10-year fixed period. The interest rate will be determined by adding the index to the margin. 

Loan to Value (LTV) up to 80% are available for certain mortgage products, property types, and loan amounts.

Hazard Insurance (flood insurance, if applicable) is required.

This is not a commitment to lend; all loans are subject to credit approval and other criteria.

Rates are subject to change without notice.

**Payment examples do not include escrow of taxes and insurance; therefore, the actual monthly payment obligation may be greater.

The following applies to mortgage products listed above:

*APR is based on a set of assumptions, which include the following:

1. A no cash-out refinance
2. A loan amount of $250,000
3. A combined loan to value of 80%
4. A 1-4 family Residential Dwelling
5. A property intended to be utilized as a primary place of residence or second home
6. Point and fees apply and very based on product

Please contact one of our mortgage experts about our:

1. Jumbo rates for loan amount of greater than $766,550
2. Other term options
3. 1-4 Family Residential Investment Properties
4. Other rate and point options

Actual rate may vary based on the property type, occupancy, term, and geography.

The interest rate of the product for which you apply will not increase after consummation.

Combined Loan to Value (CLTV) up to 97% are available for certain mortgage products, property types and loan amounts.

Hazard Insurance (flood insurance, if applicable) is required.

 This is not a commitment to lend; all loans are subject to credit approval and other criteria.

 Rates are subject to change without notice.

**Payment Example (3-Year/6-Month Adjustable Rate): A loan amount of $250,000 with an interest rate of 6.000% and an APR of 7.848% APR have a monthly payment of $1,498.88 for years 1-3. For years 4-30, interest rate and payments may change once every 6 months based on any increase or decrease in the Secured Overnight Financing Rate (SOFR) index as outlined in your agreement. Taxes and insurance are not included; therefore, the actual payment obligation will be greater.

**Payment Example (5-Year/6-Month Adjustable Rate): A loan amount of $250,000 with an interest rate of 6.125% and an APR of 7.571% will have a monthly payment of $1,519.03 for years 1-5. For years 6-30, interest rate and payments may change once every 6 months based on any increase or decrease in the Secured Overnight Financing Rate (SOFR) index as outlined in your agreement. Taxes and insurance are not included; therefore, the actual payment obligation will be greater.

**Payment Example (7-Year/6-Month Adjustable Rate): A loan amount of $250,000 with an interest rate of 6.500% and an APR of 7.512% will have a monthly payment of $1,580.17 for years 1-7. For years 8-30, interest rate and payments may change once every 6 months based on any increase or decrease in the Secured Overnight Financing Rate (SOFR) index as outlined in your agreement. Taxes and insurance are not included; therefore, the actual payment obligation will be greater.

 **Payment Example (10-Year/6-Month Adjustable Rate): A loan amount of $250,000 with an interest rate of 5.875% and an APR of 6.674% will have a monthly payment of $1,478.84 for years 1-10. For years 11-30, interest rate and payments may change once every 6 months based on any decrease or increase in the Secured Overnight Financing Rate (SOFR) index as outlined in your agreement. Your monthly payment during years 11-30 can range from $1,156.40 to $2,134.53 due to this factor.  Taxes and insurance are not included; therefore, the actual payment obligation will be greater.

The following applies to the mortgage product listed above:

*APR is based on a set of assumptions, which include the following:

1. A no-cash-out refinance
2. A loan amount of $250,000
3. A combined loan to value of 80%
4. A rate floor of 3.000%
5. A margin of 3.000% and lifetime rate cap of 5.000% (This means the rate will not increase by more than 5.000% over the life of the loan)
6. A 1-4 family Residential Dwelling
7. A property intended to be utilized as a primary place of residence or second home
8. Points and fees apply

Please contact one of our mortgage experts about our:

1. Jumbo rates for loan amounts greater than $766,550
2. Other term options
3. 1-4 Family Residential Investment Property rates
4. Other rate and point options

Actual rate may vary based on property type, occupancy, term, and geography. 

Rates advertised are a variable rate and may change every 6 months after the initial 10-year fixed period. The interest rate will be determined by adding the index to the margin. 

Loan to Value (LTV) up to 95% are available for certain mortgage products, property types, and loan amounts.

Hazard Insurance (flood insurance, if applicable) is required.

This is not a commitment to lend; all loans are subject to credit approval and other criteria.

Rates are subject to change without notice.