Disclosures: The mortgage rates shown are based upon a variety of assumptions and conditions which include a consumer credit score which may be higher or lower than your individual credit score. Your loan’s interest rate will depend upon the specific characteristics of your loan transaction and your credit profile up to the time of closing. The advertised rates are assuming a $484,350.00 loan amount for conforming, $726,525.00 loan amount for super conforming, and $1,000,000 for Jumbo. FICO score of 760 with a maximum loan-to-value ratio of 60% on a primary residence. The annual percentage rate (APR), is the cost of credit over the term of the loan expressed as an annual rate. The displayed Annual Percentage Rate (APR) for the loan products shown reflects the interest rate and approximate cost of prepaid finance charges, including discount points based on rate scenarios shown. The approximate cost of prepaid finance charges does not constitute and is not a substitute for the Loan Estimate of Closing Costs (LE) that you will receive once you apply for a loan. All rates and fees are subject to change without notice. All rates quoted are for 1st trust deeds. The APR on ARMs may increase after consummation. Stated income loans may have a higher interest rate, more points or more fees than other products requiring documentation. Locks for all rates quoted is 30 days. This material is not from HUD or FHA and has not been approved by HUD or a government agency. For more information, please contact us.