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 $200,000.00 loan amount, $267,000.00 appraised value, FICO score of 720 with a maximum loan-to-value ratio of 75% 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 Good Faith Estimate of Closing Costs (GFE) that you will receive once you apply for a loan. Conventional loans with a down payment less than 20% and all FHA loans require mortgage insurance which could increase the monthly payment and Annual Percentage Rate (APR). For more information, please contact me.