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Rates are based on a Purchase transaction for a single-family home that is your primary residence, with a loan of $300k, 780 credit score, purchase price or appraisal of $400k, a debt-to-income ratio of less than 40%. APR includes total lender fees of $1,115 for underwriting, processing, and originating. Rates and fees may vary and are based on credit history, down payment, property type, and other factors associated with your loan application. Loans with less than 20% down payment may require Private Mortgage Insurance. Rates are subject to change without notice based on market changes. Rates are based on a 28-day lock.
Points are the percentage of the loan amount that is either charged or given as a credit at closing for that specific interest rate. A positive number represents a charge for that rate; a negative number represents a credit given for that rate.