Sarah Baar

• Credit score 740 or higher
• LTV 80% (20% down payment)
• Loan amount of $230,000
• Purchase
• Owner occupied/single family home
• No secondary financing
• Escrow for taxes and insurance
• 45-day lock
• Finance charges include $850 origination fee, $6.70 flood certification fee and $72 tax service fee. Additional closing costs apply.

Please note that if your credit score, down payment, loan amount or other characteristics listed are different than the above assumptions, your rate could be higher or lower. Subject to credit approval. Property insurance is required. Rates, terms and conditions effective 12/2/22 are for sample purposes only and subject to change. Rate payment example does not include costs of insurance and taxes; therefore, the actual payment obligation will be higher. Please contact your Mortgage Loan Officer for specific, customized pricing for your financial situation.

• Credit score 700 or higher
• LTV 80% (20% down payment)
• Loan amount of $230,000
• One-time close construction
• Assumes a 1-year construction phase followed by fully amortizing 30-year permanent phase
• 90-day lock
• Finance charges include $1,050 origination fee, $6.70 flood certification fee and $72 tax service fee. Additional closing costs apply.

• Credit score 740 or higher
• LTV 60% (40% down payment)
• Loan amount of $1,000,000
• Purchase
• Owner occupied/single family home
• No secondary financing
• 45-day lock
• Finance charges include $850 origination fee, $6.70 flood certification fee and $72 tax service fee. Additional closing costs apply.

Please note that if your credit score, down-payment, loan amount, or other characteristics listed are different than the above assumptions, your rate could be higher or lower. Loan amount $510,401 to $1,000,000. Subject to credit approval. Property insurance is required. Rates, terms and conditions effective 12/2/22 are for sample purposes only and subject to change. Rate payment example does not include costs of insurance and taxes; therefore, the actual payment obligation may be higher. Please contact your Mortgage Loan Officer for specific, customized pricing for your financial situation.

• Credit score 740 or higher
• LTV 80% (20% down payment)
• Loan amount of $230,000
• Purchase
• Owner occupied/single family home
• No secondary financing
• Escrow for taxes and insurance
• 45-day lock
• Finance charges include $850 origination fee, $6.70 flood certification fee and $72 tax service fee. Additional closing costs apply.

Please note that if your credit score, down-payment, loan amount, or other characteristics listed are different than the above assumptions, your rate could be higher or lower. Loan amount up to $510,400. Subject to credit approval. Property insurance is required. Rates, terms and conditions effective 12/2/22 are for sample purposes only and subject to change. Rate payment example does not include costs of insurance and taxes; therefore, the actual payment obligation will be higher. Please contact your Mortgage Loan Officer for specific, customized pricing for your financial situation.

Additional example of how an ARM is calculated: On a $230,000, 5/6mo SOFR ARM amortized over 30 years with an initial interest rate of 2.250% with an annual percentage rate of 2.783%, after fixed-period of 5 years the rate may increase every six months; individual adjustments are capped at 2% first, 1% subsequent and rate can never increase by more than the lifetime cap of 5%. Finance charges include $850 origination fee, $6.70 flood certification fee and $72 tax service fee. Additional closing costs apply. A payment example would be as follows based on a fully-capped interest rate of the loan: Months 1-60 at 2.250% rate with a payment of $879.17, Months 61-66 at 4.250% rate with a payment of $1,092.05 Months 67-72 at 5.250% rate with a payment of $1,206.10 Months 73-78 at 6.250% rate with a payment of $1,324.01 Months 79-359 at 7.250% rate with a payment of $1,445.33 and Month 360 at 7.250% rate with a payment of $1,445.79. The monthly payment may change when the interest rate on an adjustable rate mortgage is reset. After the initial fixed-rate period, your interest rate can increase every six months according to the market index. Current index (30 day avg SOFR) as of September, 2020 is 0.08467%. The current index plus Margin rounded to the nearest 0.125 is 3.000%. Any change may significantly impact your monthly payment. Rate payment example does not include costs of insurance and taxes; therefore, the actual payment obligation may be higher.

• Credit score 640 or higher
• LTV 96.5% (3.5% down payment)
• Base loan amount of $170,000; Total loan amount of $172,975
• Purchase
• Owner occupied/single family home
• Escrow for taxes and insurance
• 45-day lock
• Finance charges include 1.75% of base loan amount for upfront mortgage insurance premium, $850 origination fee and $6.70 flood certification fee. Additional closing costs apply.

Please note that if your credit score, down-payment, loan amount or other characteristics listed are different than the above assumptions, your rate could be higher or lower. Subject to credit approval. Property insurance is required. Rates, terms and conditions effective 12/2/22 are for sample purposes only and subject to change. Rate payment example does not include costs of insurance and taxes; therefore, the actual payment obligation will be higher. Please contact your Mortgage Loan Officer for specific, customized pricing for your financial situation.

Example Payment Schedule: Listed below is the payment schedule for an FHA loan with a base loan amount of $170,000 and a total loan amount of $172,975, a rate of 3.250%, with an annual percentage rate of 4.279%, amortized over 30 years. Finance charges include 1.75% of base loan amount for upfront mortgage insurance premium, $850 origination fee and $6.70 flood certification fee. Additional closing costs apply.