Advertising Disclosures

Rate Disclosures

Disclosure Assumptions - Current as of March 31, 2022
  • The Interest rates quoted assume a $300K loan amount, $378K value (~80% LTV), Primary Single Family Residence (SFR 1 unit), Owner Occupied (O/O), with impounds (Escrow), 780 FICO score, 43 DTI (Debt-To-Income ratio), Alameda County, CA.
  • The actual interest rate, APR, and payment may vary based on specific terms of the loan selected, verification of information, your credit history, the location and type of property and other factors.
  • Not available in all states.
  • Rates are subject to change daily without notice.
  • Payment amounts shown do not include taxes or insurance.

15-year Fixed-Rate as low as 3.625% (3.971% APR)
  • The advertised loan is a 15-year fixed-rate full amortizing loan, assuming a $300,000 loan amount and a 3.625% interest rate.
  • This loan has 180 monthly principal and interest payments of $2,162. The disclosure APR is based on 1.465 discount points and $4,395 in additional prepaid finance charges due at closing.
  • The Annual Percentage Rate (APR) is 3.971%

30-year Fixed-Rate as low as 4.375% (4.601% APR)
  • The advertised loan is a 30-year fixed-rate full amortizing loan, assuming a $300,000 loan amount and a 4.375% interest rate.
  • This loan has 360 monthly principal and interest payments of $1,497. The disclosed APR is based on 1.717 discount points and $5,151 in additional prepaid finance charges due at closing.
  • The Annual Percentage Rate (APR) is 4.601%

15-year Fixed-Rate VA Loan as low as 3.5% (4.264% APR)
  • The advertised loan is a 15-year fixed-rate full amortizing loan, assuming a $300,000 loan amount and a 3.5% interest rate.
  • This loan has 180 monthly principal and interest payments of $2,215. The disclosure APR is based on 1.056 discount points and $3,168 in additional prepaid finance charges due at closing.
  • The Annual Percentage Rate (APR) is 4.264%

30-year Fixed-Rate VA Loan as low as 4% (4.418% APR)
  • The advertised loan is a 30-year fixed-rate full amortizing loan, assuming a $300,000 loan amount and a 4% interest rate.
  • This loan has 360 monthly principal and interest payments of $1,479. The disclosed APR is based on 0.826 discount points and $2,478 in additional prepaid finance charges due at closing.
  • The Annual Percentage Rate (APR) is 4.418%