• Annual Percentage Rate (APR) calculations assume:   *
  single-family, detached, owner-occupied primary residence; 
  a loan-to-value ratio of less than 90%; 
  a minimum FICO score of 720; 
  no cash out on refinance;
  and a loan amount of $200,000, unless otherwise specified.
• Annual Percentage Rate (APR) calculations assume no subordinate financing and that the borrower will provide full income documentation.
• On purchase-money loan transactions, the Fee does not include fees for: title exam, abstract of title, title insurance, property survey, title policy endorsements or outside escrow company charges. These costs must be paid for by the consumer in addition to the Fee.
• Available first mortgage rates and fees may vary depending on your property's location.
• Monthly Payment per $1,000 and Monthly Payment calculations include principal and interest ONLY.   PMI (Private Mortgage Insurance), hazard insurance, property taxes, state taxes, mortgage taxes, homeowner's association dues, and any other recurring costs are not included.
• Rates may be higher for loan amounts under $100,000 and over $333,700.  $333,700 are considered jumbo loans.  Please call for details. 
• Rates are subject to change without notice.
• Closing Costs assume 30 days prepaid interest and that a borrower will escrow monthly property tax and insurance payments.
• Restrictions may apply.
• Subject to underwriter approval; not all applicants will be approved.
• Fees and charges apply.
• Taxes and insurance are extra.
• On refinance transactions, the Annual Percentage Rate (APR) calculations assume a rate and term refinance, any cash out can change terms/rates/fees.
• In a refinance transaction, we at my mortgage company LendSmart Mortgage does not pay any reconveyance fees that are charged by the borrowers existing lender for the reconveyance of the deed of trust. This includes but is not limited to reconveyance, demand and recording fees.

*Rates and APR subject to change because interest rates/APR and loan terms can and do change daily.