Rates Last Modified: January 26, 2022

Loan details for Fixed Rate Mortgages

Term	Rate	APR	Points	Example Monthly Payment below is for $200,000 Loan Amount
30-Year Fixed Rate	3.625%	3.683%	0.00	$912.10
20-Year Fixed Rate	3.375%	3.455%	0.00	$1,147.11
15-Year Fixed Rate	3.00%	3.102%	0.00	$1,381.16

*Available for 1-4 unit owner-occupied dwellings in an amount up to $647,200. APR based on a $200,000 loan amount. Hazard insurance and title insurance are required. Rates locked as of date of application for 60-day period and are subject to market conditions thereafter. The payment amounts listed in the above table do not include amounts for taxes and insurance premiums. The actual payment obligation will be greater in most cases. Loans are subject to credit approval. Actual interest rate is based on FICO score and other determining factors.

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Loan details for 5 Year / 6 Month Adjustable-Rate Mortgage (ARM)*

Number of payments	Estimate interest rate	Example Monthly Payment below is for $200,000 Loan Amount
60	2.375%	$777.31
299	2.875%	$821.92
1	2.875%	$820.01

The above monthly payments are based on a loan amount of $200,000 with an initial interest rate of 2.375% (2.758% APR) for 60 months and 0.0 points. The payment amounts listed in the above table do not include amounts for required taxes, hazard insurance premium and title insurance premium.

Maximum rate and payment adjustments

After the initial fixed-rate period based on the initial interest rate and interest rate caps disclosed above, the maximum first adjusted rate for this loan will never be more than 4.375%, with a maximum first payment of $964.30 The maximum lifetime rate will never be more than 7.375% with an estimated maximum monthly payment of $1,274.14

Your results are based on the purchase of a home in ZIP code 19317 with an estimated purchase price of $250,000.00 and an estimated down payment of $50,000.00.

Current index rate: Secured Overnight Financing Rate 30 day average	0.050%
Margin	2.75%
Rate adjustment frequency	Every six months
First adjusted interest rate cap	2.00%
Subsequent semi-annual adjusted interest rate cap	1.00%
Lifetime rate cap	5.00%

*The introductory APR will be determined at the time of loan approval based on your FICO score and other determining factors. The APR is subject to change after consummation and may change semi-annually after the first 60 months. After the introductory period, the APR is determined by adding a margin of 2.75% to the Secured Overnight Financing Rate (SOFR) with a floor of 2.75% APR. The APR is subject to change after consummation and may change semi-annually after the first 5 years. Conforming loans are up to $647,200. Rates can be locked for 60 days.

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Loan details for 7 Year / 6 Month Adjustable-Rate Mortgage (ARM)

Number of payments	Estimate interest rate	Example Monthly Payment below is for $200,000 Loan Amount
84	2.500%	$790.25
275	2.875%	$821.49
1	2.875%	$821.41

The above monthly payments are based on a loan amount of $200,000.00 with an initial interest rate of 2.500% (2.759% APR) for 84 months and 0.0 points. The payment amounts listed in the above table do not include amounts for required taxes, hazard insurance premium and title insurance premium.

Maximum rate and payment adjustments

After the initial fixed-rate period based on the initial interest rate and interest rate caps disclosed above, the maximum first adjusted rate for this loan will never be more than 7.500%, with a maximum first payment of $1,261.97 The maximum lifetime rate will never be more than 7.500% with an estimated maximum monthly payment of $1,261.97.

Current index rate: Secured Overnight Financing Rate 30 day average	0.050%
Margin	2.75%
Rate adjustment frequency	Every six months
First adjusted interest rate cap	5.00%
Subsequent semi-annual adjusted interest rate cap	1.00%
Lifetime rate cap	5.00%

*The introductory APR will be determined at the time of loan approval based on your FICO score and other determining factors. The APR is subject to change after consummation and may change every five years after the first 60 months. After the introductory period, the APR is determined by adding a margin of 2.75% to the Secured Overnight Financing Rate 30 day average with a floor of 2.75% APR. The APR is subject to change after consummation and may change semi-annually after the first 7 years. Conforming loans are up to $647,200. Rates can be locked for 60 days.

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Loan details for 10 year / 6 Month Adjustable-Rate Mortgage (ARM)

Number of payments	Estimate interest rate	Example Monthly Payment below is for $200,000 Loan Amount
120	3.000%	$843.21
239	2.875%	$833.73
1	2.875%	$831.77

The above monthly payments are based on a loan amount of $200,000.00 with an initial interest rate of 3.000% (3.007% APR) for 120 months and 0.0 points. The payment amounts listed in the above table do not include amounts for required taxes, hazard insurance premium and title insurance premium.

Maximum rate and payment adjustments

After the initial fixed-rate period based on the initial interest rate and interest rate caps disclosed above, the maximum first adjusted rate for this loan will never be more than 8.000%, with a maximum first payment of $1,271.72 The maximum lifetime rate will never be more than 8.000% with an estimated maximum monthly payment of $1,271.72.

Current index rate: Secured Overnight Financing Rate 30 day average	0.050%
Margin	2.75%
Rate adjustment frequency	Every six months
First adjusted interest rate cap	5.00%
Subsequent semi-annual adjusted interest rate cap	2.00%
Lifetime rate cap	5.00%

*The introductory APR will be determined at the time of loan approval based on your FICO score and other determining factors. The APR is subject to change after consummation and may change annually after the first 84 months. After the introductory period, the APR is determined by adding a margin of 2.75% to the Secured Overnight Financing Rate (SOFR) with a floor of 2.75% APR. The APR is subject to change after consummation and may change semi-annually after the first 10 years. Conforming loans are up to $647,200. Rates can be locked for 60 days.

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