Advertising Rate Disclosures
Disclosure Assumptions - Current as of August 30, 2021 .
- 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 1.99% (2.155% APR)
- The advertised loan is a 15-year fixed-rate full amortizing loan, assuming a $300,000 loan amount and a 1.99 interest rate.
- This loan has 180 monthly principal and interest payments of $1,930. The disclosure APR is based on 0.692 discount points and $2,511 in additional prepaid finance charges due at closing.
- The Annual Percentage Rate (APR) is 2.155
30-year Fixed-Rate as low as 2.75% (2.84% APR)
- The advertised loan is a 30-year fixed-rate full amortizing loan, assuming a $300,000 loan amount and a 2.75 interest rate.
- This loan has 360 monthly principal and interest payments of $1,225. The disclosed APR is based on 1.129 discount points and $2,826 in additional prepaid finance charges due at closing.
- The Annual Percentage Rate (APR) is 2.84
15-year Fixed-Rate VA Loan as low as 1.875% (2.392% APR)
- The advertised loan is a 15-year fixed-rate full amortizing loan, assuming a $300,000 loan amount and a 1.875% interest rate.
- This loan has 180 monthly principal and interest payments of $1,956. The disclosure APR is based on 0.934 discount points and $3,141 in additional prepaid finance charges due at closing.
- The Annual Percentage Rate (APR) is 2.392%
30-year Fixed-Rate VA Loan as low as 2.25% (2.459% APR)
- The advertised loan is a 30-year fixed-rate full amortizing loan, assuming a $300,000 loan amount and a 2.25% interest rate.
- This loan has 360 monthly principal and interest payments of $1,173. The disclosed APR is based on 0.217 discount points and $667 in additional prepaid finance charges due at closing.
- The Annual Percentage Rate (APR) is 2.459%
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Hee Chul Lee in Sterling Heights, MI
On January 06, 2026Tony is the friendliest person I’ve had the pleasure of working with. Refinancing is not easy—there’s a lot of paperwork and the process itself can feel overwhelming—but Tony made everything incredibly smooth. He stayed in touch at all times and gave us timely heads-ups whenever something was needed to keep things moving forward. Because Tony prepared my wife and me for what to expect and what was coming next, we always had everything ready. The entire process took just a couple of weeks, from our very first phone conversation with Tony to closing on the refinance. It was truly a breeze. I would definitely recommend Tony to anyone looking to refinance. He is absolutely the best of the best. Thank you, Tony!
Rebecca J. Sobolevsky in Idaho Springs, CO
On December 08, 2025Todd was very helpful and communicative and worked overtime to get things done! Thank you !!
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On December 02, 2025Todd's closed a handful of mortgages for me. His expertise is indispensable and I always know where I stand from pre-qual until closing.
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On December 02, 2025Knows what he's doing and explains what he's doing to put you at ease.
Desiree E Garland in Fairfax, VA
On December 01, 2025Luis was very responsive and extremely helpful through out the entire process. His honesty and transparency made my goals a reality. Basically, Mr. Godmere helped make a horrible situation a life changing one for the better! Very greatful!
Doyle G Nelson in Raeford, NC
On November 26, 2025Luis was so pleasant to work with! He was always so polite & professional. I feel that Luis became a friend . I regret our meetings weren't face to face! I doubt that we will ever work together again but would be delighted to do so !!!
Taylor Huffman in Mentor, OH
On September 04, 2025Mike and his team worked effortlessly to get us closed and ready to go while dealing with a difficult situation with our buyer on our current home
Kelsey C Von Wormer in Detroit, MI
On August 22, 2025Tony combines exceptional competence with a genuine passion for lending, qualities that distinguish him within the real estate field. Moreover, he embodies many additional strengths. He is truly pleasant with whom to work, personable, detail-oriented, and possesses a well timed and notable sense of humor. I would select Tony a million times over, and I fully expect to do so again in the future. One would be both prudent and fortunate to entrust him with any loan needs.
Cailin McDermott in BERWYN, IL
On August 12, 2025Daniel jumped into action on a weekend with zero notice to get us preapproved to put an offer in on our dream house. Only later did we find out that he was doing so from the hospital, where his wife had just given birth to their son! While I can't help but feel bad about blowing his phone up during that time, he knew how time-sensitive it was to complete all of this so that we'd have a chance at buying this home, and did everything he could do to get us there. We are forever grateful.
Vinod R Gaglani in Edison, NJ
On August 04, 2025Everything was transparent and mortgage was done in less than 30 days. No hidden cost and any other surprises. Mike is a great peron to work with and made everything easy to understand so there was no stress.
