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Mortgages - Fixed Rates

Fixed Rate Mortgage - Full Closing Cost Program

Term in Years
Rate
Points
APR
Term in Years30 Year
Rate 3.500% 3.375% 3.250%
Points -0.750 -0.250 0.250
APR 3.541% 3.416% 3.311%
Term in Years20 year
Rate 3.500% 3.375% 3.250%
Points -1.000 -0.625 0.000
APR 3.558% 3.432% 3.307%
Term in Years15 year
Rate 3.125% 3.000% 2.875%
Points -0.250 0.250 0.750
APR 3.199% 3.110% 3.057%
Term in Years10 year
Rate 3.000% 2.875% 2.750%
Points -0.250 0.250 0.750
APR 3.107% 3.034% 3.014%

Fixed Rate Jumbo Mortgage - Full Closing Cost Program

Term in Years
Rate
Points
APR
Term in Years30 Year
Rate 3.500% 3.375% 3.250%
Points -0.750 -0.250 0.250
APR 3.507% 3.382% 3.277%
Term in Years20 year
Rate 3.500% 3.375% 3.250%
Points -1.000 -0.625 0.000
APR 3.510% 3.385% 3.260%
Term in Years15 year
Rate 3.125% 3.000% 2.875%
Points -0.250 0.250 0.750
APR 3.138% 3.049% 2.996%
Term in Years10 year
Rate 3.000% 2.875% 2.750%
Points -0.250 0.250 0.750
APR 3.013% 2.924% 2.871%

Investment Property Fixed Rate Mortgage

Term in Years
Rate
Points
APR
Term in Years15 year
Rate 3.875%
Points 0.000
APR 3.950%

Investment Property Balloon Mortgage

Term in Years
Rate
Points
APR
Term in Years10 year fixed rate / 30 year amortization
Rate 3.750%
Points 0.000
APR 3.792%
Term in Years15 year fixed rate / 30 year amortization
Rate 3.875%
Points 0.125
APR 3.927%

Rates accurate as of Rates are subject to change without notice.

Annual Percentage Rates (APRs) are subject to credit evaluation. Actual rates may vary.

All rates quoted are based on a single family residence for properties located within Genesee, Livingston, Monroe, Ontario, Orleans, Seneca, Steuben, Wayne, Wyoming, and Yates Counties in the state of New York that have a 60% loan to value (LTV) and at least a 740 credit score with a 45-day rate lock period. There are other credit based interest rates available for loan to values exceeding 60%. Material changes in loan terms brought about by credit qualifications, collateral value, or other factors may void a rate lock.

Conventional and Investment Loans: Balance less than or equal to $484,350 for single family, owner occupied, and non-owner occupied; Balance less than or equal to $620,200 for two-family, owner occupied, and non-owner occupied.

Jumbo Loans: Balance over $484,350 for single family, owner occupied; balance over $620,200 for two-family, owner occupied.

Payment Examples

Home Possible® Mortgage

Term in Years
Rate
Points
APR
Term in Years30 year
Rate 3.375%
Points -0.250
APR 3.416%
Term in Years20 year
Rate 3.375%
Points -0.625
APR 3.432%
Term in Years15 year
Rate 3.000%
Points 0.250
APR 3.110%

Rates accurate as of Rates are subject to change without notice.

Annual Percentage Rates (APRs) are subject to credit evaluation. Actual rates may vary.

All rates quoted are based on a single family, primary residence for properties located in Genesee, Livingston, Monroe, Ontario, Orleans, Seneca, Steuben, Wayne, Wyoming, and Yates Counties in the state of New York that have a 60% loan to value (LTV) and at least a 740 credit score with a 45-day rate lock period. There are other credit based interest rates available for loan to values exceeding 60%. Material changes in loan terms brought about by credit qualifications, collateral value, or other factors may void a rate lock.

Conventional Loans: Balance less than or equal to $484,350 for single family, owner occupied; Balance less than or equal to $620,200 for two-family, owner occupied.

Jumbo Loans: Balance over $484,350 for single family, owner occupied.

Payment Examples

HomeOne℠ Mortgage

Term in Years
Rate
Points
APR
Term in Years30 year
Rate 3.375%
Points -0.250
APR 3.416%
Term in Years20 year
Rate 3.375%
Points -0.625
APR 3.432%
Term in Years15 year
Rate 3.000%
Points 0.250
APR 3.110%

Rates accurate as of Rates are subject to change without notice.

Annual Percentage Rates (APRs) are subject to credit evaluation. Actual rates may vary.

All rates quoted are based on a single family, primary residence for properties located in Genesee, Livingston, Monroe, Ontario, Orleans, Seneca, Steuben, Wayne, Wyoming, and Yates Counties in the state of New York that have a 60% loan to value (LTV) and at least a 740 credit score with a 45-day rate lock period. There are other credit-based interest rates available for loan to values exceeding 60%. Material changes in loan terms brought about by credit qualifications, collateral value, or other factors may void a rate lock.

Conventional Loans: Balance less than or equal to $484,350 for single family, owner occupied.

Payment Examples

FHA Mortgage

Term in Years
Rate
Points
APR
Term in Years30 year
Rate 3.500%
Points -1.500
APR 4.491%

Rates accurate as of Rates are subject to change without notice.

Annual Percentage Rates (APRs) are subject to credit evaluation. Actual rates may vary.

All rates quoted are based on a single family, primary residence for properties located in Genesee, Livingston, Monroe, Ontario, Orleans, Seneca, Steuben, Wayne, Wyoming, and Yates Counties in the state of New York that have a 96.5% loan to value (LTV) and at least a 680 credit score with a 60-day rate lock period. There are other credit based interest rates available. Material changes in loan terms brought about by credit qualifications, collateral value, or other factors may void a rate lock.

FHA Loans: Current FHA loan limits for one family, owner occupied property in counties we serve is $314,827. Higher limits are available for multiple family dwellings.

Payment Examples