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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 3.875% 3.750% 3.625%
Points -0.500 0.125 1.000
APR 3.917% 3.802% 3.749%
Term in Years20 year
Rate 3.750% 3.625% 3.500%
Points -0.500 0.125 0.875
APR 3.808% 3.697% 3.658%
Term in Years15 year
Rate 3.500% 3.250% 3.125%
Points -0.125 0.125 0.750
APR 3.574% 3.342% 3.308%
Term in Years10 year
Rate 3.375% 3.125% 3.000%
Points -0.125 0.125 0.750
APR 3.483% 3.259% 3.266%

Fixed Rate Jumbo Mortgage - Full Closing Cost Program

Term in Years
Rate
Points
APR
Term in Years30 Year
Rate 3.625% 3.500% 3.375%
Points -0.500 0.125 1.000
APR 3.633% 3.518% 3.463%
Term in Years20 year
Rate 3.500% 3.375% 3.250%
Points -0.500 0.125 0.875
APR 3.510% 3.399% 3.359%
Term in Years15 year
Rate 3.250% 3.000% 2.875%
Points -0.125 0.125 0.750
APR 3.263% 3.031% 2.996%
Term in Years10 year
Rate 3.125% 2.875% 2.750%
Points -0.125 0.125 0.750
APR 3.138% 2.906% 2.871%

Investment Property Fixed Rate Mortgage

Term in Years
Rate
Points
APR
Term in Years15 year
Rate 4.000%
Points 0.125
APR 4.094%

Investment Property Balloon Mortgage

Term in Years
Rate
Points
APR
Term in Years10 year fixed rate / 30 year amortization
Rate 4.125%
Points 0.000
APR 4.168%
Term in Years15 year fixed rate / 30 year amortization
Rate 4.250%
Points 0.500
APR 4.335%

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 3.750%
Points 0.125
APR 3.802%
Term in Years20 year
Rate 3.625%
Points 0.125
APR 3.697%
Term in Years15 year
Rate 3.250%
Points 0.125
APR 3.342%

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 3.750%
Points 0.125
APR 3.802%
Term in Years20 year
Rate 3.625%
Points 0.125
APR 3.697%
Term in Years15 year
Rate 3.250%
Points 0.125
APR 3.342%

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 -0.375
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