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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 4.125% 4.000% 3.875%
Points -0.125 0.125 0.875
APR 4.168% 4.053% 3.990%
Term in Years20 year
Rate 4.125% 4.000% 3.875%
Points -0.500 0.000 0.625
APR 4.184% 4.059% 4.006%
Term in Years15 year
Rate 3.875% 3.750% 3.625%
Points -0.500 0.000 0.625
APR 3.950% 3.825% 3.792%
Term in Years10 year
Rate 3.750% 3.625% 3.500%
Points -0.500 0.000 0.625
APR 3.858% 3.733% 3.741%

Fixed Rate Jumbo Mortgage - Full Closing Cost Program

Term in Years
Rate
Points
APR
Term in Years30 Year
Rate 3.875% 3.750% 3.625%
Points -0.125 0.125 0.875
APR 3.883% 3.768% 3.704%
Term in Years20 year
Rate 3.875% 3.750% 3.625%
Points -0.500 0.000 0.625
APR 3.886% 3.761% 3.707%
Term in Years15 year
Rate 3.625% 3.500% 3.375%
Points -0.500 0.000 0.625
APR 3.639% 3.513% 3.480%
Term in Years10 year
Rate 3.500% 3.375% 3.250%
Points -0.500 0.000 0.625
APR 3.513% 3.388% 3.354%

Investment Property Fixed Rate Mortgage

Term in Years
Rate
Points
APR
Term in Years15 year
Rate 5.625%
Points 0.000
APR 5.704%

Investment Property Balloon Mortgage

Term in Years
Rate
Points
APR
Term in Years10 year fixed rate / 30 year amortization
Rate 4.375%
Points 0.250
APR 4.440%
Term in Years15 year fixed rate / 30 year amortization
Rate 4.625%
Points 0.000
APR 4.669%

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 4.000%
Points 0.125
APR 4.053%
Term in Years20 year
Rate 4.000%
Points 0.000
APR 4.059%
Term in Years15 year
Rate 3.750%
Points 0.000
APR 3.825%

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 4.000%
Points 0.125
APR 4.053%
Term in Years20 year
Rate 4.000%
Points 0.000
APR 4.059%
Term in Years15 year
Rate 3.750%
Points 0.000
APR 3.825%

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 3.875%
Points 0.125
APR 4.877%

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