Interest Rates are subject to change and based on the assumption that you are buying or refinancing an owner-occupied, single-family home with a loan-to-value of 80% or less. The Annual Percentage Rate (APR) is based on the loan amount and may include origination charges and / or bona fide discount points. The APR and interest rates for an adjustable rate mortgage (ARM) are subject to potential increases over the life of the loan, once the initial fixed-rate period expires. The APR does not include taxes and insurance premiums. Some state and county maximum loan amount restrictions may apply. For more information, please contact your Licensed Mortgage Loan Originator at (855) 549 – 7001.