Any interest rates, monthly payments, down payment figures and repayment terms shown are hypothetical examples for illustration only. They are not an offer to lend, not a rate quote, and not a commitment. No rate shown is locked or available on request.
The annual percentage rate (APR) will be higher than the note rate because it reflects financing costs in addition to interest. Both the rate and the APR you are offered depend on your credit score, loan amount, down payment, occupancy, property type, loan term and current market pricing, and will differ from any example here.
Payment examples typically show principal, interest, taxes and insurance only. Your actual payment may be higher once mortgage insurance, HOA dues, flood insurance or other charges are included where they apply.
Repayment terms shown are commonly 30-year fixed unless stated otherwise. All financing is subject to credit approval, income and asset verification, and a satisfactory appraisal. Programs, rates and terms are subject to change without notice and not all products are available to all borrowers.
Ryan Van Til, NMLS #2732776 | Pacific Trust Mortgage, NMLS #2573894 | Licensed by the California Department of Real Estate | Equal Housing Opportunity. Your binding terms are those disclosed on your Loan Estimate and Closing Disclosure.