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Today's purchase rates are based on the purchase of a single-family, primary residence, in TX. This rate assumes a credit score of 740, includes 0.750 in discount points, which is an upfront $1,500.00 included in closing costs below, and assumes the loan will have an escrow account. Contact a home mortgage consultant to learn more.
Conforming Loan
| 30-Year Fixed Rate | |
|---|---|
| Interest Rate | 5.750% |
| APR | 5.927% |
| Loan Amount | $200,000 |
| Down Payment | 25.0% |
| Term | 30 yrs |
|
Monthly Principal & Interest Payment (Excludes taxes and hazard insurance; total payment will be higher) |
$1,167.00 |
| Closing Costs (includes the cost for required discount points) | $7,516 |
| Upfront Mortgage Insurance Premium | $0.00 |
Rates, terms, and fees as of 9/09/2024 10:15 AM Eastern Daylight Time and subject to change without notice.
The following table illustrates the minimum and maximum payments over the life of this loan example.
Projected Payments
| Payment Calculation | Years 1-30 |
|---|---|
| Principal & Interest | $1,167.15 |
| Mortgage Insurance | + 0 |
| Estimated Total Monthly Payment (Excludes taxes and hazard insurance; total payment will be higher) |
$1,167.15 |
Important disclosures, assumptions and APR Information
General Disclosures
- If the down payment is less than 20%, mortgage insurance may be required and could increase the monthly payment and APR. The payment amount does not include homeowners insurance, flood insurance (if applicable), or property taxes that must be paid in addition to your loan payment.
- The displayed Annual Percentage Rate (APR) is a measure of the cost to borrow money expressed as a yearly percentage. For mortgage loans, excluding home equity lines of credit, it includes the interest rate plus other charges or fees (such as mortgage insurance, discount points, and origination charges). For home equity lines, the APR simply reflects the interest rate. When shopping for a mortgage, you can use the APR to compare the costs of similar loans between lenders.
- We based the mortgage interest rates shown on a 30-day rate lock period. Under certain circumstances, a 30-day rate lock may not be available. Learn more about your rate lock options and costs.
- These mortgage rates are based upon a variety of assumptions and conditions, which include a consumer credit score that may be higher or lower than your individual credit score. Your loan's interest rate will depend upon the specific characteristics of your loan transaction and your credit history up to the time of closing.
- The estimated total closing costs above do not constitute and are not a substitute for a loan estimate, which includes an estimate of closing costs you will receive once you apply for a loan. The amounts provided above for Estimated Total Closing Costs, are estimations based on the state selected. This is NOT a mortgage loan approval or commitment to lend. The actual fees, costs, and monthly payment on your specific loan transaction may vary, and may include city, county, or other additional fees and costs.
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