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Rate Assumptions

Disclosures: Rates and terms subject to change based on market conditions and borrower eligibility.  The rates shown are based upon a variety of conditions and circumstances. These include a consumer credit score which may vary from your individual credit score. A loan’s interest rate depends upon the specific features of the loan transaction and the borrower’s credit profile up to the time of closing. The advertised rates for conventional products are based on an assumed loan amount of $225,000.00, $300,000.00 purchase transaction of primary residence or appraised value for refinance rate/term, a 780 FICO score with a loan-to-value ratio of 75% maximum (25% Down-Payment) on a primary residence. The annual percentage rate (APR), is the expense paid for credit over the loan term expressed as an annual rate. The Annual Percentage Rate (APR) displayed for the loan products shown here reflects interest rate and approximate cost of prepaid finance charges such as discount points and origination fees based on rate scenarios shown. The cost of prepaid finance charges are approximations which do not constitute and are not a substitute for the Loan Estimate of Closing Costs (LE) that a borrower receives once they apply for a loan. All conventional loans with a down payment of less than 20% require mortgage insurance. Mortgage insurance may increase the monthly payment and Annual Percentage Rate (APR) of the loan.

Please remember that we don’t have all your information. Therefore, the rate and payment results you see may not reflect your actual situation. Florida Home Funding offers a wide variety of loan options. You may still qualify for a loan even if your situation doesn’t match our assumptions. To get more accurate and personalized results, please call (407) 704-8729 to talk to a licensed loan originator.

The annual percentage rate (APR), is the cost of credit over the term of the loan expressed as an annual rate. The displayed Annual Percentage Rate (APR) for the loan products shown reflects the interest rate and approximate cost of prepaid finance charges, including discount points and applicable PMI based on rate scenarios shown.

The approximate cost of prepaid finance charges does not constitute and is not a substitute for the Loan Estimate of Closing Costs (LE) that you will receive once you apply for a loan. 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 additional fees and costs.

Mortgage interest rates shown are based on a 30-day lock for the rate/term refinance or purchase of a primary residence.

30-Year and 15-year Fixed Conventional Mortgages:
The rate is based on loan amount $225,000.00 (75% loan-to-value) purchase transaction of primary residence or rate/term refinance of primary residence with 2 discount points due at closing. 780 credit score and a purchase price of $300,000.00 single family home. 30-day lock period. All loans are subject to borrower meeting Fannie Mae approval guidelines.

FHA 30-Year Fixed Mortgage:
The rate is based on a base loan amount of $265,375.00 (96.5% loan-to-value) purchase transaction of primary residence with 2 discount points due at closing. 740 credit score and a purchase price of $275,000.00 single family home. All FHA loan have PMI for the life of the mortgage which is reflected in the APR. 30-day lock period. All loans are subject to borrower meeting FHA approval guidelines.

VA 30-Year Fixed Mortgage:
The rate is based on loan amount $300,000.00 (100% loan-to-value) purchase transaction of primary residence for qualified VA eligible borrowers with 2 discount points due at closing. 740 credit score and a purchase price of $300,000.00 single family home. 30-day lock period. APR will also vary based on borrower VA funding fee. All loans are subject to borrower meeting VA approval guidelines.

For more information regarding our various loan products including no points or no closing cost options, please contact us at (407) 704-8729

Due to various federal, state and local requirements, certain products may not be available in all areas.

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    Sondi And Associates, Inc. dba Florida Home Funding. NMLS ID: 870878 Location: 390 N Orange Ave #2125, Orlando, FL 32801 | Phone: (407) 704-8729

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