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Loan Assumptions

Conventional 30 Year Fixed
Disclosed rate assumes a $300,000 rate and term refinance loan with 0 points and a $995 underwriting fee on an owner-occupied single family residence in Texas minimum 720 FICO credit score, 80% loan to value with no subordinate debt. If these factors are not met, you may still qualify. Subject to underwriting approval. Not all applicants will qualify.

Conventional 15 Year Fixed
Disclosed rate assumes a $300,000 rate and term refinance loan with 0 Points and a $995 underwriting fee on an owner-occupied single family residence in Texas, minimum 720 FICO credit score, 80% loan to value. If these factors are not met, you may still qualify. Subject to underwriting approval. Not all applicants will qualify.

FHA 30 Year Fixed
Disclosed rate assumes a $300,000 rate and term refinance loan with 1.750 percent borrower paid up-front mortgage insurance premium and .850 percent monthly mortgage insurance premium on an owner-occupied single family residence in Texas, minimum 640 FICO credit score, 96.50% loan to value. Impounds for taxes and insurance required. If these factors are not met, you may still qualify for a loan. Subject to underwriting approval. Not all applicants will qualify.

VA 30 Year Fixed
Disclosed rate assumes a $300,000 purchase loan with a 3.300 percent VA Funding Fee, 0 Points and a $995 underwriting fee, on an owner-occupied single family residence, minimum 680 FICO credit score, 100% loan to value.  Impounds for taxes and insurance required. If these factors are not met, you may still qualify for a loan. Subject to underwriting approval. Not all applicants will qualify.

Rates, loan products & fees subject to change without notice. Your rate and term may vary. If you do not lock in a rate when you apply, your rate at closing may differ from the rate in effect when you applied. Subject to underwriting approval. Not all applicants will be approved. Full documentation & property insurance required. Loan secured by a lien against your property. Consolidating or refinancing debts may increase the time and/or the finance charges/total loan amount needed to repay your debt. Terms, conditions & restrictions apply. Call for details.

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