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Loan Assumptions

10,15,20 and 30 Year Fixed loan up to $510,400 – First Mortgage
Disclosed rate assumes a $350,000 loan amount, rate and term refinance loan with 0 point and a $0 loan origination fee on an owner-occupied single family residence in California zip code 92612, minimum 760 FICO credit score, under 60% 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.
The Borrower is responsible for paying: prepaid interest, property taxes, state mortgage/transfer taxes, all types of insurance, existing lender payoff fees, survey fees, inspection or appraisal fees, Title insurance, Escrow , recording fees and discount points
Minimum loan amount $200,000.

10, 15, 20, and 30 Year Fixed $510,401 to $765,600 – First Mortgage
Disclosed rate assumes a $512,400 rate and term refinance loan with 0 point and a $0 loan origination fee on an owner-occupied single family residence in California zip code 92612, minimum 740 FICO credit score, under 60% 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.
The Borrower is responsible for paying: prepaid interest, property taxes, state mortgage/transfer taxes, all types of insurance, existing lender payoff fees, survey fees, inspection or appraisal fees, Title insurance, Escrow , recording fees and discount points
Minimum loan amount $200,000

No Tax Return Loan – First Mortgage

Disclosed rate based on a 30 year fixed-rate mortgage of $300,000, with 1 point and a $995 loan origination fee, rate and term refinance loan on an owner-occupied single-family residence in California, with no subordinate debt, and the appraised value of the subject property sets the loan-to-value (LTV) to a maximum of 60%, borrower has a 700 FICO score, debt-to-income ratio of less than 43%, owns no other properties, is a U.S. Citizen and at least one borrower is self-employed. If these factors are not met, you may still qualify for a loan. Subject to underwriting approval including, but not limited to, verification of acceptable income, assets and collateral. Not all applicants will qualify.