This is not a commitment to lend. Interest rates are valid as of, . There are many factors that can effect your actual rate. Any quotes show do not include property taxes, mortgage insurance, or Hazard homeowners Insurance expenses, if / where required. We use automated valuation models (AVM) to establish Home value for loan to value (LTV). An Actual appraised value may be different which may change the availability of a shown interest rate. The Rate that is shown is based on the assumption of a refinance of an owner-occupied single family home. Any rate shown assumes a loan amount of at least $200,000 and may include as much as 2 points (1 point equals 1% of the loan) with all borrowers having a credit score of at least 740, a debt-to-income ratio lower or equal to 43%, and a property loan-to-value of 60% or less and meeting all asset and reserve requirements. The actual APR of a loan you receive may be higher if Mortgage Insurance is required or if an affiliated service provider is used. An interest rate may become adjustable after five years based on the following formula: Rate = Index + Margin. Caps may be 5/2/5 and may be subject to change. Index is based on the one year Libor. There is no guarantee that all borrowers will qualify and approval is subject to verification of credit, income, assets, and value, among other criteria.