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Refinance

30-Year Fixed-Rate - Refinance
Effective Date: August 15, 2018
RateAPRPointsPayment
4.625% 4.82% 1.000 $771.21
4.750% 4.89% 0.375 $782.47
4.875% 4.98% -0.125 $793.81

15-Year Fixed-Rate - Refinance
Effective Date: August 15, 2018
RateAPRPointsPayment
4.250% 4.52% 0.625 -$1,128.42
4.375% 4.59% 0.250 $1,137.93
4.500% 4.68% -0.125 $1,147.49

FHA - 30-Year Fixed-Rate (Other Terms Available)
Effective Date: August 15, 2018
RateAPRPointsPayment
4.250% 5.44% 0.875 $812.91
4.375% 5.52% 0.375 $823.93
4.500% 5.61% -0.125 $835.03

VA Home Loan - 30- Year Fixed-Rate (Other Terms Available)
Effective Date: August 15, 2018
RateAPRPointsPayment
4.375% 4.79% 0.875 $748.93
4.500% 4.87% 0.375 $760.03
4.625% 4.96% -0.125 $771.21

Maximum Cash-Out Refinance - 30-Year Fixed Rate (Other Terms Available)
Effective Date: August 15, 2018
RateAPRPointsPayment
5.000% 5.16% 0.500 $805.23

Right Choice Home Loan - 30-Year Fixed-Rate (Other Terms Available)
Effective Date: August 15, 2018
RateAPRPointsPayment
5.000% 5.16% 0.500 $805.23

Hobby Farm - 30-Year Fixed-Rate (Other Terms Available)
Effective Date: August 15, 2018
RateAPRPointsPayment
5.000% 5.16% 0.500 $805.23

PMI Saver - 30-Year Fixed-Rate (Other Terms Available)
Effective Date: August 15, 2018
RateAPRPointsPayment
5.125% 5.28% 0.375 $816.73

Home Renovation - 30-Year Fixed-Rate (Other Terms Available)
Effective Date: August 15, 2018
RateAPRPointsPayment
5.000% 5.16% 0.500 $805.23

Non-Warrantable Condo - 30-Year Fixed-Rate (Other Terms Available)
Effective Date: August 15, 2018
RateAPRPointsPayment
5.000% 5.16% 0.500 $805.23

Golden Jumbo - 30-Year Fixed-Rate (Other Terms Available)
Effective Date: August 15, 2018
RateAPRPointsPayment
4.875% 4.94% 0.125 $2,646.04

Golden Jumbo - 30-Year Fixed-Rate (Over $500,000)
Effective Date: August 15, 2018
RateAPRPointsPayment
5.000% 5.06% 0.375 $2,684.11

The information provided assumes the purpose of the loan is to refinance an existing single family detached home and will be used as a primary residence. The loan amount is $150,000 and the appraised value is $200,000. For Golden Jumbos, the loan amount is $500,000 and the appraised value is $625,000. The property is located in Oakland County, Michigan. There is an escrow account for property taxes and homeowners insurance. The rate lock period is 45 days and the assumed credit score is 740 or higher.

The monthly payment amount shown includes only principal and interest. The escrow for property taxes, homeowners insurance, flood and/or mortgage insurance if applicable are not included in the monthly payment amount. Your actual monthly payment will be higher with escrow account included.

The interest rates, APRs and points shown may change throughout the day due to varying market conditions. Rates effective as of August 15, 2018. Rates are subject to change. To get more accurate and personalized results, please call 800-450-5057 to talk with a loan expert.

Purchase

30-Year Fixed-Rate - Purchase
Effective Date: August 15, 2018
RateAPRPointsPayment
4.500% 4.72% 1.250 $760.03
4.625% 4.78% 0.500 $771.21
4.750% 4.86% -0.125 $782.47

15-Year Fixed-Rate - Purchase
Effective Date: August 15, 2018
RateAPRPointsPayment
4.125% 4.34% 0.250 $1,118.95
4.250% 4.45% 0.125 $1,128.42
4.375% 4.56% -0.250 $1,137.93

FHA - 30-Year Fixed-Rate (Other Terms Available)
Effective Date: August 15, 2018
RateAPRPointsPayment
4.250% 5.44% 0.875 $812.91
4.375% 5.52% 0.375 $823.93
4.500% 5.61% -0.125 $835.03

VA Home Loan - 30-Year Fixed-Rate (Other Terms Available)
Effective Date: August 15, 2018
RateAPRPointsPayment
4.375% 4.79% 0.875 $748.93
4.500% 4.87% 0.375 $760.03
4.625% 4.96% -0.125 $771.21

USDA Rural Development Loan - 30-Year Fixed-Rate
Effective Date: August 15, 2018
RateAPRPointsPayment
4.875% 5.24% 0.5 $534.21
5.000% 5.33% 0.125 $541.82
5.125% 5.45% -0.5 $549.49

One-Time Close Construction - 30-Year Fixed-Rate (Other Terms Available)
Effective Date: August 15, 2018
RateAPRPointsPayment
5.000% 5.16% 0.500 $805.23

Right Choice Home Loan - 30-Year Fixed-Rate (Other Terms Available)
Effective Date: August 15, 2018
RateAPRPointsPayment
5.000% 5.16% 0.500 $805.23

Hobby Farm - 30-Year Fixed-Rate (Other Terms Available)
Effective Date: August 15, 2018
RateAPRPointsPayment
5.000% 5.16% 0.500 $805.23

PMI Saver - 30-Year Fixed-Rate (Other Terms Available)
Effective Date: August 15, 2018
RateAPRPointsPayment
5.125% 5.28% 0.375 $816.73

Home Renovation - 30-Year Fixed-Rate (Other Terms Available)
Effective Date: August 15, 2018
RateAPRPointsPayment
5.000% 5.16% 0.500 $805.23

Zero Down Payment - 30-Year Fixed-Rate (Other Terms Available)
Effective Date: August 15, 2018
RateAPRPointsPayment
5.000% 5.16% 0.500 $805.23

Non-Warrantable Condo - 30-Year Fixed-Rate (Other Terms Available)
Effective Date: August 15, 2018
RateAPRPointsPayment
5.000% 5.16% 0.500 $805.23

Golden Jumbo - 30-Year Fixed-Rate (Other Terms Available)
Effective Date: August 15, 2018
RateAPRPointsPayment
4.875% 4.94% 0.125 $2,646.04

Golden Jumbo - 30-Year Fixed-Rate (Over $500,000)
Effective Date: August 15, 2018
RateAPRPointsPayment
5.000% 4.96% 0.375 $2,684.11

Doctor Loan - 30-Year Fixed-Rate (Other Terms Available)
Effective Date: August 15, 2018
RateAPRPointsPayment
5.000% 5.11% 0.375 $805.23

Best Score Family Helper - 30-Year Fixed Rate (Other Terms Available)
Effective Date: August 15, 2018
RateAPRPointsPayment
5.125% 5.28% 0.375 $816.73

The information provided assumes the purpose of the loan is to purchase an existing single family detached home and will be used as a primary residence. The loan amount is $150,000 and the purchase price is $200,000. For Golden Jumbos, the loan amount is $500,000 and the appraised value is $625,000. For USDA Loans, the loan amount is $100,000 and the appraised value is $102,827. The property is located in Oakland County, Michigan. There is an escrow account for property taxes and homeowners insurance. The rate lock period is 45 days and the assumed credit score is 740 or higher.

The monthly payment amount shown includes only principal and interest. The escrow for property taxes, homeowners insurance, flood and/or mortgage insurance if applicable are not included in the monthly payment amount. Your actual monthly payment will be higher with escrow account included.

The interest rates, APRs and points shown may change throughout the day due to varying market conditions. Rates effective as of August 15, 2018. Rates are subject to change. To get more accurate and personalized results, please call 800-450-5057 to talk with a loan expert.

 

Home Equity

5-Year Home Equity Loan
Effective Date: August 15, 2018
RateAPRPointsPayment
4.625% 5.23% 0.000 $748.00

10-Year Home Equity Loan
Effective Date: August 15, 2018
RateAPRPointsPayment
6.000% 6.35% 0.000 $444.08

15-Year Home Equity Loan
Effective Date: August 15, 2018
RateAPRPointsPayment
6.375% 6.63% 0.000 $345.70

Please note that the interest rates and fees shown here are based on a $40,000 loan amount with an LTV <= 75% (detached and warrantable attached condo) for a primary residence in the city of Southfield, Michigan. These rates are only available for loans that are subordinate to a 1st mortgage. The actual interest rates and fees available will be based on actual credit history and may be different than the rates and fees displayed here. The interest rates, APRs, and points are based upon the time of creation for this rate sheet and vary depending on the specific credit terms and property analysis.

The interest rates, APRs and points shown may change throughout the day due to varying market conditions. Rates effective as of August 15, 2018. Rates are subject to change. To get more accurate and personalized results, please call 800-450-5057 to talk with a loan expert.

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