Rate displayed are subject to change and assumes that you are buying or refinancing an owner-occupied single family home, all borrowers have credit scores of __ or higher, debt-to-income ratios of __% or lower, asset and reserve requirements are met, and your property has a loan-to-value of % or less. The Annual Percentage Rate (APR) is based on a loan amount of $__ and may include up to  points. (Points include any origination, discount and lender fees.) On adjustable-rate loans, interest rates are subject to potential increases over the life of the loan, once the initial fixed-rate period expires. Please contact one of our [Loan Agents] at 1-888-264-4663 for a customized rate and payment quote.