List & Lock

Conventional

Rates based on seller concession

Standard rate with as little as 3% down.

Pricing at 3% seller concession: $16,350.00

To view repayment scenarios, click the numbers on the chart.

FICO

	620	640	660	680	700	720	740	760	780
3%	5.875 % Repayment × Rates provided for primary residency occupancy on 12/04/2025 Home Price $545,000 Down Payment 3% Term 30 Years Rate 5.875% (APR 6.316%) Monthly Payment $3,127.16 Does not include mortgage insurance/taxes/homeowners insurance	5.875 % Repayment × Rates provided for primary residency occupancy on 12/04/2025 Home Price $545,000 Down Payment 3% Term 30 Years Rate 5.875% (APR 6.316%) Monthly Payment $3,127.16 Does not include mortgage insurance/taxes/homeowners insurance	5.750 % Repayment × Rates provided for primary residency occupancy on 12/04/2025 Home Price $545,000 Down Payment 3% Term 30 Years Rate 5.75% (APR 6.188%) Monthly Payment $3,085.06 Does not include mortgage insurance/taxes/homeowners insurance	5.625 % Repayment × Rates provided for primary residency occupancy on 12/04/2025 Home Price $545,000 Down Payment 3% Term 30 Years Rate 5.625% (APR 6.059%) Monthly Payment $3,043.21 Does not include mortgage insurance/taxes/homeowners insurance	5.625 % Repayment × Rates provided for primary residency occupancy on 12/04/2025 Home Price $545,000 Down Payment 3% Term 30 Years Rate 5.625% (APR 6.059%) Monthly Payment $3,043.21 Does not include mortgage insurance/taxes/homeowners insurance	5.625 % Repayment × Rates provided for primary residency occupancy on 12/04/2025 Home Price $545,000 Down Payment 3% Term 30 Years Rate 5.625% (APR 6.059%) Monthly Payment $3,043.21 Does not include mortgage insurance/taxes/homeowners insurance	5.490 % Repayment × Rates provided for primary residency occupancy on 12/04/2025 Home Price $545,000 Down Payment 3% Term 30 Years Rate 5.49% (APR 5.921%) Monthly Payment $2,998.30 Does not include mortgage insurance/taxes/homeowners insurance	5.490 % Repayment × Rates provided for primary residency occupancy on 12/04/2025 Home Price $545,000 Down Payment 3% Term 30 Years Rate 5.49% (APR 5.921%) Monthly Payment $2,998.30 Does not include mortgage insurance/taxes/homeowners insurance	5.490 % Repayment × Rates provided for primary residency occupancy on 12/04/2025 Home Price $545,000 Down Payment 3% Term 30 Years Rate 5.49% (APR 5.921%) Monthly Payment $2,998.30 Does not include mortgage insurance/taxes/homeowners insurance
10%	6.000 % Repayment × Rates provided for primary residency occupancy on 12/04/2025 Home Price $545,000 Down Payment 10% Term 30 Years Rate 6% (APR 6.469%) Monthly Payment $2,940.80 Does not include mortgage insurance/taxes/homeowners insurance	5.875 % Repayment × Rates provided for primary residency occupancy on 12/04/2025 Home Price $545,000 Down Payment 10% Term 30 Years Rate 5.875% (APR 6.34%) Monthly Payment $2,901.49 Does not include mortgage insurance/taxes/homeowners insurance	5.875 % Repayment × Rates provided for primary residency occupancy on 12/04/2025 Home Price $545,000 Down Payment 10% Term 30 Years Rate 5.875% (APR 6.34%) Monthly Payment $2,901.49 Does not include mortgage insurance/taxes/homeowners insurance	5.750 % Repayment × Rates provided for primary residency occupancy on 12/04/2025 Home Price $545,000 Down Payment 10% Term 30 Years Rate 5.75% (APR 6.211%) Monthly Payment $2,862.42 Does not include mortgage insurance/taxes/homeowners insurance	5.625 % Repayment × Rates provided for primary residency occupancy on 12/04/2025 Home Price $545,000 Down Payment 10% Term 30 Years Rate 5.625% (APR 6.083%) Monthly Payment $2,823.59 Does not include mortgage insurance/taxes/homeowners insurance	5.625 % Repayment × Rates provided for primary residency occupancy on 12/04/2025 Home Price $545,000 Down Payment 10% Term 30 Years Rate 5.625% (APR 6.083%) Monthly Payment $2,823.59 Does not include mortgage insurance/taxes/homeowners insurance	5.490 % Repayment × Rates provided for primary residency occupancy on 12/04/2025 Home Price $545,000 Down Payment 10% Term 30 Years Rate 5.49% (APR 5.944%) Monthly Payment $2,781.93 Does not include mortgage insurance/taxes/homeowners insurance	5.490 % Repayment × Rates provided for primary residency occupancy on 12/04/2025 Home Price $545,000 Down Payment 10% Term 30 Years Rate 5.49% (APR 5.944%) Monthly Payment $2,781.93 Does not include mortgage insurance/taxes/homeowners insurance	5.375 % Repayment × Rates provided for primary residency occupancy on 12/04/2025 Home Price $545,000 Down Payment 10% Term 30 Years Rate 5.375% (APR 5.826%) Monthly Payment $2,746.66 Does not include mortgage insurance/taxes/homeowners insurance
20%	5.990 % Repayment × Rates provided for primary residency occupancy on 12/04/2025 Home Price $545,000 Down Payment 20% Term 30 Years Rate 5.99% (APR 6.5%) Monthly Payment $2,611.24 Does not include mortgage insurance/taxes/homeowners insurance	5.875 % Repayment × Rates provided for primary residency occupancy on 12/04/2025 Home Price $545,000 Down Payment 20% Term 30 Years Rate 5.875% (APR 6.382%) Monthly Payment $2,579.10 Does not include mortgage insurance/taxes/homeowners insurance	5.750 % Repayment × Rates provided for primary residency occupancy on 12/04/2025 Home Price $545,000 Down Payment 20% Term 30 Years Rate 5.75% (APR 6.253%) Monthly Payment $2,544.38 Does not include mortgage insurance/taxes/homeowners insurance	5.625 % Repayment × Rates provided for primary residency occupancy on 12/04/2025 Home Price $545,000 Down Payment 20% Term 30 Years Rate 5.625% (APR 6.124%) Monthly Payment $2,509.86 Does not include mortgage insurance/taxes/homeowners insurance	5.625 % Repayment × Rates provided for primary residency occupancy on 12/04/2025 Home Price $545,000 Down Payment 20% Term 30 Years Rate 5.625% (APR 6.124%) Monthly Payment $2,509.86 Does not include mortgage insurance/taxes/homeowners insurance	5.490 % Repayment × Rates provided for primary residency occupancy on 12/04/2025 Home Price $545,000 Down Payment 20% Term 30 Years Rate 5.49% (APR 5.985%) Monthly Payment $2,472.83 Does not include mortgage insurance/taxes/homeowners insurance	5.490 % Repayment × Rates provided for primary residency occupancy on 12/04/2025 Home Price $545,000 Down Payment 20% Term 30 Years Rate 5.49% (APR 5.985%) Monthly Payment $2,472.83 Does not include mortgage insurance/taxes/homeowners insurance	5.375 % Repayment × Rates provided for primary residency occupancy on 12/04/2025 Home Price $545,000 Down Payment 20% Term 30 Years Rate 5.375% (APR 5.867%) Monthly Payment $2,441.47 Does not include mortgage insurance/taxes/homeowners insurance	5.375 % Repayment × Rates provided for primary residency occupancy on 12/04/2025 Home Price $545,000 Down Payment 20% Term 30 Years Rate 5.375% (APR 5.867%) Monthly Payment $2,441.47 Does not include mortgage insurance/taxes/homeowners insurance
25%	5.750 % Repayment × Rates provided for primary residency occupancy on 12/04/2025 Home Price $545,000 Down Payment 25% Term 30 Years Rate 5.75% (APR 6.278%) Monthly Payment $2,385.35 Does not include mortgage insurance/taxes/homeowners insurance	5.490 % Repayment × Rates provided for primary residency occupancy on 12/04/2025 Home Price $545,000 Down Payment 25% Term 30 Years Rate 5.49% (APR 6.01%) Monthly Payment $2,318.27 Does not include mortgage insurance/taxes/homeowners insurance	5.490 % Repayment × Rates provided for primary residency occupancy on 12/04/2025 Home Price $545,000 Down Payment 25% Term 30 Years Rate 5.49% (APR 6.01%) Monthly Payment $2,318.27 Does not include mortgage insurance/taxes/homeowners insurance	5.490 % Repayment × Rates provided for primary residency occupancy on 12/04/2025 Home Price $545,000 Down Payment 25% Term 30 Years Rate 5.49% (APR 6.01%) Monthly Payment $2,318.27 Does not include mortgage insurance/taxes/homeowners insurance	5.375 % Repayment × Rates provided for primary residency occupancy on 12/04/2025 Home Price $545,000 Down Payment 25% Term 30 Years Rate 5.375% (APR 5.891%) Monthly Payment $2,288.88 Does not include mortgage insurance/taxes/homeowners insurance	5.375 % Repayment × Rates provided for primary residency occupancy on 12/04/2025 Home Price $545,000 Down Payment 25% Term 30 Years Rate 5.375% (APR 5.891%) Monthly Payment $2,288.88 Does not include mortgage insurance/taxes/homeowners insurance	5.375 % Repayment × Rates provided for primary residency occupancy on 12/04/2025 Home Price $545,000 Down Payment 25% Term 30 Years Rate 5.375% (APR 5.891%) Monthly Payment $2,288.88 Does not include mortgage insurance/taxes/homeowners insurance	5.250 % Repayment × Rates provided for primary residency occupancy on 12/04/2025 Home Price $545,000 Down Payment 25% Term 30 Years Rate 5.25% (APR 5.762%) Monthly Payment $2,257.13 Does not include mortgage insurance/taxes/homeowners insurance	5.250 % Repayment × Rates provided for primary residency occupancy on 12/04/2025 Home Price $545,000 Down Payment 25% Term 30 Years Rate 5.25% (APR 5.762%) Monthly Payment $2,257.13 Does not include mortgage insurance/taxes/homeowners insurance

DOWN PAYMENT

*Table is a guide to anticipate pricing for primary residences, for conventional loans only, when seller contribution is applied to today’s pricing. Down payment < 10% have a max contribution of 3%.

* Payment example: Rates provided for primary residency occupancy on 12/04/2025. Home price $545,000, down payment 25%, loan amount $408,750, term-30 year, fixed rate 5.25% (APR 5.762%), monthly payment $2,257.13. Monthly payment does not include taxes or insurance. List & Lock rates shown are accurate as of 12/04/2025. Rates can change daily, contact Loan Officer for details. Monthly payment does not include taxes or insurance.

FHA

Rates based on seller concession

Standard rate with as little as 3.5% down.

Pricing at 3% seller concession: $16,350.00

To view repayment scenarios, click the numbers on the chart.

FICO

	580	600	620	640	700	720	740
3.5%	5.750 % Repayment × Rates provided for primary residency occupancy on 12/04/2025 Home Price $545,000 Down Payment 3.5% Term 30 Years Rate 5.75% (APR 6.189%) Monthly Payment $3,069.16 Does not include mortgage insurance/taxes/homeowners insurance	5.500 % Repayment × Rates provided for primary residency occupancy on 12/04/2025 Home Price $545,000 Down Payment 3.5% Term 30 Years Rate 5.5% (APR 5.933%) Monthly Payment $2,986.14 Does not include mortgage insurance/taxes/homeowners insurance	5.125 % Repayment × Rates provided for primary residency occupancy on 12/04/2025 Home Price $545,000 Down Payment 3.5% Term 30 Years Rate 5.125% (APR 5.548%) Monthly Payment $2,863.59 Does not include mortgage insurance/taxes/homeowners insurance	5.125 % Repayment × Rates provided for primary residency occupancy on 12/04/2025 Home Price $545,000 Down Payment 3.5% Term 30 Years Rate 5.125% (APR 5.548%) Monthly Payment $2,863.59 Does not include mortgage insurance/taxes/homeowners insurance	5.000 % Repayment × Rates provided for primary residency occupancy on 12/04/2025 Home Price $545,000 Down Payment 3.5% Term 30 Years Rate 5% (APR 5.42%) Monthly Payment $2,823.28 Does not include mortgage insurance/taxes/homeowners insurance	5.000 % Repayment × Rates provided for primary residency occupancy on 12/04/2025 Home Price $545,000 Down Payment 3.5% Term 30 Years Rate 5% (APR 5.42%) Monthly Payment $2,823.28 Does not include mortgage insurance/taxes/homeowners insurance	5.000 % Repayment × Rates provided for primary residency occupancy on 12/04/2025 Home Price $545,000 Down Payment 3.5% Term 30 Years Rate 5% (APR 5.42%) Monthly Payment $2,823.28 Does not include mortgage insurance/taxes/homeowners insurance
5%	5.750 % Repayment × Rates provided for primary residency occupancy on 12/04/2025 Home Price $545,000 Down Payment 5% Term 30 Years Rate 5.75% (APR 6.194%) Monthly Payment $3,021.45 Does not include mortgage insurance/taxes/homeowners insurance	5.500 % Repayment × Rates provided for primary residency occupancy on 12/04/2025 Home Price $545,000 Down Payment 5% Term 30 Years Rate 5.5% (APR 5.937%) Monthly Payment $2,939.73 Does not include mortgage insurance/taxes/homeowners insurance	5.125 % Repayment × Rates provided for primary residency occupancy on 12/04/2025 Home Price $545,000 Down Payment 5% Term 30 Years Rate 5.125% (APR 5.553%) Monthly Payment $2,819.08 Does not include mortgage insurance/taxes/homeowners insurance	5.125 % Repayment × Rates provided for primary residency occupancy on 12/04/2025 Home Price $545,000 Down Payment 5% Term 30 Years Rate 5.125% (APR 5.553%) Monthly Payment $2,819.08 Does not include mortgage insurance/taxes/homeowners insurance	5.000 % Repayment × Rates provided for primary residency occupancy on 12/04/2025 Home Price $545,000 Down Payment 5% Term 30 Years Rate 5% (APR 5.424%) Monthly Payment $2,779.39 Does not include mortgage insurance/taxes/homeowners insurance	5.000 % Repayment × Rates provided for primary residency occupancy on 12/04/2025 Home Price $545,000 Down Payment 5% Term 30 Years Rate 5% (APR 5.424%) Monthly Payment $2,779.39 Does not include mortgage insurance/taxes/homeowners insurance	5.000 % Repayment × Rates provided for primary residency occupancy on 12/04/2025 Home Price $545,000 Down Payment 5% Term 30 Years Rate 5% (APR 5.424%) Monthly Payment $2,779.39 Does not include mortgage insurance/taxes/homeowners insurance
10%	5.625 % Repayment × Rates provided for primary residency occupancy on 12/04/2025 Home Price $545,000 Down Payment 10% Term 30 Years Rate 5.625% (APR 6.083%) Monthly Payment $2,823.59 Does not include mortgage insurance/taxes/homeowners insurance	5.375 % Repayment × Rates provided for primary residency occupancy on 12/04/2025 Home Price $545,000 Down Payment 10% Term 30 Years Rate 5.375% (APR 5.826%) Monthly Payment $2,746.66 Does not include mortgage insurance/taxes/homeowners insurance	5.125 % Repayment × Rates provided for primary residency occupancy on 12/04/2025 Home Price $545,000 Down Payment 10% Term 30 Years Rate 5.125% (APR 5.569%) Monthly Payment $2,670.71 Does not include mortgage insurance/taxes/homeowners insurance	5.000 % Repayment × Rates provided for primary residency occupancy on 12/04/2025 Home Price $545,000 Down Payment 10% Term 30 Years Rate 5% (APR 5.441%) Monthly Payment $2,633.11 Does not include mortgage insurance/taxes/homeowners insurance	4.990 % Repayment × Rates provided for primary residency occupancy on 12/04/2025 Home Price $545,000 Down Payment 10% Term 30 Years Rate 4.99% (APR 5.431%) Monthly Payment $2,630.11 Does not include mortgage insurance/taxes/homeowners insurance	4.990 % Repayment × Rates provided for primary residency occupancy on 12/04/2025 Home Price $545,000 Down Payment 10% Term 30 Years Rate 4.99% (APR 5.431%) Monthly Payment $2,630.11 Does not include mortgage insurance/taxes/homeowners insurance	4.990 % Repayment × Rates provided for primary residency occupancy on 12/04/2025 Home Price $545,000 Down Payment 10% Term 30 Years Rate 4.99% (APR 5.431%) Monthly Payment $2,630.11 Does not include mortgage insurance/taxes/homeowners insurance

DOWN PAYMENT

*Table is a guide to anticipate pricing for primary residences, for conventional loans only, when seller contribution is applied to today’s pricing. Down payment < 10% have a max contribution of 6%.

* Payment example: Rates provided for primary residency occupancy on 12/04/2025. Home price $545,000, down payment 10%, loan amount $490,500, term-30 year, fixed rate 4.99% (APR 5.431%), monthly payment $2,630.11. Monthly payment does not include taxes or insurance. List & Lock rates shown are accurate as of 12/04/2025. Rates can change daily, contact Loan Officer for details. Monthly payment does not include taxes or insurance.

VA

Rates based on seller concession

Standard rate with as little as 0% down.

Pricing at 3% seller concession: $16,350.00

To view repayment scenarios, click the numbers on the chart.

FICO

	580	600	620	640	700	720	740
0%	5.750 % Repayment × Rates provided for primary residency occupancy on 12/04/2025 Home Price $545,000 Down Payment 0% Term 30 Years Rate 5.75% (APR 6.178%) Monthly Payment $3,180.47 Does not include mortgage insurance/taxes/homeowners insurance	5.500 % Repayment × Rates provided for primary residency occupancy on 12/04/2025 Home Price $545,000 Down Payment 0% Term 30 Years Rate 5.5% (APR 5.922%) Monthly Payment $3,094.45 Does not include mortgage insurance/taxes/homeowners insurance	5.250 % Repayment × Rates provided for primary residency occupancy on 12/04/2025 Home Price $545,000 Down Payment 0% Term 30 Years Rate 5.25% (APR 5.666%) Monthly Payment $3,009.51 Does not include mortgage insurance/taxes/homeowners insurance	5.125 % Repayment × Rates provided for primary residency occupancy on 12/04/2025 Home Price $545,000 Down Payment 0% Term 30 Years Rate 5.125% (APR 5.537%) Monthly Payment $2,967.45 Does not include mortgage insurance/taxes/homeowners insurance	5.125 % Repayment × Rates provided for primary residency occupancy on 12/04/2025 Home Price $545,000 Down Payment 0% Term 30 Years Rate 5.125% (APR 5.537%) Monthly Payment $2,967.45 Does not include mortgage insurance/taxes/homeowners insurance	5.125 % Repayment × Rates provided for primary residency occupancy on 12/04/2025 Home Price $545,000 Down Payment 0% Term 30 Years Rate 5.125% (APR 5.537%) Monthly Payment $2,967.45 Does not include mortgage insurance/taxes/homeowners insurance	5.125 % Repayment × Rates provided for primary residency occupancy on 12/04/2025 Home Price $545,000 Down Payment 0% Term 30 Years Rate 5.125% (APR 5.537%) Monthly Payment $2,967.45 Does not include mortgage insurance/taxes/homeowners insurance
5%	5.750 % Repayment × Rates provided for primary residency occupancy on 12/04/2025 Home Price $545,000 Down Payment 5% Term 30 Years Rate 5.75% (APR 6.194%) Monthly Payment $3,021.45 Does not include mortgage insurance/taxes/homeowners insurance	5.500 % Repayment × Rates provided for primary residency occupancy on 12/04/2025 Home Price $545,000 Down Payment 5% Term 30 Years Rate 5.5% (APR 5.937%) Monthly Payment $2,939.73 Does not include mortgage insurance/taxes/homeowners insurance	5.125 % Repayment × Rates provided for primary residency occupancy on 12/04/2025 Home Price $545,000 Down Payment 5% Term 30 Years Rate 5.125% (APR 5.553%) Monthly Payment $2,819.08 Does not include mortgage insurance/taxes/homeowners insurance	5.125 % Repayment × Rates provided for primary residency occupancy on 12/04/2025 Home Price $545,000 Down Payment 5% Term 30 Years Rate 5.125% (APR 5.553%) Monthly Payment $2,819.08 Does not include mortgage insurance/taxes/homeowners insurance	5.000 % Repayment × Rates provided for primary residency occupancy on 12/04/2025 Home Price $545,000 Down Payment 5% Term 30 Years Rate 5% (APR 5.424%) Monthly Payment $2,779.39 Does not include mortgage insurance/taxes/homeowners insurance	5.000 % Repayment × Rates provided for primary residency occupancy on 12/04/2025 Home Price $545,000 Down Payment 5% Term 30 Years Rate 5% (APR 5.424%) Monthly Payment $2,779.39 Does not include mortgage insurance/taxes/homeowners insurance	5.000 % Repayment × Rates provided for primary residency occupancy on 12/04/2025 Home Price $545,000 Down Payment 5% Term 30 Years Rate 5% (APR 5.424%) Monthly Payment $2,779.39 Does not include mortgage insurance/taxes/homeowners insurance
10%	5.625 % Repayment × Rates provided for primary residency occupancy on 12/04/2025 Home Price $545,000 Down Payment 10% Term 30 Years Rate 5.625% (APR 6.083%) Monthly Payment $2,823.59 Does not include mortgage insurance/taxes/homeowners insurance	5.375 % Repayment × Rates provided for primary residency occupancy on 12/04/2025 Home Price $545,000 Down Payment 10% Term 30 Years Rate 5.375% (APR 5.826%) Monthly Payment $2,746.66 Does not include mortgage insurance/taxes/homeowners insurance	5.125 % Repayment × Rates provided for primary residency occupancy on 12/04/2025 Home Price $545,000 Down Payment 10% Term 30 Years Rate 5.125% (APR 5.569%) Monthly Payment $2,670.71 Does not include mortgage insurance/taxes/homeowners insurance	5.000 % Repayment × Rates provided for primary residency occupancy on 12/04/2025 Home Price $545,000 Down Payment 10% Term 30 Years Rate 5% (APR 5.441%) Monthly Payment $2,633.11 Does not include mortgage insurance/taxes/homeowners insurance	4.990 % Repayment × Rates provided for primary residency occupancy on 12/04/2025 Home Price $545,000 Down Payment 10% Term 30 Years Rate 4.99% (APR 5.431%) Monthly Payment $2,630.11 Does not include mortgage insurance/taxes/homeowners insurance	4.990 % Repayment × Rates provided for primary residency occupancy on 12/04/2025 Home Price $545,000 Down Payment 10% Term 30 Years Rate 4.99% (APR 5.431%) Monthly Payment $2,630.11 Does not include mortgage insurance/taxes/homeowners insurance	4.990 % Repayment × Rates provided for primary residency occupancy on 12/04/2025 Home Price $545,000 Down Payment 10% Term 30 Years Rate 4.99% (APR 5.431%) Monthly Payment $2,630.11 Does not include mortgage insurance/taxes/homeowners insurance
20%	5.500 % Repayment × Rates provided for primary residency occupancy on 12/04/2025 Home Price $545,000 Down Payment 20% Term 30 Years Rate 5.5% (APR 5.995%) Monthly Payment $2,475.56 Does not include mortgage insurance/taxes/homeowners insurance	5.125 % Repayment × Rates provided for primary residency occupancy on 12/04/2025 Home Price $545,000 Down Payment 20% Term 30 Years Rate 5.125% (APR 5.609%) Monthly Payment $2,373.96 Does not include mortgage insurance/taxes/homeowners insurance	5.000 % Repayment × Rates provided for primary residency occupancy on 12/04/2025 Home Price $545,000 Down Payment 20% Term 30 Years Rate 5% (APR 5.48%) Monthly Payment $2,340.54 Does not include mortgage insurance/taxes/homeowners insurance	4.990 % Repayment × Rates provided for primary residency occupancy on 12/04/2025 Home Price $545,000 Down Payment 20% Term 30 Years Rate 4.99% (APR 5.47%) Monthly Payment $2,337.88 Does not include mortgage insurance/taxes/homeowners insurance	4.990 % Repayment × Rates provided for primary residency occupancy on 12/04/2025 Home Price $545,000 Down Payment 20% Term 30 Years Rate 4.99% (APR 5.47%) Monthly Payment $2,337.88 Does not include mortgage insurance/taxes/homeowners insurance	4.990 % Repayment × Rates provided for primary residency occupancy on 12/04/2025 Home Price $545,000 Down Payment 20% Term 30 Years Rate 4.99% (APR 5.47%) Monthly Payment $2,337.88 Does not include mortgage insurance/taxes/homeowners insurance	4.990 % Repayment × Rates provided for primary residency occupancy on 12/04/2025 Home Price $545,000 Down Payment 20% Term 30 Years Rate 4.99% (APR 5.47%) Monthly Payment $2,337.88 Does not include mortgage insurance/taxes/homeowners insurance

DOWN PAYMENT

*Table is a guide to anticipate pricing for primary residences, for conventional loans only, when seller contribution is applied to today’s pricing. Down payment < 10% have a max contribution of 3%.

* Payment example: Rates provided for primary residency occupancy on 12/04/2025. Home price $545,000, down payment 10%, loan amount $490,500, term-30 year, fixed rate 4.99% (APR 5.431%), monthly payment $2,630.11. Monthly payment does not include taxes or insurance. List & Lock rates shown are accurate as of 12/04/2025. Rates can change daily, contact Loan Officer for details. Monthly payment does not include taxes or insurance.

10/6 ARM

Rates based on seller concession

Standard rate with as little as 5% down.

Pricing at 3% seller concession: $16,350.00

To view repayment scenarios, click the numbers on the chart.

FICO

	620	640	660	680	700	720	740	760	780
5%	6.125 % Repayment × Rates provided for primary residency occupancy on 12/04/2025 Home Price $545,000 Down Payment 5% Term 30 Years Rate 6.125% (APR 6.579%) Monthly Payment $3,145.90 Does not include mortgage insurance/taxes/homeowners insurance	5.875 % Repayment × Rates provided for primary residency occupancy on 12/04/2025 Home Price $545,000 Down Payment 5% Term 30 Years Rate 5.875% (APR 6.322%) Monthly Payment $3,062.69 Does not include mortgage insurance/taxes/homeowners insurance	5.750 % Repayment × Rates provided for primary residency occupancy on 12/04/2025 Home Price $545,000 Down Payment 5% Term 30 Years Rate 5.75% (APR 6.194%) Monthly Payment $3,021.45 Does not include mortgage insurance/taxes/homeowners insurance	5.750 % Repayment × Rates provided for primary residency occupancy on 12/04/2025 Home Price $545,000 Down Payment 5% Term 30 Years Rate 5.75% (APR 6.194%) Monthly Payment $3,021.45 Does not include mortgage insurance/taxes/homeowners insurance	5.625 % Repayment × Rates provided for primary residency occupancy on 12/04/2025 Home Price $545,000 Down Payment 5% Term 30 Years Rate 5.625% (APR 6.066%) Monthly Payment $2,980.46 Does not include mortgage insurance/taxes/homeowners insurance	5.625 % Repayment × Rates provided for primary residency occupancy on 12/04/2025 Home Price $545,000 Down Payment 5% Term 30 Years Rate 5.625% (APR 6.066%) Monthly Payment $2,980.46 Does not include mortgage insurance/taxes/homeowners insurance	5.375 % Repayment × Rates provided for primary residency occupancy on 12/04/2025 Home Price $545,000 Down Payment 5% Term 30 Years Rate 5.375% (APR 5.809%) Monthly Payment $2,899.25 Does not include mortgage insurance/taxes/homeowners insurance	5.250 % Repayment × Rates provided for primary residency occupancy on 12/04/2025 Home Price $545,000 Down Payment 5% Term 30 Years Rate 5.25% (APR 5.681%) Monthly Payment $2,859.03 Does not include mortgage insurance/taxes/homeowners insurance	5.250 % Repayment × Rates provided for primary residency occupancy on 12/04/2025 Home Price $545,000 Down Payment 5% Term 30 Years Rate 5.25% (APR 5.681%) Monthly Payment $2,859.03 Does not include mortgage insurance/taxes/homeowners insurance
10%	5.990 % Repayment × Rates provided for primary residency occupancy on 12/04/2025 Home Price $545,000 Down Payment 10% Term 30 Years Rate 5.99% (APR 6.458%) Monthly Payment $2,937.64 Does not include mortgage insurance/taxes/homeowners insurance	5.750 % Repayment × Rates provided for primary residency occupancy on 12/04/2025 Home Price $545,000 Down Payment 10% Term 30 Years Rate 5.75% (APR 6.211%) Monthly Payment $2,862.42 Does not include mortgage insurance/taxes/homeowners insurance	5.750 % Repayment × Rates provided for primary residency occupancy on 12/04/2025 Home Price $545,000 Down Payment 10% Term 30 Years Rate 5.75% (APR 6.211%) Monthly Payment $2,862.42 Does not include mortgage insurance/taxes/homeowners insurance	5.625 % Repayment × Rates provided for primary residency occupancy on 12/04/2025 Home Price $545,000 Down Payment 10% Term 30 Years Rate 5.625% (APR 6.083%) Monthly Payment $2,823.59 Does not include mortgage insurance/taxes/homeowners insurance	5.625 % Repayment × Rates provided for primary residency occupancy on 12/04/2025 Home Price $545,000 Down Payment 10% Term 30 Years Rate 5.625% (APR 6.083%) Monthly Payment $2,823.59 Does not include mortgage insurance/taxes/homeowners insurance	5.250 % Repayment × Rates provided for primary residency occupancy on 12/04/2025 Home Price $545,000 Down Payment 10% Term 30 Years Rate 5.25% (APR 5.698%) Monthly Payment $2,708.56 Does not include mortgage insurance/taxes/homeowners insurance	5.250 % Repayment × Rates provided for primary residency occupancy on 12/04/2025 Home Price $545,000 Down Payment 10% Term 30 Years Rate 5.25% (APR 5.698%) Monthly Payment $2,708.56 Does not include mortgage insurance/taxes/homeowners insurance	5.250 % Repayment × Rates provided for primary residency occupancy on 12/04/2025 Home Price $545,000 Down Payment 10% Term 30 Years Rate 5.25% (APR 5.698%) Monthly Payment $2,708.56 Does not include mortgage insurance/taxes/homeowners insurance	5.250 % Repayment × Rates provided for primary residency occupancy on 12/04/2025 Home Price $545,000 Down Payment 10% Term 30 Years Rate 5.25% (APR 5.698%) Monthly Payment $2,708.56 Does not include mortgage insurance/taxes/homeowners insurance
20%	5.990 % Repayment × Rates provided for primary residency occupancy on 12/04/2025 Home Price $545,000 Down Payment 20% Term 30 Years Rate 5.99% (APR 6.5%) Monthly Payment $2,611.24 Does not include mortgage insurance/taxes/homeowners insurance	5.750 % Repayment × Rates provided for primary residency occupancy on 12/04/2025 Home Price $545,000 Down Payment 20% Term 30 Years Rate 5.75% (APR 6.253%) Monthly Payment $2,544.38 Does not include mortgage insurance/taxes/homeowners insurance	5.625 % Repayment × Rates provided for primary residency occupancy on 12/04/2025 Home Price $545,000 Down Payment 20% Term 30 Years Rate 5.625% (APR 6.124%) Monthly Payment $2,509.86 Does not include mortgage insurance/taxes/homeowners insurance	5.625 % Repayment × Rates provided for primary residency occupancy on 12/04/2025 Home Price $545,000 Down Payment 20% Term 30 Years Rate 5.625% (APR 6.124%) Monthly Payment $2,509.86 Does not include mortgage insurance/taxes/homeowners insurance	5.250 % Repayment × Rates provided for primary residency occupancy on 12/04/2025 Home Price $545,000 Down Payment 20% Term 30 Years Rate 5.25% (APR 5.738%) Monthly Payment $2,407.61 Does not include mortgage insurance/taxes/homeowners insurance	5.250 % Repayment × Rates provided for primary residency occupancy on 12/04/2025 Home Price $545,000 Down Payment 20% Term 30 Years Rate 5.25% (APR 5.738%) Monthly Payment $2,407.61 Does not include mortgage insurance/taxes/homeowners insurance	5.250 % Repayment × Rates provided for primary residency occupancy on 12/04/2025 Home Price $545,000 Down Payment 20% Term 30 Years Rate 5.25% (APR 5.738%) Monthly Payment $2,407.61 Does not include mortgage insurance/taxes/homeowners insurance	5.250 % Repayment × Rates provided for primary residency occupancy on 12/04/2025 Home Price $545,000 Down Payment 20% Term 30 Years Rate 5.25% (APR 5.738%) Monthly Payment $2,407.61 Does not include mortgage insurance/taxes/homeowners insurance	5.250 % Repayment × Rates provided for primary residency occupancy on 12/04/2025 Home Price $545,000 Down Payment 20% Term 30 Years Rate 5.25% (APR 5.738%) Monthly Payment $2,407.61 Does not include mortgage insurance/taxes/homeowners insurance
25%	5.625 % Repayment × Rates provided for primary residency occupancy on 12/04/2025 Home Price $545,000 Down Payment 25% Term 30 Years Rate 5.625% (APR 6.149%) Monthly Payment $2,353.00 Does not include mortgage insurance/taxes/homeowners insurance	5.250 % Repayment × Rates provided for primary residency occupancy on 12/04/2025 Home Price $545,000 Down Payment 25% Term 30 Years Rate 5.25% (APR 5.762%) Monthly Payment $2,257.13 Does not include mortgage insurance/taxes/homeowners insurance	5.250 % Repayment × Rates provided for primary residency occupancy on 12/04/2025 Home Price $545,000 Down Payment 25% Term 30 Years Rate 5.25% (APR 5.762%) Monthly Payment $2,257.13 Does not include mortgage insurance/taxes/homeowners insurance	5.250 % Repayment × Rates provided for primary residency occupancy on 12/04/2025 Home Price $545,000 Down Payment 25% Term 30 Years Rate 5.25% (APR 5.762%) Monthly Payment $2,257.13 Does not include mortgage insurance/taxes/homeowners insurance	5.250 % Repayment × Rates provided for primary residency occupancy on 12/04/2025 Home Price $545,000 Down Payment 25% Term 30 Years Rate 5.25% (APR 5.762%) Monthly Payment $2,257.13 Does not include mortgage insurance/taxes/homeowners insurance	5.250 % Repayment × Rates provided for primary residency occupancy on 12/04/2025 Home Price $545,000 Down Payment 25% Term 30 Years Rate 5.25% (APR 5.762%) Monthly Payment $2,257.13 Does not include mortgage insurance/taxes/homeowners insurance	5.125 % Repayment × Rates provided for primary residency occupancy on 12/04/2025 Home Price $545,000 Down Payment 25% Term 30 Years Rate 5.125% (APR 5.633%) Monthly Payment $2,225.59 Does not include mortgage insurance/taxes/homeowners insurance	4.875 % Repayment × Rates provided for primary residency occupancy on 12/04/2025 Home Price $545,000 Down Payment 25% Term 30 Years Rate 4.875% (APR 5.376%) Monthly Payment $2,163.14 Does not include mortgage insurance/taxes/homeowners insurance	4.750 % Repayment × Rates provided for primary residency occupancy on 12/04/2025 Home Price $545,000 Down Payment 25% Term 30 Years Rate 4.75% (APR 5.247%) Monthly Payment $2,132.23 Does not include mortgage insurance/taxes/homeowners insurance

DOWN PAYMENT

*Table is a guide to anticipate pricing for primary residences, for conventional loans only, when seller contribution is applied to today’s pricing. Down payment < 10% have a max contribution of 3%.

* Payment example: Rates provided for primary residency occupancy on 12/04/2025. Home price $545,000, down payment 25%, loan amount $408,750, term-30 year, fixed rate 4.75% (APR 5.247%), monthly payment $2,132.23. Monthly payment does not include taxes or insurance. List & Lock rates shown are accurate as of 12/04/2025. Rates can change daily, contact Loan Officer for details. Monthly payment does not include taxes or insurance. Post Introductory Period Example: Interest Rate = SOFR + Margin. Payment can adjust every 6 months. Sample Repayments at month 120 with balance of $329,952.88: 3% Margin, 3.95% SOFR (12/03/25), 7% variable rate, $2,558.12 monthly payment. At max interest rate of 9.75% payment is $3,129.66.

Advertise Below-Market Rates on Your Listing

Rate Advertised: 4.990% (APR 5.431%)*

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FHA

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VA

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