List & Lock

Specific Rate Possibilities By Loan Type >

Conventional

10/6 ARM

Conventional

Rates based on seller concession

Standard rate with as little as 20% down.

Pricing at 4% seller concession: $49,960.00

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

FICO

	620	640	660	680	700	720	740	760	780
20%	5.875 % Repayment × Rates provided for primary residency occupancy on 12/20/2025 Home Price $1,249,000 Down Payment 20% Term 30 Years Rate 5.875% (APR 6.509%) Monthly Payment $5,910.65 Does not include mortgage insurance/taxes/homeowners insurance	5.625 % Repayment × Rates provided for primary residency occupancy on 12/20/2025 Home Price $1,249,000 Down Payment 20% Term 30 Years Rate 5.625% (APR 6.249%) Monthly Payment $5,751.96 Does not include mortgage insurance/taxes/homeowners insurance	5.625 % Repayment × Rates provided for primary residency occupancy on 12/20/2025 Home Price $1,249,000 Down Payment 20% Term 30 Years Rate 5.625% (APR 6.249%) Monthly Payment $5,751.96 Does not include mortgage insurance/taxes/homeowners insurance	5.500 % Repayment × Rates provided for primary residency occupancy on 12/20/2025 Home Price $1,249,000 Down Payment 20% Term 30 Years Rate 5.5% (APR 6.12%) Monthly Payment $5,673.35 Does not include mortgage insurance/taxes/homeowners insurance	5.490 % Repayment × Rates provided for primary residency occupancy on 12/20/2025 Home Price $1,249,000 Down Payment 20% Term 30 Years Rate 5.49% (APR 6.109%) Monthly Payment $5,667.08 Does not include mortgage insurance/taxes/homeowners insurance	5.490 % Repayment × Rates provided for primary residency occupancy on 12/20/2025 Home Price $1,249,000 Down Payment 20% Term 30 Years Rate 5.49% (APR 6.109%) Monthly Payment $5,667.08 Does not include mortgage insurance/taxes/homeowners insurance	5.375 % Repayment × Rates provided for primary residency occupancy on 12/20/2025 Home Price $1,249,000 Down Payment 20% Term 30 Years Rate 5.375% (APR 5.99%) Monthly Payment $5,595.23 Does not include mortgage insurance/taxes/homeowners insurance	5.375 % Repayment × Rates provided for primary residency occupancy on 12/20/2025 Home Price $1,249,000 Down Payment 20% Term 30 Years Rate 5.375% (APR 5.99%) Monthly Payment $5,595.23 Does not include mortgage insurance/taxes/homeowners insurance	5.250 % Repayment × Rates provided for primary residency occupancy on 12/20/2025 Home Price $1,249,000 Down Payment 20% Term 30 Years Rate 5.25% (APR 5.86%) Monthly Payment $5,517.62 Does not include mortgage insurance/taxes/homeowners insurance
25%	5.490 % Repayment × Rates provided for primary residency occupancy on 12/20/2025 Home Price $1,249,000 Down Payment 25% Term 30 Years Rate 5.49% (APR 6.143%) Monthly Payment $5,312.89 Does not include mortgage insurance/taxes/homeowners insurance	5.375 % Repayment × Rates provided for primary residency occupancy on 12/20/2025 Home Price $1,249,000 Down Payment 25% Term 30 Years Rate 5.375% (APR 6.023%) Monthly Payment $5,245.53 Does not include mortgage insurance/taxes/homeowners insurance	5.375 % Repayment × Rates provided for primary residency occupancy on 12/20/2025 Home Price $1,249,000 Down Payment 25% Term 30 Years Rate 5.375% (APR 6.023%) Monthly Payment $5,245.53 Does not include mortgage insurance/taxes/homeowners insurance	5.375 % Repayment × Rates provided for primary residency occupancy on 12/20/2025 Home Price $1,249,000 Down Payment 25% Term 30 Years Rate 5.375% (APR 6.023%) Monthly Payment $5,245.53 Does not include mortgage insurance/taxes/homeowners insurance	5.250 % Repayment × Rates provided for primary residency occupancy on 12/20/2025 Home Price $1,249,000 Down Payment 25% Term 30 Years Rate 5.25% (APR 5.893%) Monthly Payment $5,172.77 Does not include mortgage insurance/taxes/homeowners insurance	5.250 % Repayment × Rates provided for primary residency occupancy on 12/20/2025 Home Price $1,249,000 Down Payment 25% Term 30 Years Rate 5.25% (APR 5.893%) Monthly Payment $5,172.77 Does not include mortgage insurance/taxes/homeowners insurance	5.250 % Repayment × Rates provided for primary residency occupancy on 12/20/2025 Home Price $1,249,000 Down Payment 25% Term 30 Years Rate 5.25% (APR 5.893%) Monthly Payment $5,172.77 Does not include mortgage insurance/taxes/homeowners insurance	5.125 % Repayment × Rates provided for primary residency occupancy on 12/20/2025 Home Price $1,249,000 Down Payment 25% Term 30 Years Rate 5.125% (APR 5.763%) Monthly Payment $5,100.48 Does not include mortgage insurance/taxes/homeowners insurance	5.125 % Repayment × Rates provided for primary residency occupancy on 12/20/2025 Home Price $1,249,000 Down Payment 25% Term 30 Years Rate 5.125% (APR 5.763%) Monthly Payment $5,100.48 Does not include mortgage insurance/taxes/homeowners insurance
30%	5.375 % Repayment × Rates provided for primary residency occupancy on 12/20/2025 Home Price $1,249,000 Down Payment 30% Term 30 Years Rate 5.375% (APR 6.062%) Monthly Payment $4,895.83 Does not include mortgage insurance/taxes/homeowners insurance	5.250 % Repayment × Rates provided for primary residency occupancy on 12/20/2025 Home Price $1,249,000 Down Payment 30% Term 30 Years Rate 5.25% (APR 5.931%) Monthly Payment $4,827.92 Does not include mortgage insurance/taxes/homeowners insurance	5.250 % Repayment × Rates provided for primary residency occupancy on 12/20/2025 Home Price $1,249,000 Down Payment 30% Term 30 Years Rate 5.25% (APR 5.931%) Monthly Payment $4,827.92 Does not include mortgage insurance/taxes/homeowners insurance	5.125 % Repayment × Rates provided for primary residency occupancy on 12/20/2025 Home Price $1,249,000 Down Payment 30% Term 30 Years Rate 5.125% (APR 5.801%) Monthly Payment $4,760.45 Does not include mortgage insurance/taxes/homeowners insurance	5.125 % Repayment × Rates provided for primary residency occupancy on 12/20/2025 Home Price $1,249,000 Down Payment 30% Term 30 Years Rate 5.125% (APR 5.801%) Monthly Payment $4,760.45 Does not include mortgage insurance/taxes/homeowners insurance	5.125 % Repayment × Rates provided for primary residency occupancy on 12/20/2025 Home Price $1,249,000 Down Payment 30% Term 30 Years Rate 5.125% (APR 5.801%) Monthly Payment $4,760.45 Does not include mortgage insurance/taxes/homeowners insurance	5.125 % Repayment × Rates provided for primary residency occupancy on 12/20/2025 Home Price $1,249,000 Down Payment 30% Term 30 Years Rate 5.125% (APR 5.801%) Monthly Payment $4,760.45 Does not include mortgage insurance/taxes/homeowners insurance	4.990 % Repayment × Rates provided for primary residency occupancy on 12/20/2025 Home Price $1,249,000 Down Payment 30% Term 30 Years Rate 4.99% (APR 5.661%) Monthly Payment $4,688.09 Does not include mortgage insurance/taxes/homeowners insurance	4.990 % Repayment × Rates provided for primary residency occupancy on 12/20/2025 Home Price $1,249,000 Down Payment 30% Term 30 Years Rate 4.99% (APR 5.661%) Monthly Payment $4,688.09 Does not include mortgage insurance/taxes/homeowners insurance
35%	5.250 % Repayment × Rates provided for primary residency occupancy on 12/20/2025 Home Price $1,249,000 Down Payment 35% Term 30 Years Rate 5.25% (APR 5.975%) Monthly Payment $4,483.07 Does not include mortgage insurance/taxes/homeowners insurance	5.125 % Repayment × Rates provided for primary residency occupancy on 12/20/2025 Home Price $1,249,000 Down Payment 35% Term 30 Years Rate 5.125% (APR 5.845%) Monthly Payment $4,420.42 Does not include mortgage insurance/taxes/homeowners insurance	5.125 % Repayment × Rates provided for primary residency occupancy on 12/20/2025 Home Price $1,249,000 Down Payment 35% Term 30 Years Rate 5.125% (APR 5.845%) Monthly Payment $4,420.42 Does not include mortgage insurance/taxes/homeowners insurance	5.125 % Repayment × Rates provided for primary residency occupancy on 12/20/2025 Home Price $1,249,000 Down Payment 35% Term 30 Years Rate 5.125% (APR 5.845%) Monthly Payment $4,420.42 Does not include mortgage insurance/taxes/homeowners insurance	4.990 % Repayment × Rates provided for primary residency occupancy on 12/20/2025 Home Price $1,249,000 Down Payment 35% Term 30 Years Rate 4.99% (APR 5.704%) Monthly Payment $4,353.23 Does not include mortgage insurance/taxes/homeowners insurance	4.990 % Repayment × Rates provided for primary residency occupancy on 12/20/2025 Home Price $1,249,000 Down Payment 35% Term 30 Years Rate 4.99% (APR 5.704%) Monthly Payment $4,353.23 Does not include mortgage insurance/taxes/homeowners insurance	4.990 % Repayment × Rates provided for primary residency occupancy on 12/20/2025 Home Price $1,249,000 Down Payment 35% Term 30 Years Rate 4.99% (APR 5.704%) Monthly Payment $4,353.23 Does not include mortgage insurance/taxes/homeowners insurance	4.990 % Repayment × Rates provided for primary residency occupancy on 12/20/2025 Home Price $1,249,000 Down Payment 35% Term 30 Years Rate 4.99% (APR 5.704%) Monthly Payment $4,353.23 Does not include mortgage insurance/taxes/homeowners insurance	4.990 % Repayment × Rates provided for primary residency occupancy on 12/20/2025 Home Price $1,249,000 Down Payment 35% Term 30 Years Rate 4.99% (APR 5.704%) Monthly Payment $4,353.23 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 12/19/2025. Home price $1,249,000, down payment 30%, loan amount $874,300, term-30 year, fixed rate 4.99% (APR 5.661%), monthly payment $4,688.09. Monthly payment does not include taxes or insurance. List & Lock rates shown are accurate as of 12/19/2025. 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 4% seller concession: $49,960.00

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

FICO

	580	600	620	640	700	720	740
0%	5.625 % Repayment × Rates provided for primary residency occupancy on 12/20/2025 Home Price $1,249,000 Down Payment 0% Term 30 Years Rate 5.625% (APR 6.149%) Monthly Payment $7,189.95 Does not include mortgage insurance/taxes/homeowners insurance	5.490 % Repayment × Rates provided for primary residency occupancy on 12/20/2025 Home Price $1,249,000 Down Payment 0% Term 30 Years Rate 5.49% (APR 6.01%) Monthly Payment $7,083.85 Does not include mortgage insurance/taxes/homeowners insurance	5.125 % Repayment × Rates provided for primary residency occupancy on 12/20/2025 Home Price $1,249,000 Down Payment 0% Term 30 Years Rate 5.125% (APR 5.633%) Monthly Payment $6,800.64 Does not include mortgage insurance/taxes/homeowners insurance	5.125 % Repayment × Rates provided for primary residency occupancy on 12/20/2025 Home Price $1,249,000 Down Payment 0% Term 30 Years Rate 5.125% (APR 5.633%) Monthly Payment $6,800.64 Does not include mortgage insurance/taxes/homeowners insurance	5.000 % Repayment × Rates provided for primary residency occupancy on 12/20/2025 Home Price $1,249,000 Down Payment 0% Term 30 Years Rate 5% (APR 5.504%) Monthly Payment $6,704.90 Does not include mortgage insurance/taxes/homeowners insurance	5.000 % Repayment × Rates provided for primary residency occupancy on 12/20/2025 Home Price $1,249,000 Down Payment 0% Term 30 Years Rate 5% (APR 5.504%) Monthly Payment $6,704.90 Does not include mortgage insurance/taxes/homeowners insurance	5.000 % Repayment × Rates provided for primary residency occupancy on 12/20/2025 Home Price $1,249,000 Down Payment 0% Term 30 Years Rate 5% (APR 5.504%) Monthly Payment $6,704.90 Does not include mortgage insurance/taxes/homeowners insurance
5%	5.625 % Repayment × Rates provided for primary residency occupancy on 12/20/2025 Home Price $1,249,000 Down Payment 5% Term 30 Years Rate 5.625% (APR 6.17%) Monthly Payment $6,830.45 Does not include mortgage insurance/taxes/homeowners insurance	5.375 % Repayment × Rates provided for primary residency occupancy on 12/20/2025 Home Price $1,249,000 Down Payment 5% Term 30 Years Rate 5.375% (APR 5.912%) Monthly Payment $6,644.34 Does not include mortgage insurance/taxes/homeowners insurance	5.125 % Repayment × Rates provided for primary residency occupancy on 12/20/2025 Home Price $1,249,000 Down Payment 5% Term 30 Years Rate 5.125% (APR 5.654%) Monthly Payment $6,460.61 Does not include mortgage insurance/taxes/homeowners insurance	5.125 % Repayment × Rates provided for primary residency occupancy on 12/20/2025 Home Price $1,249,000 Down Payment 5% Term 30 Years Rate 5.125% (APR 5.654%) Monthly Payment $6,460.61 Does not include mortgage insurance/taxes/homeowners insurance	4.990 % Repayment × Rates provided for primary residency occupancy on 12/20/2025 Home Price $1,249,000 Down Payment 5% Term 30 Years Rate 4.99% (APR 5.514%) Monthly Payment $6,362.41 Does not include mortgage insurance/taxes/homeowners insurance	4.990 % Repayment × Rates provided for primary residency occupancy on 12/20/2025 Home Price $1,249,000 Down Payment 5% Term 30 Years Rate 4.99% (APR 5.514%) Monthly Payment $6,362.41 Does not include mortgage insurance/taxes/homeowners insurance	4.990 % Repayment × Rates provided for primary residency occupancy on 12/20/2025 Home Price $1,249,000 Down Payment 5% Term 30 Years Rate 4.99% (APR 5.514%) Monthly Payment $6,362.41 Does not include mortgage insurance/taxes/homeowners insurance
10%	5.625 % Repayment × Rates provided for primary residency occupancy on 12/20/2025 Home Price $1,249,000 Down Payment 10% Term 30 Years Rate 5.625% (APR 6.193%) Monthly Payment $6,470.95 Does not include mortgage insurance/taxes/homeowners insurance	5.250 % Repayment × Rates provided for primary residency occupancy on 12/20/2025 Home Price $1,249,000 Down Payment 10% Term 30 Years Rate 5.25% (APR 5.806%) Monthly Payment $6,207.32 Does not include mortgage insurance/taxes/homeowners insurance	5.125 % Repayment × Rates provided for primary residency occupancy on 12/20/2025 Home Price $1,249,000 Down Payment 10% Term 30 Years Rate 5.125% (APR 5.676%) Monthly Payment $6,120.58 Does not include mortgage insurance/taxes/homeowners insurance	5.000 % Repayment × Rates provided for primary residency occupancy on 12/20/2025 Home Price $1,249,000 Down Payment 10% Term 30 Years Rate 5% (APR 5.547%) Monthly Payment $6,034.41 Does not include mortgage insurance/taxes/homeowners insurance	4.990 % Repayment × Rates provided for primary residency occupancy on 12/20/2025 Home Price $1,249,000 Down Payment 10% Term 30 Years Rate 4.99% (APR 5.537%) Monthly Payment $6,027.54 Does not include mortgage insurance/taxes/homeowners insurance	4.990 % Repayment × Rates provided for primary residency occupancy on 12/20/2025 Home Price $1,249,000 Down Payment 10% Term 30 Years Rate 4.99% (APR 5.537%) Monthly Payment $6,027.54 Does not include mortgage insurance/taxes/homeowners insurance	4.990 % Repayment × Rates provided for primary residency occupancy on 12/20/2025 Home Price $1,249,000 Down Payment 10% Term 30 Years Rate 4.99% (APR 5.537%) Monthly Payment $6,027.54 Does not include mortgage insurance/taxes/homeowners insurance
20%	5.250 % Repayment × Rates provided for primary residency occupancy on 12/20/2025 Home Price $1,249,000 Down Payment 20% Term 30 Years Rate 5.25% (APR 5.86%) Monthly Payment $5,517.62 Does not include mortgage insurance/taxes/homeowners insurance	5.000 % Repayment × Rates provided for primary residency occupancy on 12/20/2025 Home Price $1,249,000 Down Payment 20% Term 30 Years Rate 5% (APR 5.601%) Monthly Payment $5,363.92 Does not include mortgage insurance/taxes/homeowners insurance	4.990 % Repayment × Rates provided for primary residency occupancy on 12/20/2025 Home Price $1,249,000 Down Payment 20% Term 30 Years Rate 4.99% (APR 5.591%) Monthly Payment $5,357.82 Does not include mortgage insurance/taxes/homeowners insurance	4.875 % Repayment × Rates provided for primary residency occupancy on 12/20/2025 Home Price $1,249,000 Down Payment 20% Term 30 Years Rate 4.875% (APR 5.471%) Monthly Payment $5,287.85 Does not include mortgage insurance/taxes/homeowners insurance	4.875 % Repayment × Rates provided for primary residency occupancy on 12/20/2025 Home Price $1,249,000 Down Payment 20% Term 30 Years Rate 4.875% (APR 5.471%) Monthly Payment $5,287.85 Does not include mortgage insurance/taxes/homeowners insurance	4.875 % Repayment × Rates provided for primary residency occupancy on 12/20/2025 Home Price $1,249,000 Down Payment 20% Term 30 Years Rate 4.875% (APR 5.471%) Monthly Payment $5,287.85 Does not include mortgage insurance/taxes/homeowners insurance	4.875 % Repayment × Rates provided for primary residency occupancy on 12/20/2025 Home Price $1,249,000 Down Payment 20% Term 30 Years Rate 4.875% (APR 5.471%) Monthly Payment $5,287.85 Does not include mortgage insurance/taxes/homeowners insurance

DOWN PAYMENT

* Payment example: Rates provided for primary residency occupancy on 12/19/2025. Home price $1,249,000, down payment 20%, loan amount $999,200, term-30 year, fixed rate 4.875% (APR 5.471%), monthly payment $5,287.85. Monthly payment does not include taxes or insurance. List & Lock rates shown are accurate as of 12/19/2025. 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 20% down.

Pricing at 4% seller concession: $49,960.00

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

FICO

	620	640	660	680	700	720	740	760	780
20%	6.250 % Repayment × Rates provided for primary residency occupancy on 12/20/2025 Home Price $1,249,000 Down Payment 20% Term 30 Years Rate 6.25% (APR 6.899%) Monthly Payment $6,152.25 Does not include mortgage insurance/taxes/homeowners insurance	6.250 % Repayment × Rates provided for primary residency occupancy on 12/20/2025 Home Price $1,249,000 Down Payment 20% Term 30 Years Rate 6.25% (APR 6.899%) Monthly Payment $6,152.25 Does not include mortgage insurance/taxes/homeowners insurance	5.990 % Repayment × Rates provided for primary residency occupancy on 12/20/2025 Home Price $1,249,000 Down Payment 20% Term 30 Years Rate 5.99% (APR 6.629%) Monthly Payment $5,984.29 Does not include mortgage insurance/taxes/homeowners insurance	5.990 % Repayment × Rates provided for primary residency occupancy on 12/20/2025 Home Price $1,249,000 Down Payment 20% Term 30 Years Rate 5.99% (APR 6.629%) Monthly Payment $5,984.29 Does not include mortgage insurance/taxes/homeowners insurance	5.750 % Repayment × Rates provided for primary residency occupancy on 12/20/2025 Home Price $1,249,000 Down Payment 20% Term 30 Years Rate 5.75% (APR 6.379%) Monthly Payment $5,831.06 Does not include mortgage insurance/taxes/homeowners insurance	5.750 % Repayment × Rates provided for primary residency occupancy on 12/20/2025 Home Price $1,249,000 Down Payment 20% Term 30 Years Rate 5.75% (APR 6.379%) Monthly Payment $5,831.06 Does not include mortgage insurance/taxes/homeowners insurance	5.625 % Repayment × Rates provided for primary residency occupancy on 12/20/2025 Home Price $1,249,000 Down Payment 20% Term 30 Years Rate 5.625% (APR 6.249%) Monthly Payment $5,751.96 Does not include mortgage insurance/taxes/homeowners insurance	5.625 % Repayment × Rates provided for primary residency occupancy on 12/20/2025 Home Price $1,249,000 Down Payment 20% Term 30 Years Rate 5.625% (APR 6.249%) Monthly Payment $5,751.96 Does not include mortgage insurance/taxes/homeowners insurance	5.250 % Repayment × Rates provided for primary residency occupancy on 12/20/2025 Home Price $1,249,000 Down Payment 20% Term 30 Years Rate 5.25% (APR 5.86%) Monthly Payment $5,517.62 Does not include mortgage insurance/taxes/homeowners insurance
25%	5.625 % Repayment × Rates provided for primary residency occupancy on 12/20/2025 Home Price $1,249,000 Down Payment 25% Term 30 Years Rate 5.625% (APR 6.283%) Monthly Payment $5,392.46 Does not include mortgage insurance/taxes/homeowners insurance	5.250 % Repayment × Rates provided for primary residency occupancy on 12/20/2025 Home Price $1,249,000 Down Payment 25% Term 30 Years Rate 5.25% (APR 5.893%) Monthly Payment $5,172.77 Does not include mortgage insurance/taxes/homeowners insurance	5.250 % Repayment × Rates provided for primary residency occupancy on 12/20/2025 Home Price $1,249,000 Down Payment 25% Term 30 Years Rate 5.25% (APR 5.893%) Monthly Payment $5,172.77 Does not include mortgage insurance/taxes/homeowners insurance	5.250 % Repayment × Rates provided for primary residency occupancy on 12/20/2025 Home Price $1,249,000 Down Payment 25% Term 30 Years Rate 5.25% (APR 5.893%) Monthly Payment $5,172.77 Does not include mortgage insurance/taxes/homeowners insurance	5.250 % Repayment × Rates provided for primary residency occupancy on 12/20/2025 Home Price $1,249,000 Down Payment 25% Term 30 Years Rate 5.25% (APR 5.893%) Monthly Payment $5,172.77 Does not include mortgage insurance/taxes/homeowners insurance	5.250 % Repayment × Rates provided for primary residency occupancy on 12/20/2025 Home Price $1,249,000 Down Payment 25% Term 30 Years Rate 5.25% (APR 5.893%) Monthly Payment $5,172.77 Does not include mortgage insurance/taxes/homeowners insurance	4.875 % Repayment × Rates provided for primary residency occupancy on 12/20/2025 Home Price $1,249,000 Down Payment 25% Term 30 Years Rate 4.875% (APR 5.504%) Monthly Payment $4,957.36 Does not include mortgage insurance/taxes/homeowners insurance	4.750 % Repayment × Rates provided for primary residency occupancy on 12/20/2025 Home Price $1,249,000 Down Payment 25% Term 30 Years Rate 4.75% (APR 5.374%) Monthly Payment $4,886.53 Does not include mortgage insurance/taxes/homeowners insurance	4.750 % Repayment × Rates provided for primary residency occupancy on 12/20/2025 Home Price $1,249,000 Down Payment 25% Term 30 Years Rate 4.75% (APR 5.374%) Monthly Payment $4,886.53 Does not include mortgage insurance/taxes/homeowners insurance
30%	5.250 % Repayment × Rates provided for primary residency occupancy on 12/20/2025 Home Price $1,249,000 Down Payment 30% Term 30 Years Rate 5.25% (APR 5.931%) Monthly Payment $4,827.92 Does not include mortgage insurance/taxes/homeowners insurance	5.250 % Repayment × Rates provided for primary residency occupancy on 12/20/2025 Home Price $1,249,000 Down Payment 30% Term 30 Years Rate 5.25% (APR 5.931%) Monthly Payment $4,827.92 Does not include mortgage insurance/taxes/homeowners insurance	4.875 % Repayment × Rates provided for primary residency occupancy on 12/20/2025 Home Price $1,249,000 Down Payment 30% Term 30 Years Rate 4.875% (APR 5.541%) Monthly Payment $4,626.87 Does not include mortgage insurance/taxes/homeowners insurance	4.750 % Repayment × Rates provided for primary residency occupancy on 12/20/2025 Home Price $1,249,000 Down Payment 30% Term 30 Years Rate 4.75% (APR 5.411%) Monthly Payment $4,560.76 Does not include mortgage insurance/taxes/homeowners insurance	4.750 % Repayment × Rates provided for primary residency occupancy on 12/20/2025 Home Price $1,249,000 Down Payment 30% Term 30 Years Rate 4.75% (APR 5.411%) Monthly Payment $4,560.76 Does not include mortgage insurance/taxes/homeowners insurance	4.750 % Repayment × Rates provided for primary residency occupancy on 12/20/2025 Home Price $1,249,000 Down Payment 30% Term 30 Years Rate 4.75% (APR 5.411%) Monthly Payment $4,560.76 Does not include mortgage insurance/taxes/homeowners insurance	4.750 % Repayment × Rates provided for primary residency occupancy on 12/20/2025 Home Price $1,249,000 Down Payment 30% Term 30 Years Rate 4.75% (APR 5.411%) Monthly Payment $4,560.76 Does not include mortgage insurance/taxes/homeowners insurance	4.750 % Repayment × Rates provided for primary residency occupancy on 12/20/2025 Home Price $1,249,000 Down Payment 30% Term 30 Years Rate 4.75% (APR 5.411%) Monthly Payment $4,560.76 Does not include mortgage insurance/taxes/homeowners insurance	4.750 % Repayment × Rates provided for primary residency occupancy on 12/20/2025 Home Price $1,249,000 Down Payment 30% Term 30 Years Rate 4.75% (APR 5.411%) Monthly Payment $4,560.76 Does not include mortgage insurance/taxes/homeowners insurance
35%	5.250 % Repayment × Rates provided for primary residency occupancy on 12/20/2025 Home Price $1,249,000 Down Payment 35% Term 30 Years Rate 5.25% (APR 5.975%) Monthly Payment $4,483.07 Does not include mortgage insurance/taxes/homeowners insurance	4.750 % Repayment × Rates provided for primary residency occupancy on 12/20/2025 Home Price $1,249,000 Down Payment 35% Term 30 Years Rate 4.75% (APR 5.454%) Monthly Payment $4,234.99 Does not include mortgage insurance/taxes/homeowners insurance	4.750 % Repayment × Rates provided for primary residency occupancy on 12/20/2025 Home Price $1,249,000 Down Payment 35% Term 30 Years Rate 4.75% (APR 5.454%) Monthly Payment $4,234.99 Does not include mortgage insurance/taxes/homeowners insurance	4.750 % Repayment × Rates provided for primary residency occupancy on 12/20/2025 Home Price $1,249,000 Down Payment 35% Term 30 Years Rate 4.75% (APR 5.454%) Monthly Payment $4,234.99 Does not include mortgage insurance/taxes/homeowners insurance	4.750 % Repayment × Rates provided for primary residency occupancy on 12/20/2025 Home Price $1,249,000 Down Payment 35% Term 30 Years Rate 4.75% (APR 5.454%) Monthly Payment $4,234.99 Does not include mortgage insurance/taxes/homeowners insurance	4.750 % Repayment × Rates provided for primary residency occupancy on 12/20/2025 Home Price $1,249,000 Down Payment 35% Term 30 Years Rate 4.75% (APR 5.454%) Monthly Payment $4,234.99 Does not include mortgage insurance/taxes/homeowners insurance	4.750 % Repayment × Rates provided for primary residency occupancy on 12/20/2025 Home Price $1,249,000 Down Payment 35% Term 30 Years Rate 4.75% (APR 5.454%) Monthly Payment $4,234.99 Does not include mortgage insurance/taxes/homeowners insurance	4.625 % Repayment × Rates provided for primary residency occupancy on 12/20/2025 Home Price $1,249,000 Down Payment 35% Term 30 Years Rate 4.625% (APR 5.323%) Monthly Payment $4,174.04 Does not include mortgage insurance/taxes/homeowners insurance	4.625 % Repayment × Rates provided for primary residency occupancy on 12/20/2025 Home Price $1,249,000 Down Payment 35% Term 30 Years Rate 4.625% (APR 5.323%) Monthly Payment $4,174.04 Does not include mortgage insurance/taxes/homeowners insurance

DOWN PAYMENT

* Payment example: Rates provided for primary residency occupancy on 12/19/2025. Home price $1,249,000, down payment 35%, loan amount $811,850, term-30 year, fixed rate 4.625% (APR 5.323%), monthly payment $4,174.04. Monthly payment does not include taxes or insurance. List & Lock rates shown are accurate as of 12/19/2025. 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 $652,788.99: 3% Margin, 3.66% SOFR (12/18/25), 6.625% variable rate, $4,915.18 monthly payment. At max interest rate of 9.625% payment is $6,138.23.

Advertise Below-Market Rates on Your Listing

Rate Advertised: 4.990% (APR 5.661%)*

Have questions? Reach out to me!

4.99

4.99

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Rates based on seller concession

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

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VA

Rates based on seller concession

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

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10/6 ARM

Rates based on seller concession

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

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