Record Low Rates as Low as 2.75% (2.89% APR) – Disclosure as of December 10th, 2018

• The advertised loan is a 5/1 ARM (Adjustable Rate Mortgage) with a 30-year fully amortizing term
• The initial interest rate 2.75% is fixed for 5 years
• After the initial period, the variable interest rate and payment will adjust every year and equal the total of the 12-month LIBOR index (0.56% as of December 10, 2018) plus a margin of 2.44%.

The maximum periodic change in the interest rate is 2% with a maximum rate increase of 5.5% above the initial interest rate.

• Interest rate quoted assumes a FICO score of 740 or higher, debt-to-income ratios of 35% or lower, asset and reserve requirements are met, your property has a loan-to-value of 80% or less on a single family primary residence with a balance up to $417,000
• Not available in all states.
• Rates are subject to change daily without notice.
• Payment amounts shown do not include taxes or insurance.

Rate-Watch is not acting as a lender or broker and does not make loans, loan commitments, or lock-rates. The information provided by you to Rate-Watch is not an application for a mortgage loan nor is it used to pre-qualify you with any lender. All credit decisions, including loan approval and the conditional rates and terms you are offered, are the responsibility of the participating lenders and will vary based upon your loan request, your particular financial situation, and and/or other factors and criteria determined by the lenders to whom you are matched. Rate-Watch does not offer its matching services in all states. Not all consumers will qualify for the advertised rates, programs and terms. This sample disclosure is intended for informational purposes only and does not constitute legal advice.