ADVERTISED RATE ASSUMPTIONS as of August 12, 2021

VA IRRRL 30-Year Fixed-Rate Mortgage - Rate as low as 2.25% ( 2.281% APR Exempt/2.318% APR Non-Exempt), is based on the following assumptions: VA 30-year fixed-rate, which is a 30-year loan that has a fixed rate for the entire loan term of 30 years. The loan payments are due each month for 360 months. Single family primary residence, $375,000 base loan amount, 740 credit score, lock period of 30 days, and includes no discount points paid at closing. VA Funding Fee Non-Exempt Payment example: Total loan amount $376,875 – includes VA funding fee, Payment $1,440.59. Payment shown does not include taxes, insurance, or HOA dues. The actual payment obligation will be higher. Total loan amount includes VA required VA Funding Fee of 0.50% and could be lower based on veteran eligibility. VA Funding Fee Exempt Payment example: Total loan amount $375,000 – no VA funding fee, Payment $1,433.42. Payment shown does not include taxes, insurance, or HOA dues. The actual payment obligation will be higher. VA loans do not require PMI. The VA loan is a benefit of military service and is only offered to veterans, surviving spouses and active duty military.

VA IRRRL 15-Year Fixed-Rate Mortgage - Rate as low as 1.75% (1.804% APR Exempt/2.087% APR Non-Exempt), is based on the following assumptions: VA 15-year fixed-rate, which is a 15-year loan that has a fixed rate for the entire loan term of 15 years. The loan payments are due each month for 180 months. Single family primary residence, $375,000 base loan amount, 740 credit score, lock period of 45 days, and includes 1.5 discount points paid at closing. VA Funding Fee Non-Exempt Payment example: Total loan amount $376,875 – includes VA Funding Fee, Payment $2,382.08. Payment shown does not include taxes, insurance, or HOA dues. The actual payment obligation will be higher. Total loan amount includes VA required VA Funding Fee of 0.50% and could be lower based on veteran eligibility. VA Funding Fee Exempt Payment example: Total loan amount $375,000 – no VA funding fee, Payment $2,370.23. Payment shown does not include taxes, insurance, or HOA dues. The actual payment obligation will be higher. VA loans do not require PMI. The VA loan is a benefit of military service and is only offered to veterans, surviving spouses and active duty military.

VA 30-Year Fixed-Rate Mortgage - Rate as low as 2.25% (2.428% APR Exempt/2.703% APR Non-Exempt), is based on the following assumptions: VA 30-year fixed-rate, which is a 30-year loan that has a fixed rate for the entire loan term of 30 years. The loan payments are due each month for 360 months. Single family primary residence, $375,000 base loan amount, 680 credit score, lock period of 45 days, 90% Loan-to-Value, 43% Debt-to-Income, and includes 2.00% discount points paid at closing. VA Funding Fee Non-Exempt Payment example: Total loan amount of $388,500- includes VA Funding Fee, Payment $1,485.03. Payment does to include taxes, insurance or HOA dues. The actual payment obligation will be higher. Total loan amount includes required VA subsequent use VA Funding Fee of 3.60% and could be lower based on veteran eligibility. VA Funding Fee Exempt Payment example: Total loan amount of $375,000- no VA Funding Fee, Payment $1,433.42. Payment does to include taxes, insurance or HOA dues. The actual payment obligation will be higher. VA loans do not require PMI. The VA loan is a benefit of military service and is only offered to veterans, surviving spouses and active duty military.

VA 15-Year Fixed-Rate Mortgage - Rate as low as 1.75% (2.076% APR Exempt/2.585% APR Non-Exempt), is based on the following assumptions: VA 15-year fixed-rate, which is a 15-year loan that has a fixed rate for the entire loan term of 15 years. The loan payments are due each month for 180 months. Single family primary residence, $375,000 base loan amount, 680 credit score, lock period of 45 days, 90% Loan-to-Value, 43% Debt-to-Income, and includes 2.00% discount points paid at closing. VA Funding Fee Non-Exempt Payment example: Total loan amount of $388,500- includes VA Funding Fee, Payment $2,455.56. Payment does to include taxes, insurance or HOA dues. The actual payment obligation will be higher. Total loan amount includes required VA subsequent use VA Funding Fee of 3.60% and could be lower based on veteran eligibility. VA Funding Fee Exempt Payment example: Total loan amount of $375,000 – no VA funding fee, Payment $2,370.23. Payment does to include taxes, insurance or HOA dues. The actual payment obligation will be higher. VA loans do not require PMI. The VA loan is a benefit of military service and is only offered to veterans, surviving spouses and active duty military.

FHA 30-Year Fixed-Rate Mortgage - Rate as low as 2.25% (3.432% APR), is based on the following assumptions: FHA 30-year fixed-rate, which is a 30-year loan that has a fixed rate for the entire loan term of 30 years. The loan payments are due each month for 360 months. Single family primary residence, $375,000 base loan amount, 680 credit score, lock period of 30 days, and includes 2.0% discount points paid at closing. Payment example: Total loan amount $381,562, Payment $1,458.51. Payment shown does not include taxes, insurance, or HOA dues. The actual payment obligation will be higher. Total loan amount includes FHA upfront mortgage insurance premium (MIP) of 1.75% and payment includes FHA monthly mortgage insurance premium of 0.85% and could be lower based on FHA eligibility and LTV.

Conventional 15-Year Fixed-Rate Mortgage - Rate as low as 2.25% (2.087% APR), is based on the following assumptions: Conventional 15-year fixed-rate, which is which is a 15-year loan that has a fixed rate for the entire loan term of 15 years. The loan payments are due each month for 180 months. Single family primary residence, $375,000 loan amount, 740 credit score, lock period of 45 days, 79% Loan-to-Value, 43% Debt-to-Income, and includes 2.00% discount points paid at closing. Payment example: Total loan amount $375,000, Payment $2,370.23 Payment shown does not include taxes, insurance, or HOA dues. The actual payment obligation will be higher.

This is not a commitment to lend. Rates and terms are subject to change based on market conditions and borrower’s eligibility. Rates and payments shown do not factor in all your information. Your specific situation may warrant a higher rate and payment based on credit history, income and many other factors as they may apply. Lending services may not be available in all states or areas. Some products may not be available in all states or areas.

100% financing eligibility may be available on VA home loans up to the fair market value of the home – If credit exceeds the fair market value of the dwelling, interest on the portion of the credit extension that is greater than the fair market value of the dwelling is not tax deductible for Federal income tax purposes. The consumer should consult a tax advisor for further information regarding the deductibility of interest and charges.

$0 down payment eligibility may be available on VA home loans. Closing costs, title fees, and homeowner’s insurance apply.

By refinancing the consumer’s existing loan, the consumer’s total finance charges may be higher over the life of the loan.