Mortgage financing, made clear.

Sample rates reflect a 780+ FICO, 70% LTV rate-and-term refinance on an owner-occupied single-family home and a 30-day sample lock. Representative loan amounts are $832,750 for conforming, $1,000,000 for high-balance, and $1,500,000 for jumbo. The 1.0% lender-paid broker compensation and scenario adjustments are already included in the displayed sheet-adjusted price; they are not added again as a separate borrower charge. Near-par is the available row closest to 100.000 after those adjustments. The lower-rate choice targets 1.500 discount points, and the table shows the actual available points and dollar cost. APR includes the displayed pricing cost or discount points. It excludes bona fide third-party real-estate fees, prepaid interest, property taxes, homeowners insurance, mortgage insurance, and escrow deposits. Monthly payment is principal and interest only, so the actual payment may be higher. APOR is the official FFIEC/CFPB benchmark for the comparable term and displayed rate-set date; it is not an offered rate or a final higher-priced mortgage-loan determination. Adjustable rates and payments may increase after the initial fixed period. Your actual rate, APR, cost, credit, and payment will vary by loan amount, credit score, LTV, property type, county, occupancy, purpose, and market conditions. Rates may change without notice and are not locked. Not a commitment to lend; subject to underwriting and credit approval.