Terms and Conditions
Onpoint Mortgage Pro is licensed by the CA DFPI * CO DRE * FL OFR * ID DOF * MD OFR * NH SBD * SC DCA * TX SML * VA BFI. NMLS: 2134550.
Rates and pricing displayed are based on the following loan parameters. All origination charges and lender fees are waived for this specific offer; however, borrowers remain responsible for third-party closing costs (e.g., title, appraisal, taxes) unless a lender credit is applied to offset them. Rates are subject to change without notice and are not guaranteed until locked. This is not a commitment to lend.”
Conventional: Loan of $400,000, 60% LTV, Primary Residence, Single Family Detached, 740 FICO, CA
Disclosed rate assumes a rate and term refinance of an owner-occupied single-family residence in California with a loan amount $400,000, minimum 740 FICO score, 60% loan to value with no subordinate debt, and establishment of an escrow account for payment of taxes and insurance. If these factors are not met, you may still qualify for a loan, but higher interest rates and closing costs may apply. Sample payment does not include taxes, insurance or assessments. Your actual payment obligation may be higher. Not all applicants will be approved. Advertised rate and APR are subject to change without notice. By refinancing the existing loan, the total finance charges may be higher over the life of the loan. Subject to underwriting approval.
FHA Streamline: Loan of $400,000, 95% LTV, Primary Residence, Single Family Detached, 660 FICO, CA
Disclosed rate assumes a rate and term refinance of an owner-occupied single-family residence in California with a loan amount $400,000, minimum 660 FICO score, 95% loan to value with no subordinate debt, and establishment of an escrow account for payment of taxes and insurance. FHA Loans are subject to UFMIP of 1.75% less any applicable FHA refund. If these factors are not met, you may still qualify for a loan, but higher interest rates and closing costs may apply. Sample payment does not include taxes, insurance, or assessments. Your actual payment obligation may be higher. Not all applicants will be approved. Advertised rate and APR are subject to change without notice. By refinancing the existing loan, the total finance charges may be higher over the life of the loan. Subject to underwriting approval.
VA IRRRL Interest Rate Reduction Refinance Loan: Loan of $400,000, 90% LTV, Primary Residence, Single Family Detached, 680 FICO, CA
Disclosed rate assumes a rate and term refinance of an owner-occupied single-family residence in California with a loan amount $400,000, minimum 660 FICO score, 95% loan to value with no subordinate debt, and establishment of an escrow account for payment of taxes and insurance. VA loans are subject to VA Funding Fee of 0.5% and may be waived with VA disability rating of 10% or more. If these factors are not met, you may still qualify for a loan, but higher interest rates and closing costs may apply. Sample payment does not include taxes, insurance, or assessments. Your actual payment obligation may be higher. Not all applicants will be approved. Advertised rate and APR are subject to change without notice. By refinancing the existing loan, the total finance charges may be higher over the life of the loan. Subject to underwriting approval.
(CALIFORNIA, COLORADO, IDAHO, FLORIDA, MARYLAND, NEW HAMPSHIRE, SOUTH CAROLINA, TEXAS, VIRGINIA PROPERTIES ONLY)
Email: info@onpointmortgagepro.com
As the market fluctuates multiple times each day all quoted rates are subject to change. Onpoint Mortgage Pro is committed to offering its customers the most competitive rates and fees while keeping a high level of customer care.