Additional Assumptions. Offer applies to a first mortgage loan secured by owner-occupied, single-family primary residence. This offer assumes the borrower’s debt-to-income ratio (DTI) is below 43% and a loan-to-value (LTV) of LTV %. This offer assumes you have the required full documentation of income and assets, with a credit score of FICO. To qualify for these loan programs, you must be at least 18 years of age with a valid U.S. residency. Guidelines may vary for self- employed individuals. Formal approval will be subject to satisfactory verification of income, assets, credit, property condition and value. Due to changing market conditions, clients currently in process may not qualify for this offer. By refinancing your existing loan, the total finance charges may be higher over the life of the loan. Additional restrictions may apply. This is not a commitment to lend. To opt out of marketing materials visit [insert Opt-Out URL]. Insert Company Licensing Disclosure Exhibit B Weekly Mortgage Rates Email Don’t let the money you’ve invested in your home go to waste. View online TODAY’S RATES REFINANCE BUY A HOME CALCULATORS ABOUT US UPDATE: Your Weekly Mortgage Rate BODY COPY Get Started Online Chat Online Current Mortgage Rates 30-Year Fixed1 X.XX% X.XX%(APR) POINTS (COST OF POINTS) 15-Year Fixed2 X.XX% X.XX%(APR) POINTS (COST OF POINTS) FHA 30-Year Fixed3 X.XX% X.XX%(APR) POINTS (COST OF POINTS) Important Information 130-Year Fixed-Rate Mortgage: The interest rate is INT_RATE% (APR% APR) for the cost of POINTS point(s) ($COST_OF_POINTS) paid at closing. On a $LOAN_AMNT loan, you would make monthly payments of PAYMNT_AMNT. Payment stated doesn’t include taxes and insurance, which will result in a higher payment. Payment assumes a ▇.▇▇▇% loan-to-value (LTV). 215-Year Fixed-Rate Mortgage: The interest rate is INT_RATE% (APR% APR) for the cost of POINTS point(s) ($COST_OF_POINTS) paid at closing. On a $LOAN_AMNT loan, you would make monthly payments of PAYMNT_AMNT. Payment stated doesn’t include taxes and insurance, which will result in a higher payment. Payment assumes a ▇.▇▇▇% loan-to-value (LTV). 3FHA 30-Year Fixed Rate Mortgage: The interest rate is INT_RATE% (APR% APR) for the cost of POINTS point(s) ($COST_OF_POINTS) paid at closing. On a $LOAN_AMNT loan, you would make monthly payments of PAYMNT_AMNT. Payment stated doesn’t include taxes and insurance, which will result in a higher payment. Payment includes a one time upfront mortgage insurance premium at X.XX% of the base loan amount and a monthly mortgage insurance premium (MIP) calculated at X.XX% of the base loan amount. For mortgages with a loan-to-value (LTV) ratio of X.XX%, the X.XX% monthly MIP will be paid for the first XX years of the mortgage term. Thereafter, the monthly loan payment will consist of only principal and interest payments until the end of the loan. Some state and county maximum loan amount restrictions may apply. [INSERT CAN-SPAM OPT-OUT] [INSERT COMPANY LICENSING DISCLOSURE] The image below reflects the disclosures shown when a consumer clicks the hyperlink labeled “*Legal Disclosures” located directly below advertised rates on a mortgage lender's Mortgage Rates web page. These rates are current as of [Insert Time] PM UTC on [Insert Date].
Appears in 1 contract
Sources: Settlement Agreement
Additional Assumptions. Offer applies to a first mortgage loan secured by owner-occupied, single-family primary residence. This offer assumes the borrower’s debt-to-income ratio (DTI) is below 43% and a loan-to-value (LTV) of LTV %. This offer assumes you have the required full documentation of income and assets, with a credit score of FICO. To qualify for these loan programs, you must be at least 18 years of age with a valid U.S. residency. Guidelines may vary for self- employed individuals. Formal approval will be subject to satisfactory verification of income, assets, credit, property condition and value. Due to changing market conditions, clients currently in process may not qualify for this offer. By refinancing your existing loan, the total finance charges may be higher over the life of the loan. Additional restrictions may apply. This is not a commitment to lend. To opt out of marketing materials visit [insert Opt-Out URL]. Insert Company Licensing Disclosure Exhibit B Weekly Mortgage Rates Email Don’t let the money you’ve invested in your home go to waste. View online TODAY’S RATES REFINANCE BUY A HOME CALCULATORS ABOUT US UPDATE: Your Weekly Mortgage Rate BODY COPY Get Started Online Chat Online Current Mortgage Rates 30-Year Fixed1 X.XX% X.XX%(APR) POINTS (COST OF POINTS) 15-Year Fixed2 X.XX% X.XX%(APR) POINTS (COST OF POINTS) FHA 30-Year Fixed3 X.XX% X.XX%(APR) POINTS (COST OF POINTS) Important Information 130-Year Fixed-Rate Mortgage: The interest rate is INT_RATE% (APR% APR) for the cost of POINTS point(s) ($COST_OF_POINTS) paid at closing. On a $LOAN_AMNT loan, you would make monthly payments of PAYMNT_AMNT. Payment stated doesn’t include taxes and insurance, which will result in a higher payment. Payment assumes a ▇.▇▇▇% loan-to-value (LTV). 215-Year Fixed-Rate Mortgage: The interest rate is INT_RATE% (APR% APR) for the cost of POINTS point(s) ($COST_OF_POINTS) paid at closing. On a $LOAN_AMNT loan, you would make monthly payments of PAYMNT_AMNT. Payment stated doesn’t include taxes and insurance, which will result in a higher payment. Payment assumes a ▇.▇▇▇% loan-to-value (LTV). 3FHA 30-Year Fixed Rate Mortgage: The interest rate is INT_RATE% (APR% APR) for the cost of POINTS point(s) ($COST_OF_POINTS) paid at closing. On a $LOAN_AMNT loan, you would make monthly payments of PAYMNT_AMNT. Payment stated doesn’t include taxes and insurance, which will result in a higher payment. Payment includes a one time upfront mortgage insurance premium at X.XX% of the base loan amount and a monthly mortgage insurance premium (MIP) calculated at X.XX% of the base loan amount. For mortgages with a loan-to-value (LTV) ratio of X.XX%, the X.XX% monthly MIP will be paid for the first XX years of the mortgage term. Thereafter, the monthly loan payment will consist of only principal and interest payments until the end of the loan. Some state and county maximum loan amount restrictions may apply. [INSERT CAN-SPAM OPT-OUT] [INSERT COMPANY LICENSING DISCLOSURE] The image below reflects the disclosures shown when a consumer clicks the hyperlink labeled “*Legal Disclosures” located directly below advertised rates on a mortgage lender's Mortgage Rates web page. These rates are current as of [Insert Time] PM UTC on [Insert Date].
Appears in 1 contract
Sources: Settlement Agreement