Important Notices

• Rates, points and programs cannot be guaranteed. This is not an advertisement for credit as defined by paragraph 226.24 of regulation Z. Maximum Loan amount for a conforming loan is $417,000 . Jumbo is a loan amount in excess of $417,000 . Rates and APR's are based on amounts of $200,000 for Conforming Loans and $500,000 Jumbo Loans. Rates above are subject to loan size pricing adjustments. Other rate and point pricing adjustments may include some or all of the following: state, credit score, LTV, down payment, primary residence vs., non-owner occupied, second home, cash-out refinances, lock period, escrow waiver...etc.  As a result,  rates and points could be either higher or lower depending upon your loan request scenario. Always provide your Mortgages First Associates, LLC mortgage planner with as much information as possible for accurate pricing of your loan.

• Loans Fees for underwriting, document preparation, tax service, and flood cert are between $595-$895 depending on lender selected for your loan. The loan fees do not include appraisal. Appraisals are arranged on a C.O.D. basis only. The appraiser will collect the fee from you directly.
  
• The interest rates, annual percentage rate (APRs), points, and rebates shown are subject to change without notice. The fees listed above are estimates only and may change. A final itemization of fees will be provided at closing.

• Interest rates for refinances are for NO cash-out transactions. Use our rate request form , call  or email us for interest rates for CASH OUT refinance transactions.
  
  
• The monthly payment amount shown includes principal, interest, and mortgage insurance, if required. Your actual monthly payment will be higher if an escrow/impound account is established or required.
  
  
• Your APR will vary based on your final loan amount and finance charges.
  
  
• All rate quotes are based on the assumption of a 30-35 day lock on a single family primary residence with establishing an escrow account for taxes and homeowner's insurance. Your final rate will depend upon your unique credit history and type of loan you are trying to qualify for. In order to receive a final rate and closing cost quote, an application must be submitted and a Loan Officer from Mortgages First will email and call you with your final decision.
  
  
• A $99  retainer  fee is collected from you at time of application and will be applied toward the total closing costs associated with your loan and is credited back to you at closing.  Please be reminded that this fee is non-refundable if you do not close. There is no application fee for the prequalification application or the pre-approval short form application.