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** information about rates quoted on this site

Adjustable-Rate Mortgage:The initial payment on a 30-year $200,000 5-year Adjustable-Rate Loan at 2.625% and 70% loan-to-value (LTV) is $803.31 with 1.625 points due at closing. The Annual Percentage Rate (APR) is 3.065%. After the initial 5 years, the principal and interest payment is $837.34. The fully indexed rate of 3.00% is in effect for the remaining 25 years and can change once every year for the remaining life of the loan. Payment does not include taxes and insurance premiums. The actual payment amount will be greater. Rate is variable and subject to change after 5 years.

30-Year Fixed-Rate Mortgage:The payment on a $200,000 30-year Fixed-Rate Loan at 3.99% and 70% loan-to-value (LTV) is $953.68 with 1.5 points due at closing. The Annual Percentage Rate (APR) is 4.187%. Payment does not include taxes and insurance premiums. The actual payment amount will be greater. Some state and county maximum loan amount restrictions may apply.

15-Year Fixed-Rate Mortgage: The payment on a $200,000 15-year Fixed-Rate Loan at 2.99% and 70% loan-to-value (LTV) is $1380.21 with 1.75 points due at closing. The Annual Percentage Rate (APR) is 3.369%. Payment does not include taxes and insurance premiums. The actual payment amount will be greater. Some state and county maximum loan amount restrictions may apply.

% of Down Payment:
30yr Fixed Conventional – Requires a 5% down payment
15yr Fixed Conventional – Requires a 5% down payment
30yr Fixed FHA – Requires a 3.5% down payment
30yr Fixed VA – Requires No down payment
30yr Conv. High Bal - 10% down payment
15yr Conv. High Bal - 10% down payment
30yr Fixed NonConv. Jumbo - 20% down payment
5yr Conventional ARM - 5% down payment
5yr Conv. High Bal – 10% down payment
30yr Fixed VA Jumbo- Requires No down payment
15yr Fixed VA - Requires No down payment
5yr ARM VA - Requires No down payment
15yr Fixed FHA- Requires a 3.5% down payment

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Equal Housing Opportunity Lender Better Business Bureau A+ Rating
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Pacific Home Loans, Inc. All Rights Reserved | Pacific Home Loans, Inc. is licensed by California Bureau of Real Estate Broker License #01912112, Arizona License #0931057, Pacific Home Loans, Inc., DBA Washington Mortgage Advisors is licensed by WA DFI License# CL-906167, VA License #MC-5741, HI License# 906167, MD License# 06-20669, DC Licensed# 06-20669, Pacific Home Loans, Inc., DBA Texan Lending & Gulfstream Mortgage Inc., NMLS#906167. www.nmlsconsumeraccess.org. Pacific Home Loans, Inc., is not affiliated with any government agency.
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© 2016 Pacific Home Loans, Inc. All Rights Reserved | Pacific Home Loans, Inc. is licensed by California Bureau of Real Estate Broker License #01912112, NMLS #906167, Pacific Home Loans, Inc., DBA Washington Mortgage Advisors is licensed by WA DFI License #CL-906167, VA License #MC-5741, MD License #20669, Pacific Home Loans, Inc., DBA Hawaiian Mortgage Advisors Lic #906167, NC License #L-164426, DC License #MLB906167, AZ License #0931057, ID #MBL-8911, OR License #ML-5453, Pacific Home Loans, Inc., AK License #AK906167, NV License #4454, PA License #57796, IL License #MB6761193, Pacific Home Loans, Inc., DBA Texan Lending & Gulfstream Mortgage Inc., NMLS #906167. CO NMLS #906167. Rates may change without notice or may not be available at the time of loan commitment or lock in. There is no substitute for a Loan Estimate. Pacific Home Loans, Inc. is not associated with, or acting on behalf of your current lender. Pacific Home Loans, Inc., is an approved VA Lender but not affiliated with any government agency. License information can also be seen at www.nmlsconsumeraccess.org.
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