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The rate and APR assume a $200,000 Conforming, fixed rate loan at 80% loan-to-value for purchase of a single-family, owner-occupied property in Danbury, CT, 660+ credit score, and 45-day rate lock with no Discount Points. All loans subject to credit and property approval. Not all applications submitted may qualify and rates may vary based on the specific loan scenario. Terms and conditions may apply. These fixed-rate payments do not include taxes and insurance, total monthly obligation will be higher. Additional rates may apply for higher or lower loan amounts, loan purpose, credit score, or LTV.

The rate is fixed for 5 years, then adjusts every 12 months with a max 2% first adjustment, then a max of 1% every 12months, with a lifetime 6% cap on increases to a max rate of 11.25%. One Year Treasury Index, 2.75% Margin. Initial Interest Rate 5.25% / APR 6.727%. 60 principal and interest payments of $1104.41, Month 61-72 Interest Rate 7.25% principal and interest payments of $1332.12, Month 73-84 Interest Rate 8.250% principal and interest payments of $1449.96, Month 85-96 Interest Rate 9.25% principal and interest payments of $1568.79, Month 97-108 Interest Rate 10.25% principal and interest payments of $1688.16. Months 109 and after Interest Rate 11.25% principal and interest payments $1807.76.

The rate is fixed for 7 years, then adjusts every 12 months with a max 2% first adjustment, then a max of 1% every 12months, with a lifetime 6% cap on increases to a max rate of 11.375%. One Year Treasury Index, 2.75% Margin. Initial Interest Rate 5.375% / APR 6.555%. 84 principal and interest payments of $1119.94, Month 85-96 Interest Rate 7.375% principal and interest payments of $1335.18, Month 97-108 Interest Rate 8.375% principal and interest payments of $1445.97, Month 109-120 Interest Rate 9.375% principal and interest payments of $1557.19, Month 121-132 Interest Rate 10.375% principal and interest payments of $1668.44. Months 133 and after Interest Rate 11.375% principal and interest payments $1779.35.

The rate and APR assume a $200,000 Conforming, fixed rate loan at 80% loan-to-value for purchase of a single-family, owner-occupied property in Danbury, CT, 660+ credit score, and 45-day rate lock with no Discount Points. All loans subject to credit and property approval. Not all applications submitted may qualify and rates may vary based on the specific loan scenario. Terms and conditions may apply. These fixed-rate payments do not include taxes and insurance, total monthly obligation will be higher. Additional rates may apply for higher or lower loan amounts, loan purpose, credit score, or LTV.