APR Disclaimer
 
 
Due to market fluctuations, interest rates are subject to change at any time and without notice.  The APR calculation is based on a loan amount of $300,000 for the refinance of a primary residence with 5 days of pre-paid interest, 1% origination fee plus points shown, and a 30 day lock for a veteran who is exempt from the va funding fee. Additional points may apply for loan amounts less than $300,000 and non-owner occupied properties. Fees do not include tax/insurance escrows,  title insurance, state tax/stamp fees, or recording fees. The APR shown for ARMs may be increased after consummation.