Advertising Rate Disclosures
Disclosure Assumptions - Current as of August 30, 2021 .
- The Interest rates quoted assume a $300K loan amount, $378K value (~80% LTV), Primary Single Family Residence (SFR 1 unit), Owner Occupied (O/O), with impounds (Escrow), 780 FICO score, 43 DTI (Debt-To-Income ratio), Alameda County, CA.
- The actual interest rate, APR, and payment may vary based on specific terms of the loan selected, verification of information, your credit history, the location and type of property and other factors.
- Not available in all states. Rates are subject to change daily without notice.
- Payment amounts shown do not include taxes or insurance.
15-year Fixed-Rate as low as 1.99% (2.155% APR)
- The advertised loan is a 15-year fixed-rate full amortizing loan, assuming a $300,000 loan amount and a 1.99 interest rate.
- This loan has 180 monthly principal and interest payments of $1,930. The disclosure APR is based on 0.692 discount points and $2,511 in additional prepaid finance charges due at closing.
- The Annual Percentage Rate (APR) is 2.155
30-year Fixed-Rate as low as 2.75% (2.84% APR)
- The advertised loan is a 30-year fixed-rate full amortizing loan, assuming a $300,000 loan amount and a 2.75 interest rate.
- This loan has 360 monthly principal and interest payments of $1,225. The disclosed APR is based on 1.129 discount points and $2,826 in additional prepaid finance charges due at closing.
- The Annual Percentage Rate (APR) is 2.84
15-year Fixed-Rate VA Loan as low as 1.875% (2.392% APR)
- The advertised loan is a 15-year fixed-rate full amortizing loan, assuming a $300,000 loan amount and a 1.875% interest rate.
- This loan has 180 monthly principal and interest payments of $1,956. The disclosure APR is based on 0.934 discount points and $3,141 in additional prepaid finance charges due at closing.
- The Annual Percentage Rate (APR) is 2.392%
30-year Fixed-Rate VA Loan as low as 2.25% (2.459% APR)
- The advertised loan is a 30-year fixed-rate full amortizing loan, assuming a $300,000 loan amount and a 2.25% interest rate.
- This loan has 360 monthly principal and interest payments of $1,173. The disclosed APR is based on 0.217 discount points and $667 in additional prepaid finance charges due at closing.
- The Annual Percentage Rate (APR) is 2.459%
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Terence C May in Milford, PA
On February 21, 2025Giovony was very straight forward and up front with everything. He lead us step by step and made every step clear. Very professional experience!!!
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On February 14, 2025It was a pleasure working working with Josh. No pressure. He was patient and thorough. This was a big decision for me and he made it a pleasant experience and I would highly recommend him for anyone considering a refinance with Mutual of Omaha
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Stephanie M Stenger in Cincinnati, OH
On December 02, 2024Joseph was AMAZING to work with. Took extra time to explain the loan and next steps thoroughly. I finally have relief with this refinancing and consolidation of my debt. Thank you for everything!
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On October 30, 2024Wow, over this journey we experienced exceptional service, communication, professionalism with compassion, guidance, responsiveness and more from Sylas. He is a true expert and we valued his subject matter expertise guiding us through the somewhat arduous proces. He was always upfront, honest and we have a great trust in him. From the very first conversation, his upbeat, sincerely caring manner, and professional knowledge stood out amongst others. Throughout this process we developed a trusting relationship with Sylas and will refer him to others. As part of our financial goals we look forward to working with him going forward. Sylas is an outstanding demonstration of expert knowledge, the best customer sevice, a true trusted advisor, and consistency in all that he does. Above all he is a good person and we are very grateful to have been connected with him in the beginning and to have walked this journey together.
Andrew Fisher in Mentor, OH
On October 13, 2024Mike was extremely communicative through all of this process. From the jump Mike and mutual set themselves apart on the market of lenders and it’s clear to see why. They take care of their people.
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On October 11, 2024Tony was Great to work with, awesome communication, no matter what day or time, he always managed to take my call if I needed anything.
