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Rate Assumptions:
30-Year Fixed-Rate Mortgage: The payment on a $200,000 30-year Fixed-Rate Loan at 4.625% and 70% loan-to-value (LTV) is $1028.28 with 1.875 points due at closing. The Annual Percentage Rate (APR) is 4.84%. 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.

Adjustable-Rate Mortgage: The payment on a 30-year $200,000 5-year Adjustable-Rate Loan at 3.125% and 70% loan-to-value (LTV) is $856.76 with 1.625 points due at closing. After 5 years, the principal and interest is $845.12. Payment does not include taxes and insurance premiums. The actual payment amount will be greater. The Annual Percentage Rate (APR) is 3.219%. Rate is variable.

FHA Loan: Rate is fixed. The payment on a $202,000, 30-year fixed rate loan at 4.625% and 70% loan-to-value (LTV) is $1122.74 with 1.75 Points due at closing. Payment includes a one time upfront mortgage insurance premium (MIP) at 1.0% of the base loan amount and a monthly MIP calculated at 0.90% of the base loan amount. The 0.90% monthly MIP will be paid until the loan reaches 78% LTV, provided the MIP has been paid for a minimum of 5 years. Thereafter, the monthly loan payment will consist of equal monthly principal and interest payments only until the end of the loan. 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. The Annual Percentage Rate (APR) is 5.768%.

FHA Adjustable-Rate Mortgage: The payment on a $202,000, 30-year FHA Adjustable-Rate Loan with a 3.125% rate and 3.715% APR, assuming 70% loan-to-value (LTV) is $865.32 with 2 points due at closing. After 5 years, the principal and interest is $788.93. Payment does not include taxes and insurance. Rate is variable and may increase after fixed rate period. Payment includes a one time upfront mortgage insurance premium (UFMIP) at 1.0% of the base loan amount and a monthly mortgage insurance premium (MIP) calculated at 0.90% of the base loan amount. The 0.90% monthly MIP will be paid until the loan reaches 78% LTV, provided the MIP has been paid for a minimum of 5 years. Thereafter, the monthly loan payment will consist of equal monthly principal and interest payments only until the end of the loan. Payment does not include taxes and insurance. Some state and county maximum loan amount restrictions may apply.