Loan assumptions

__SELECTED_RATE_HOLDER__ Year Assumptions

Sample rate of __RATE_APR_HOLDER__ APR (annual percentage rate) based on the following assumptions:

• Based on a loan amount of LOAN_AMOUNT_FORMATTED and a down payment of __DOWN_PAYMENT_PERCENTAGE_HOLDER__
• __SELECTED_RATE_HOLDER__-year fixed rate
• __POINTS_HOLDER__ point(s) = __POINTS_PAYMENT_HOLDER__
• Location: Orange County, CA
• First Lien position
• __FICO_SCORE_HOLDER__ FICO score
• __DAY_RATE_LOCK_HOLDER__ day rate lock
• Primary residence
• __LTV_RATIO_HOLDER__ LTV ratio
• Debt-to-income ratio: 40%
• Property taxes: 1.14% of home price
• Homeowner insurance: 0.25% of the home price
• Private Mortgage Insurance:0.55% of the loan amount until Loan-to-Value < 80%

Advertised rates and APR effective as of __APR_EFFECTIVE_DATE_HOLDER__ and are subject to change.

Subject to underwriting guidelines and applicant’s credit profile. Sample payment does not include taxes, insurance or assessments. Not all applicants will be approved. The actual interest rate, APR and payment may vary based on the specific terms of the loan selected, verification of information, your credit history, the location and type of property, and other factors as determined by Lender. Contact Owning for more information and up to date rates.

Monthly Savings

Savings, if any, vary based on the consumer’s credit profile, interest rate availability, and other factors. Contact Owning for current rates. Restrictions apply.