SoFi Blog

Step and Repeat

I didn’t like history as a teenager, which was ironic because my dad was a high school history teacher. I didn’t see the allure in learning about a bunch of old wars or fallen empires. Shouldn’t we focus on the empires that were still standing? Or the wars that are happening now?

Then I entered the world of finance and realized that history is often our best teacher. Investors tend to refer to history for warnings of where the next threat could be hiding, but in the case of this rally, perhaps we should look to history for indications of how long it could last.

We’ve all heard stats on the current extended state of the market: Valuations on the S&P are in the 95th percentile, the Buffett indicator is at all-time highs, technology spending as a % of GDP is above that of the dot-com bubble, and the list goes on. However, as the famous quote goes, “Bull markets don’t die of old age.” That’s not where the quote ends, but we’ll get to the rest of it later.

The most natural historical comparison we can make is to the internet era of the 1990s, when hype was building and investors believed the world would never be the same. Markets were right, the world would change dramatically because of the internet, it just took longer than we expected and stocks went through a rationalization phase before we understood the full story.

The big questions are: Will the AI era follow a similar path? If so, where are we on that timeline right now?

Starting with a simple comparison of the S&P 500 then and now, we see some fascinating parallels. In the chart below, light blue is the internet era and dark blue is the present. Both time periods begin in the year when the Fed started a rate hike cycle in response to a strong or overheating economy. And in both periods, markets stumbled a bit as investors digested more hawkish monetary policy.

S&P 500: Then and Now

So far, the paths look pretty darn similar, even including the drawdowns that occurred in April 1997 and April of this year. The clearest takeaway here is if the two cycles do end up resembling each other, we’ve still got some runway before this market rally loses steam.

On a historical chart like this, it’s easy to look at the whole period as a relatively smooth bull market, but living it day-to-day probably didn’t feel that way, especially during those intermittent periods of pullbacks. For example, a quick search for “market headlines in 1998” brought this up from the New York Times: “Sell-Off Pushes Index Below 7,600 And Wipes Out All Gains for 1998: Dow Drops 500 in Market Frenzy.” Investors weren’t feeling very confident in the rally at that point, but the market continued to rise another 60% until it topped in early 2000.

Every pullback in the midst of these long rallies feels like it might be the one that ends it, but it’s not over till it’s over.

Cue the Fed

Technology isn’t the only market story in these scenarios though, the Fed is another major player in both periods. Last week’s rate cut can be considered an “adjustment cut,” meaning Fed officials cut rates because they could, not because they had to. There is no crisis, the economy isn’t contracting. The message is that things are slowing down and it’s appropriate to move the fed funds rate closer to neutral.

The story was the same in 1995 when Fed cuts began and progressed in a slow and careful fashion. There was even a long pause in the cuts (perhaps similar to the pause we just experienced from December 2024 until September 2025). During the cuts and the pauses from 1995 through mid-1999, the market continued to rally. Sound familiar?

More interestingly, the Fed started hiking rates again in 1999, taking the fed funds rate from an upper bound of 5.0% to 6.5% by May 2000… and the market still kept rallying!

The Internet Era

This made us curious about how similar the sector composition looked then versus now. We know that in both instances, technology stocks were/are the darlings. We also know that technology companies didn’t have nearly the size and scale in the 90s that they do today. But the data tracking the growth of tech over both periods is remarkable.

Tech went from 6% of the index before the internet boom to 35% of the index at the 2000 top, largely because many new tech companies were added to the S&P 500 as they grew. That’s growth so large I almost can’t wrap my head around it. In the current period, tech stocks were already at 27% of the index before AI became the theme du jour, and the sector has grown to be 34% of the index today. If we add in the four Mag 7 stocks that aren’t in the tech sector (Alphabet, Amazon, Meta, Tesla), that percentage moves to 49%. Staggering? Yes. Over? Perhaps not.

Interestingly, although we talk about the dot-com period being solely driven by tech stocks, the proportion of returns tells a different story. Tech as a sector only accounted for roughly 24% of the S&P 500’s total return during that period, while in the AI era, tech stocks account for more than half of the S&P’s total return. Today’s market is more concentrated than the one of the 90s by this metric, which can present more risk, but also more opportunity for other sectors to step into the limelight if the economy remains solid.

Contributions to S&P 500 Total Returns

Here’s where the rest of that famous quote comes in: “Bull markets don’t die of old age, but rather they’re killed by the Federal Reserve.”

We can see in the chart of the internet era above that although markets rallied through the Fed hikes in 1999 and 2000, things took a turn for the worse shortly afterward. To be fair, the Fed wasn’t the full or even the main reason stocks fell sharply starting in 2000. The backdrop was that of a major speculative bubble in tech stocks, and the beginning of investors withdrawing capital. But paired with said speculative bubble was an economy that looked to be overheating as the exuberance drove inflation concerns and wage pressures.

The Fed is responsible for maintaining stable prices and maximum employment. Often, their dual mandate rings alarm bells that coincide with periods of sharp increases or decreases in financial markets — It’s all related.

I am a firm believer in the business cycle, and a firm opponent of a “this time is different” mentality. But even with those principles intact, the parallels between then and now suggest that this rally, the AI hype, and economic strength may still be relatively young. It also suggests that Fed rate hikes may not be the kryptonite we’ve made them out to be… at least not right away.

We won’t know how this all shakes out until it’s over, but for now, it’s hard to envision it stopping in the near- or medium-term. Sometimes all-time highs just continue begetting more all-time highs. Be prudently present for that possibility.

Want more insights from Liz? The Important Part: Investing With Liz Thomas, a podcast from SoFi, takes listeners through today’s top-of-mind themes in investing and breaks them down into digestible and actionable pieces.

SoFi can’t guarantee future financial performance, and past performance is no indication of future success. This information isn’t financial advice. Investment decisions should be based on specific financial needs, goals and risk appetite.

Communication of SoFi Wealth LLC an SEC Registered Investment Adviser. Information about SoFi Wealth’s advisory operations, services, and fees is set forth in SoFi Wealth’s current Form ADV Part 2 (Brochure), a copy of which is available upon request and at www.adviserinfo.sec.gov. Liz Thomas is a Registered Representative of SoFi Securities and Investment Advisor Representative of SoFi Wealth. Form ADV 2A is available at www.sofi.com/legal/adv.

OTM2025092402

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st_of_discount_points":"5676.16","offer_15_years_total_fee_amount":"5792.20","offer_15_years_property_value":"452500.00","offer_15_years_loan_amount":"362000.00","offer_15_years_upfront_mortgage_insurance":"0.00","offer_10_years_principal_and_interest":"3862.00","offer_10_years_rate":"5.125","offer_10_years_apr":"5.670","offer_10_years_discount_points":"1.566","offer_10_years_cost_of_discount_points":"5668.92","offer_10_years_total_fee_amount":"5792.20","offer_10_years_property_value":"452500.00","offer_10_years_loan_amount":"362000.00","offer_10_years_upfront_mortgage_insurance":"0.00","offer_26_years_principal_and_interest":"2293.91","offer_26_years_rate":"6.000","offer_26_years_apr":"6.249","offer_26_years_discount_points":"1.482","offer_26_years_cost_of_discount_points":"5364.84","offer_26_years_total_fee_amount":"5792.20","offer_26_years_property_value":"452500.00","offer_26_years_loan_amount":"362000.00","offer_26_years_upfront_mortgage_insurance":"0.00","offer_27_years_principal_and_interest":"2258.83","offer_27_years_rate":"6.000","offer_27_years_apr":"6.242","offer_27_years_discount_points":"1.482","offer_27_years_cost_of_discount_points":"5364.84","offer_27_years_total_fee_amount":"5792.20","offer_27_years_property_value":"452500.00","offer_27_years_loan_amount":"362000.00","offer_27_years_upfront_mortgage_insurance":"0.00","offer_28_years_principal_and_interest":"2226.75","offer_28_years_rate":"6.000","offer_28_years_apr":"6.237","offer_28_years_discount_points":"1.482","offer_28_years_cost_of_discount_points":"5364.84","offer_28_years_total_fee_amount":"5792.20","offer_28_years_property_value":"452500.00","offer_28_years_loan_amount":"362000.00","offer_28_years_upfront_mortgage_insurance":"0.00","offer_29_years_principal_and_interest":"2197.36","offer_29_years_rate":"6.000","offer_29_years_apr":"6.231","offer_29_years_discount_points":"1.482","offer_29_years_cost_of_discount_points":"5364.84","offer_29_years_total_fee_amount":"5792.20","offer_29_years_property_value":"452500.00","offer_29_years_loan_amount":"362000.00","offer_29_years_upfront_mortgage_insurance":"0.00","offer_5/6_arm_principal_and_interest":"2084.00","offer_5/6_arm_rate":"5.625","offer_5/6_arm_apr":"6.488","offer_5/6_arm_discount_points":"1.462","offer_5/6_arm_cost_of_discount_points":"5292.44","offer_5/6_arm_total_fee_amount":"5792.20","offer_5/6_arm_property_value":"452500.00","offer_5/6_arm_loan_amount":"362000.00","offer_5/6_arm_upfront_mortgage_insurance":"0.00","offer_7/6_arm_principal_and_interest":"2113.00","offer_7/6_arm_rate":"5.750","offer_7/6_arm_apr":"6.422","offer_7/6_arm_discount_points":"1.411","offer_7/6_arm_cost_of_discount_points":"5107.82","offer_7/6_arm_total_fee_amount":"5792.20","offer_7/6_arm_property_value":"452500.00","offer_7/6_arm_loan_amount":"362000.00","offer_7/6_arm_upfront_mortgage_insurance":"0.00","offer_10/6_arm_principal_and_interest":"2113.00","offer_10/6_arm_rate":"5.750","offer_10/6_arm_apr":"6.305","offer_10/6_arm_discount_points":"1.605","offer_10/6_arm_cost_of_discount_points":"5810.10","offer_10/6_arm_total_fee_amount":"5792.20","offer_10/6_arm_property_value":"452500.00","offer_10/6_arm_loan_amount":"362000.00","offer_10/6_arm_upfront_mortgage_insurance":"0.00","as_of_date":"2025-12-17"}.offer_10_years_apr}%`}%. No prepayment penalty. Payment shown does not include taxes and insurance. The actual payment amount will be greater. Interest rates and annual percentage rates (APRs) are for informational purposes only and are subject to change without notice.

⁶ 15-YEAR Payment Example: The payment for a 15-year term, loan amount $362000.00, Rate {`${{"offer_30_year_fixed_fha_principal_and_interest":"2063.00","offer_30_year_fixed_fha_rate":"5.375","offer_30_year_fixed_fha_apr":"6.092","offer_30_year_fixed_fha_discount_points":"1.320","offer_30_year_fixed_fha_cost_of_discount_points":"4778.40","offer_30_year_fixed_fha_total_fee_amount":"5792.20","offer_30_year_fixed_fha_property_value":"452500.00","offer_30_year_fixed_fha_loan_amount":"362000.00","offer_30_year_fixed_fha_upfront_mortgage_insurance":"6335.00","offer_20_year_fixed_fha_principal_and_interest":"2508.00","offer_20_year_fixed_fha_rate":"5.375","offer_20_year_fixed_fha_apr":"6.315","offer_20_year_fixed_fha_discount_points":"1.505","offer_20_year_fixed_fha_cost_of_discount_points":"5448.10","offer_20_year_fixed_fha_total_fee_amount":"5792.20","offer_20_year_fixed_fha_property_value":"452500.00","offer_20_year_fixed_fha_loan_amount":"362000.00","offer_20_year_fixed_fha_upfront_mortgage_insurance":"6335.00","offer_15_year_fixed_fha_principal_and_interest":"2913.00","offer_15_year_fixed_fha_rate":"5.000","offer_15_year_fixed_fha_apr":"5.772","offer_15_year_fixed_fha_discount_points":"1.446","offer_15_year_fixed_fha_cost_of_discount_points":"5234.52","offer_15_year_fixed_fha_total_fee_amount":"5792.20","offer_15_year_fixed_fha_property_value":"452500.00","offer_15_year_fixed_fha_loan_amount":"362000.00","offer_15_year_fixed_fha_upfront_mortgage_insurance":"6335.00","offer_10_year_fixed_fha_principal_and_interest":"3907.00","offer_10_year_fixed_fha_rate":"5.000","offer_10_year_fixed_fha_apr":"6.050","offer_10_year_fixed_fha_discount_points":"1.446","offer_10_year_fixed_fha_cost_of_discount_points":"5234.52","offer_10_year_fixed_fha_total_fee_amount":"5792.20","offer_10_year_fixed_fha_property_value":"452500.00","offer_10_year_fixed_fha_loan_amount":"362000.00","offer_10_year_fixed_fha_upfront_mortgage_insurance":"6335.00","offer_30_year_fixed_va_principal_and_interest":"2024.00","offer_30_year_fixed_va_rate":"5.250","offer_30_year_fixed_va_apr":"5.548","offer_30_year_fixed_va_discount_points":"1.568","offer_30_year_fixed_va_cost_of_discount_points":"5676.16","offer_30_year_fixed_va_total_fee_amount":"4297.20","offer_30_year_fixed_va_property_value":"452500.00","offer_30_year_fixed_va_loan_amount":"362000.00","offer_30_year_fixed_va_upfront_mortgage_insurance":"4525.00","offer_20_year_fixed_va_principal_and_interest":"2470.00","offer_20_year_fixed_va_rate":"5.250","offer_20_year_fixed_va_apr":"5.666","offer_20_year_fixed_va_discount_points":"1.672","offer_20_year_fixed_va_cost_of_discount_points":"6052.64","offer_20_year_fixed_va_total_fee_amount":"4297.20","offer_20_year_fixed_va_property_value":"452500.00","offer_20_year_fixed_va_loan_amount":"362000.00","offer_20_year_fixed_va_upfront_mortgage_insurance":"4525.00","offer_15_year_fixed_va_principal_and_interest":"2875.00","offer_15_year_fixed_va_rate":"4.875","offer_15_year_fixed_va_apr":"5.377","offer_15_year_fixed_va_discount_points":"1.544","offer_15_year_fixed_va_cost_of_discount_points":"5589.28","offer_15_year_fixed_va_total_fee_amount":"4297.20","offer_15_year_fixed_va_property_value":"452500.00","offer_15_year_fixed_va_loan_amount":"362000.00","offer_15_year_fixed_va_upfront_mortgage_insurance":"4525.00","offer_10_year_fixed_va_principal_and_interest":"3865.00","offer_10_year_fixed_va_rate":"4.875","offer_10_year_fixed_va_apr":"5.592","offer_10_year_fixed_va_discount_points":"1.544","offer_10_year_fixed_va_cost_of_discount_points":"5589.28","offer_10_year_fixed_va_total_fee_amount":"4297.20","offer_10_year_fixed_va_property_value":"452500.00","offer_10_year_fixed_va_loan_amount":"362000.00","offer_10_year_fixed_va_upfront_mortgage_insurance":"4525.00","offer_30_years_principal_and_interest":"2170.00","offer_30_years_rate":"6.000","offer_30_years_apr":"6.226","offer_30_years_discount_points":"1.482","offer_30_years_cost_of_discount_points":"5364.84","offer_30_years_total_fee_amount":"5792.20","offer_30_years_property_value":"452500.00","offer_30_years_loan_amount":"362000.00","offer_30_years_upfront_mortgage_insurance":"0.00","offer_25_years_principal_and_interest":"2332.00","offer_25_years_rate":"6.000","offer_25_years_apr":"6.262","offer_25_years_discount_points":"1.538","offer_25_years_cost_of_discount_points":"5567.56","offer_25_years_total_fee_amount":"5792.20","offer_25_years_property_value":"452500.00","offer_25_years_loan_amount":"362000.00","offer_25_years_upfront_mortgage_insurance":"0.00","offer_20_years_principal_and_interest":"2567.00","offer_20_years_rate":"5.875","offer_20_years_apr":"6.154","offer_20_years_discount_points":"1.324","offer_20_years_cost_of_discount_points":"4792.88","offer_20_years_total_fee_amount":"5792.20","offer_20_years_property_value":"452500.00","offer_20_years_loan_amount":"362000.00","offer_20_years_upfront_mortgage_insurance":"0.00","offer_15_years_principal_and_interest":"2886.00","offer_15_years_rate":"5.125","offer_15_years_apr":"5.507","offer_15_years_discount_points":"1.568","offer_15_years_cost_of_discount_points":"5676.16","offer_15_years_total_fee_amount":"5792.20","offer_15_years_property_value":"452500.00","offer_15_years_loan_amount":"362000.00","offer_15_years_upfront_mortgage_insurance":"0.00","offer_10_years_principal_and_interest":"3862.00","offer_10_years_rate":"5.125","offer_10_years_apr":"5.670","offer_10_years_discount_points":"1.566","offer_10_years_cost_of_discount_points":"5668.92","offer_10_years_total_fee_amount":"5792.20","offer_10_years_property_value":"452500.00","offer_10_years_loan_amount":"362000.00","offer_10_years_upfront_mortgage_insurance":"0.00","offer_26_years_principal_and_interest":"2293.91","offer_26_years_rate":"6.000","offer_26_years_apr":"6.249","offer_26_years_discount_points":"1.482","offer_26_years_cost_of_discount_points":"5364.84","offer_26_years_total_fee_amount":"5792.20","offer_26_years_property_value":"452500.00","offer_26_years_loan_amount":"362000.00","offer_26_years_upfront_mortgage_insurance":"0.00","offer_27_years_principal_and_interest":"2258.83","offer_27_years_rate":"6.000","offer_27_years_apr":"6.242","offer_27_years_discount_points":"1.482","offer_27_years_cost_of_discount_points":"5364.84","offer_27_years_total_fee_amount":"5792.20","offer_27_years_property_value":"452500.00","offer_27_years_loan_amount":"362000.00","offer_27_years_upfront_mortgage_insurance":"0.00","offer_28_years_principal_and_interest":"2226.75","offer_28_years_rate":"6.000","offer_28_years_apr":"6.237","offer_28_years_discount_points":"1.482","offer_28_years_cost_of_discount_points":"5364.84","offer_28_years_total_fee_amount":"5792.20","offer_28_years_property_value":"452500.00","offer_28_years_loan_amount":"362000.00","offer_28_years_upfront_mortgage_insurance":"0.00","offer_29_years_principal_and_interest":"2197.36","offer_29_years_rate":"6.000","offer_29_years_apr":"6.231","offer_29_years_discount_points":"1.482","offer_29_years_cost_of_discount_points":"5364.84","offer_29_years_total_fee_amount":"5792.20","offer_29_years_property_value":"452500.00","offer_29_years_loan_amount":"362000.00","offer_29_years_upfront_mortgage_insurance":"0.00","offer_5/6_arm_principal_and_interest":"2084.00","offer_5/6_arm_rate":"5.625","offer_5/6_arm_apr":"6.488","offer_5/6_arm_discount_points":"1.462","offer_5/6_arm_cost_of_discount_points":"5292.44","offer_5/6_arm_total_fee_amount":"5792.20","offer_5/6_arm_property_value":"452500.00","offer_5/6_arm_loan_amount":"362000.00","offer_5/6_arm_upfront_mortgage_insurance":"0.00","offer_7/6_arm_principal_and_interest":"2113.00","offer_7/6_arm_rate":"5.750","offer_7/6_arm_apr":"6.422","offer_7/6_arm_discount_points":"1.411","offer_7/6_arm_cost_of_discount_points":"5107.82","offer_7/6_arm_total_fee_amount":"5792.20","offer_7/6_arm_property_value":"452500.00","offer_7/6_arm_loan_amount":"362000.00","offer_7/6_arm_upfront_mortgage_insurance":"0.00","offer_10/6_arm_principal_and_interest":"2113.00","offer_10/6_arm_rate":"5.750","offer_10/6_arm_apr":"6.305","offer_10/6_arm_discount_points":"1.605","offer_10/6_arm_cost_of_discount_points":"5810.10","offer_10/6_arm_total_fee_amount":"5792.20","offer_10/6_arm_property_value":"452500.00","offer_10/6_arm_loan_amount":"362000.00","offer_10/6_arm_upfront_mortgage_insurance":"0.00","as_of_date":"2025-12-17"}.offer_15_years_rate}%`}, LTV 80% is $2886.00 for full Principal and Interest Payments with $5676.16 due at closing. The Annual Percentage Rate is 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st_of_discount_points":"5676.16","offer_15_years_total_fee_amount":"5792.20","offer_15_years_property_value":"452500.00","offer_15_years_loan_amount":"362000.00","offer_15_years_upfront_mortgage_insurance":"0.00","offer_10_years_principal_and_interest":"3862.00","offer_10_years_rate":"5.125","offer_10_years_apr":"5.670","offer_10_years_discount_points":"1.566","offer_10_years_cost_of_discount_points":"5668.92","offer_10_years_total_fee_amount":"5792.20","offer_10_years_property_value":"452500.00","offer_10_years_loan_amount":"362000.00","offer_10_years_upfront_mortgage_insurance":"0.00","offer_26_years_principal_and_interest":"2293.91","offer_26_years_rate":"6.000","offer_26_years_apr":"6.249","offer_26_years_discount_points":"1.482","offer_26_years_cost_of_discount_points":"5364.84","offer_26_years_total_fee_amount":"5792.20","offer_26_years_property_value":"452500.00","offer_26_years_loan_amount":"362000.00","offer_26_years_upfront_mortgage_insurance":"0.00","offer_27_years_principal_and_interest":"2258.83","offer_27_years_rate":"6.000","offer_27_years_apr":"6.242","offer_27_years_discount_points":"1.482","offer_27_years_cost_of_discount_points":"5364.84","offer_27_years_total_fee_amount":"5792.20","offer_27_years_property_value":"452500.00","offer_27_years_loan_amount":"362000.00","offer_27_years_upfront_mortgage_insurance":"0.00","offer_28_years_principal_and_interest":"2226.75","offer_28_years_rate":"6.000","offer_28_years_apr":"6.237","offer_28_years_discount_points":"1.482","offer_28_years_cost_of_discount_points":"5364.84","offer_28_years_total_fee_amount":"5792.20","offer_28_years_property_value":"452500.00","offer_28_years_loan_amount":"362000.00","offer_28_years_upfront_mortgage_insurance":"0.00","offer_29_years_principal_and_interest":"2197.36","offer_29_years_rate":"6.000","offer_29_years_apr":"6.231","offer_29_years_discount_points":"1.482","offer_29_years_cost_of_discount_points":"5364.84","offer_29_years_total_fee_amount":"5792.20","offer_29_years_property_value":"452500.00","offer_29_years_loan_amount":"362000.00","offer_29_years_upfront_mortgage_insurance":"0.00","offer_5/6_arm_principal_and_interest":"2084.00","offer_5/6_arm_rate":"5.625","offer_5/6_arm_apr":"6.488","offer_5/6_arm_discount_points":"1.462","offer_5/6_arm_cost_of_discount_points":"5292.44","offer_5/6_arm_total_fee_amount":"5792.20","offer_5/6_arm_property_value":"452500.00","offer_5/6_arm_loan_amount":"362000.00","offer_5/6_arm_upfront_mortgage_insurance":"0.00","offer_7/6_arm_principal_and_interest":"2113.00","offer_7/6_arm_rate":"5.750","offer_7/6_arm_apr":"6.422","offer_7/6_arm_discount_points":"1.411","offer_7/6_arm_cost_of_discount_points":"5107.82","offer_7/6_arm_total_fee_amount":"5792.20","offer_7/6_arm_property_value":"452500.00","offer_7/6_arm_loan_amount":"362000.00","offer_7/6_arm_upfront_mortgage_insurance":"0.00","offer_10/6_arm_principal_and_interest":"2113.00","offer_10/6_arm_rate":"5.750","offer_10/6_arm_apr":"6.305","offer_10/6_arm_discount_points":"1.605","offer_10/6_arm_cost_of_discount_points":"5810.10","offer_10/6_arm_total_fee_amount":"5792.20","offer_10/6_arm_property_value":"452500.00","offer_10/6_arm_loan_amount":"362000.00","offer_10/6_arm_upfront_mortgage_insurance":"0.00","as_of_date":"2025-12-17"}.offer_20_years_apr}%`}. No prepayment penalty. Payment shown does not include taxes and insurance. The actual payment amount will be greater. Interest rates and annual percentage rates (APRs) are for informational purposes only and are subject to change without notice.

⁷ 20-YEAR Payment Example: The payment for a 20-year term, loan amount $362000.00, Rate {`${{"offer_30_year_fixed_fha_principal_and_interest":"2063.00","offer_30_year_fixed_fha_rate":"5.375","offer_30_year_fixed_fha_apr":"6.092","offer_30_year_fixed_fha_discount_points":"1.320","offer_30_year_fixed_fha_cost_of_discount_points":"4778.40","offer_30_year_fixed_fha_total_fee_amount":"5792.20","offer_30_year_fixed_fha_property_value":"452500.00","offer_30_year_fixed_fha_loan_amount":"362000.00","offer_30_year_fixed_fha_upfront_mortgage_insurance":"6335.00","offer_20_year_fixed_fha_principal_and_interest":"2508.00","offer_20_year_fixed_fha_rate":"5.375","offer_20_year_fixed_fha_apr":"6.315","offer_20_year_fixed_fha_discount_points":"1.505","offer_20_year_fixed_fha_cost_of_discount_points":"5448.10","offer_20_year_fixed_fha_total_fee_amount":"5792.20","offer_20_year_fixed_fha_property_value":"452500.00","offer_20_year_fixed_fha_loan_amount":"362000.00","offer_20_year_fixed_fha_upfront_mortgage_insurance":"6335.00","offer_15_year_fixed_fha_principal_and_interest":"2913.00","offer_15_year_fixed_fha_rate":"5.000","offer_15_year_fixed_fha_apr":"5.772","offer_15_year_fixed_fha_discount_points":"1.446","offer_15_year_fixed_fha_cost_of_discount_points":"5234.52","offer_15_year_fixed_fha_total_fee_amount":"5792.20","offer_15_year_fixed_fha_property_value":"452500.00","offer_15_year_fixed_fha_loan_amount":"362000.00","offer_15_year_fixed_fha_upfront_mortgage_insurance":"6335.00","offer_10_year_fixed_fha_principal_and_interest":"3907.00","offer_10_year_fixed_fha_rate":"5.000","offer_10_year_fixed_fha_apr":"6.050","offer_10_year_fixed_fha_discount_points":"1.446","offer_10_year_fixed_fha_cost_of_discount_points":"5234.52","offer_10_year_fixed_fha_total_fee_amount":"5792.20","offer_10_year_fixed_fha_property_value":"452500.00","offer_10_year_fixed_fha_loan_amount":"362000.00","offer_10_year_fixed_fha_upfront_mortgage_insurance":"6335.00","offer_30_year_fixed_va_principal_and_interest":"2024.00","offer_30_year_fixed_va_rate":"5.250","offer_30_year_fixed_va_apr":"5.548","offer_30_year_fixed_va_discount_points":"1.568","offer_30_year_fixed_va_cost_of_discount_points":"5676.16","offer_30_year_fixed_va_total_fee_amount":"4297.20","offer_30_year_fixed_va_property_value":"452500.00","offer_30_year_fixed_va_loan_amount":"362000.00","offer_30_year_fixed_va_upfront_mortgage_insurance":"4525.00","offer_20_year_fixed_va_principal_and_interest":"2470.00","offer_20_year_fixed_va_rate":"5.250","offer_20_year_fixed_va_apr":"5.666","offer_20_year_fixed_va_discount_points":"1.672","offer_20_year_fixed_va_cost_of_discount_points":"6052.64","offer_20_year_fixed_va_total_fee_amount":"4297.20","offer_20_year_fixed_va_property_value":"452500.00","offer_20_year_fixed_va_loan_amount":"362000.00","offer_20_year_fixed_va_upfront_mortgage_insurance":"4525.00","offer_15_year_fixed_va_principal_and_interest":"2875.00","offer_15_year_fixed_va_rate":"4.875","offer_15_year_fixed_va_apr":"5.377","offer_15_year_fixed_va_discount_points":"1.544","offer_15_year_fixed_va_cost_of_discount_points":"5589.28","offer_15_year_fixed_va_total_fee_amount":"4297.20","offer_15_year_fixed_va_property_value":"452500.00","offer_15_year_fixed_va_loan_amount":"362000.00","offer_15_year_fixed_va_upfront_mortgage_insurance":"4525.00","offer_10_year_fixed_va_principal_and_interest":"3865.00","offer_10_year_fixed_va_rate":"4.875","offer_10_year_fixed_va_apr":"5.592","offer_10_year_fixed_va_discount_points":"1.544","offer_10_year_fixed_va_cost_of_discount_points":"5589.28","offer_10_year_fixed_va_total_fee_amount":"4297.20","offer_10_year_fixed_va_property_value":"452500.00","offer_10_year_fixed_va_loan_amount":"362000.00","offer_10_year_fixed_va_upfront_mortgage_insurance":"4525.00","offer_30_years_principal_and_interest":"2170.00","offer_30_years_rate":"6.000","offer_30_years_apr":"6.226","offer_30_years_discount_points":"1.482","offer_30_years_cost_of_discount_points":"5364.84","offer_30_years_total_fee_amount":"5792.20","offer_30_years_property_value":"452500.00","offer_30_years_loan_amount":"362000.00","offer_30_years_upfront_mortgage_insurance":"0.00","offer_25_years_principal_and_interest":"2332.00","offer_25_years_rate":"6.000","offer_25_years_apr":"6.262","offer_25_years_discount_points":"1.538","offer_25_years_cost_of_discount_points":"5567.56","offer_25_years_total_fee_amount":"5792.20","offer_25_years_property_value":"452500.00","offer_25_years_loan_amount":"362000.00","offer_25_years_upfront_mortgage_insurance":"0.00","offer_20_years_principal_and_interest":"2567.00","offer_20_years_rate":"5.875","offer_20_years_apr":"6.154","offer_20_years_discount_points":"1.324","offer_20_years_cost_of_discount_points":"4792.88","offer_20_years_total_fee_amount":"5792.20","offer_20_years_property_value":"452500.00","offer_20_years_loan_amount":"362000.00","offer_20_years_upfront_mortgage_insurance":"0.00","offer_15_years_principal_and_interest":"2886.00","offer_15_years_rate":"5.125","offer_15_years_apr":"5.507","offer_15_years_discount_points":"1.568","offer_15_years_cost_of_discount_points":"5676.16","offer_15_years_total_fee_amount":"5792.20","offer_15_years_property_value":"452500.00","offer_15_years_loan_amount":"362000.00","offer_15_years_upfront_mortgage_insurance":"0.00","offer_10_years_principal_and_interest":"3862.00","offer_10_years_rate":"5.125","offer_10_years_apr":"5.670","offer_10_years_discount_points":"1.566","offer_10_years_cost_of_discount_points":"5668.92","offer_10_years_total_fee_amount":"5792.20","offer_10_years_property_value":"452500.00","offer_10_years_loan_amount":"362000.00","offer_10_years_upfront_mortgage_insurance":"0.00","offer_26_years_principal_and_interest":"2293.91","offer_26_years_rate":"6.000","offer_26_years_apr":"6.249","offer_26_years_discount_points":"1.482","offer_26_years_cost_of_discount_points":"5364.84","offer_26_years_total_fee_amount":"5792.20","offer_26_years_property_value":"452500.00","offer_26_years_loan_amount":"362000.00","offer_26_years_upfront_mortgage_insurance":"0.00","offer_27_years_principal_and_interest":"2258.83","offer_27_years_rate":"6.000","offer_27_years_apr":"6.242","offer_27_years_discount_points":"1.482","offer_27_years_cost_of_discount_points":"5364.84","offer_27_years_total_fee_amount":"5792.20","offer_27_years_property_value":"452500.00","offer_27_years_loan_amount":"362000.00","offer_27_years_upfront_mortgage_insurance":"0.00","offer_28_years_principal_and_interest":"2226.75","offer_28_years_rate":"6.000","offer_28_years_apr":"6.237","offer_28_years_discount_points":"1.482","offer_28_years_cost_of_discount_points":"5364.84","offer_28_years_total_fee_amount":"5792.20","offer_28_years_property_value":"452500.00","offer_28_years_loan_amount":"362000.00","offer_28_years_upfront_mortgage_insurance":"0.00","offer_29_years_principal_and_interest":"2197.36","offer_29_years_rate":"6.000","offer_29_years_apr":"6.231","offer_29_years_discount_points":"1.482","offer_29_years_cost_of_discount_points":"5364.84","offer_29_years_total_fee_amount":"5792.20","offer_29_years_property_value":"452500.00","offer_29_years_loan_amount":"362000.00","offer_29_years_upfront_mortgage_insurance":"0.00","offer_5/6_arm_principal_and_interest":"2084.00","offer_5/6_arm_rate":"5.625","offer_5/6_arm_apr":"6.488","offer_5/6_arm_discount_points":"1.462","offer_5/6_arm_cost_of_discount_points":"5292.44","offer_5/6_arm_total_fee_amount":"5792.20","offer_5/6_arm_property_value":"452500.00","offer_5/6_arm_loan_amount":"362000.00","offer_5/6_arm_upfront_mortgage_insurance":"0.00","offer_7/6_arm_principal_and_interest":"2113.00","offer_7/6_arm_rate":"5.750","offer_7/6_arm_apr":"6.422","offer_7/6_arm_discount_points":"1.411","offer_7/6_arm_cost_of_discount_points":"5107.82","offer_7/6_arm_total_fee_amount":"5792.20","offer_7/6_arm_property_value":"452500.00","offer_7/6_arm_loan_amount":"362000.00","offer_7/6_arm_upfront_mortgage_insurance":"0.00","offer_10/6_arm_principal_and_interest":"2113.00","offer_10/6_arm_rate":"5.750","offer_10/6_arm_apr":"6.305","offer_10/6_arm_discount_points":"1.605","offer_10/6_arm_cost_of_discount_points":"5810.10","offer_10/6_arm_total_fee_amount":"5792.20","offer_10/6_arm_property_value":"452500.00","offer_10/6_arm_loan_amount":"362000.00","offer_10/6_arm_upfront_mortgage_insurance":"0.00","as_of_date":"2025-12-17"}.offer_20_years_rate}%`}, LTV 80% is $2567.00 for full Principal and Interest Payments with $4792.88 due at closing. The Annual Percentage Rate is 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st_of_discount_points":"5676.16","offer_15_years_total_fee_amount":"5792.20","offer_15_years_property_value":"452500.00","offer_15_years_loan_amount":"362000.00","offer_15_years_upfront_mortgage_insurance":"0.00","offer_10_years_principal_and_interest":"3862.00","offer_10_years_rate":"5.125","offer_10_years_apr":"5.670","offer_10_years_discount_points":"1.566","offer_10_years_cost_of_discount_points":"5668.92","offer_10_years_total_fee_amount":"5792.20","offer_10_years_property_value":"452500.00","offer_10_years_loan_amount":"362000.00","offer_10_years_upfront_mortgage_insurance":"0.00","offer_26_years_principal_and_interest":"2293.91","offer_26_years_rate":"6.000","offer_26_years_apr":"6.249","offer_26_years_discount_points":"1.482","offer_26_years_cost_of_discount_points":"5364.84","offer_26_years_total_fee_amount":"5792.20","offer_26_years_property_value":"452500.00","offer_26_years_loan_amount":"362000.00","offer_26_years_upfront_mortgage_insurance":"0.00","offer_27_years_principal_and_interest":"2258.83","offer_27_years_rate":"6.000","offer_27_years_apr":"6.242","offer_27_years_discount_points":"1.482","offer_27_years_cost_of_discount_points":"5364.84","offer_27_years_total_fee_amount":"5792.20","offer_27_years_property_value":"452500.00","offer_27_years_loan_amount":"362000.00","offer_27_years_upfront_mortgage_insurance":"0.00","offer_28_years_principal_and_interest":"2226.75","offer_28_years_rate":"6.000","offer_28_years_apr":"6.237","offer_28_years_discount_points":"1.482","offer_28_years_cost_of_discount_points":"5364.84","offer_28_years_total_fee_amount":"5792.20","offer_28_years_property_value":"452500.00","offer_28_years_loan_amount":"362000.00","offer_28_years_upfront_mortgage_insurance":"0.00","offer_29_years_principal_and_interest":"2197.36","offer_29_years_rate":"6.000","offer_29_years_apr":"6.231","offer_29_years_discount_points":"1.482","offer_29_years_cost_of_discount_points":"5364.84","offer_29_years_total_fee_amount":"5792.20","offer_29_years_property_value":"452500.00","offer_29_years_loan_amount":"362000.00","offer_29_years_upfront_mortgage_insurance":"0.00","offer_5/6_arm_principal_and_interest":"2084.00","offer_5/6_arm_rate":"5.625","offer_5/6_arm_apr":"6.488","offer_5/6_arm_discount_points":"1.462","offer_5/6_arm_cost_of_discount_points":"5292.44","offer_5/6_arm_total_fee_amount":"5792.20","offer_5/6_arm_property_value":"452500.00","offer_5/6_arm_loan_amount":"362000.00","offer_5/6_arm_upfront_mortgage_insurance":"0.00","offer_7/6_arm_principal_and_interest":"2113.00","offer_7/6_arm_rate":"5.750","offer_7/6_arm_apr":"6.422","offer_7/6_arm_discount_points":"1.411","offer_7/6_arm_cost_of_discount_points":"5107.82","offer_7/6_arm_total_fee_amount":"5792.20","offer_7/6_arm_property_value":"452500.00","offer_7/6_arm_loan_amount":"362000.00","offer_7/6_arm_upfront_mortgage_insurance":"0.00","offer_10/6_arm_principal_and_interest":"2113.00","offer_10/6_arm_rate":"5.750","offer_10/6_arm_apr":"6.305","offer_10/6_arm_discount_points":"1.605","offer_10/6_arm_cost_of_discount_points":"5810.10","offer_10/6_arm_total_fee_amount":"5792.20","offer_10/6_arm_property_value":"452500.00","offer_10/6_arm_loan_amount":"362000.00","offer_10/6_arm_upfront_mortgage_insurance":"0.00","as_of_date":"2025-12-17"}.offer_20_years_apr}%`}. No prepayment penalty. Payment shown does not include taxes and insurance. The actual payment amount will be greater. Interest rates and annual percentage rates (APRs) are for informational purposes only and are subject to change without notice.

⁸ 30-YEAR Payment Example: The payment for a 30-year term, loan amount $362000.00, Rate {`${{"offer_30_year_fixed_fha_principal_and_interest":"2063.00","offer_30_year_fixed_fha_rate":"5.375","offer_30_year_fixed_fha_apr":"6.092","offer_30_year_fixed_fha_discount_points":"1.320","offer_30_year_fixed_fha_cost_of_discount_points":"4778.40","offer_30_year_fixed_fha_total_fee_amount":"5792.20","offer_30_year_fixed_fha_property_value":"452500.00","offer_30_year_fixed_fha_loan_amount":"362000.00","offer_30_year_fixed_fha_upfront_mortgage_insurance":"6335.00","offer_20_year_fixed_fha_principal_and_interest":"2508.00","offer_20_year_fixed_fha_rate":"5.375","offer_20_year_fixed_fha_apr":"6.315","offer_20_year_fixed_fha_discount_points":"1.505","offer_20_year_fixed_fha_cost_of_discount_points":"5448.10","offer_20_year_fixed_fha_total_fee_amount":"5792.20","offer_20_year_fixed_fha_property_value":"452500.00","offer_20_year_fixed_fha_loan_amount":"362000.00","offer_20_year_fixed_fha_upfront_mortgage_insurance":"6335.00","offer_15_year_fixed_fha_principal_and_interest":"2913.00","offer_15_year_fixed_fha_rate":"5.000","offer_15_year_fixed_fha_apr":"5.772","offer_15_year_fixed_fha_discount_points":"1.446","offer_15_year_fixed_fha_cost_of_discount_points":"5234.52","offer_15_year_fixed_fha_total_fee_amount":"5792.20","offer_15_year_fixed_fha_property_value":"452500.00","offer_15_year_fixed_fha_loan_amount":"362000.00","offer_15_year_fixed_fha_upfront_mortgage_insurance":"6335.00","offer_10_year_fixed_fha_principal_and_interest":"3907.00","offer_10_year_fixed_fha_rate":"5.000","offer_10_year_fixed_fha_apr":"6.050","offer_10_year_fixed_fha_discount_points":"1.446","offer_10_year_fixed_fha_cost_of_discount_points":"5234.52","offer_10_year_fixed_fha_total_fee_amount":"5792.20","offer_10_year_fixed_fha_property_value":"452500.00","offer_10_year_fixed_fha_loan_amount":"362000.00","offer_10_year_fixed_fha_upfront_mortgage_insurance":"6335.00","offer_30_year_fixed_va_principal_and_interest":"2024.00","offer_30_year_fixed_va_rate":"5.250","offer_30_year_fixed_va_apr":"5.548","offer_30_year_fixed_va_discount_points":"1.568","offer_30_year_fixed_va_cost_of_discount_points":"5676.16","offer_30_year_fixed_va_total_fee_amount":"4297.20","offer_30_year_fixed_va_property_value":"452500.00","offer_30_year_fixed_va_loan_amount":"362000.00","offer_30_year_fixed_va_upfront_mortgage_insurance":"4525.00","offer_20_year_fixed_va_principal_and_interest":"2470.00","offer_20_year_fixed_va_rate":"5.250","offer_20_year_fixed_va_apr":"5.666","offer_20_year_fixed_va_discount_points":"1.672","offer_20_year_fixed_va_cost_of_discount_points":"6052.64","offer_20_year_fixed_va_total_fee_amount":"4297.20","offer_20_year_fixed_va_property_value":"452500.00","offer_20_year_fixed_va_loan_amount":"362000.00","offer_20_year_fixed_va_upfront_mortgage_insurance":"4525.00","offer_15_year_fixed_va_principal_and_interest":"2875.00","offer_15_year_fixed_va_rate":"4.875","offer_15_year_fixed_va_apr":"5.377","offer_15_year_fixed_va_discount_points":"1.544","offer_15_year_fixed_va_cost_of_discount_points":"5589.28","offer_15_year_fixed_va_total_fee_amount":"4297.20","offer_15_year_fixed_va_property_value":"452500.00","offer_15_year_fixed_va_loan_amount":"362000.00","offer_15_year_fixed_va_upfront_mortgage_insurance":"4525.00","offer_10_year_fixed_va_principal_and_interest":"3865.00","offer_10_year_fixed_va_rate":"4.875","offer_10_year_fixed_va_apr":"5.592","offer_10_year_fixed_va_discount_points":"1.544","offer_10_year_fixed_va_cost_of_discount_points":"5589.28","offer_10_year_fixed_va_total_fee_amount":"4297.20","offer_10_year_fixed_va_property_value":"452500.00","offer_10_year_fixed_va_loan_amount":"362000.00","offer_10_year_fixed_va_upfront_mortgage_insurance":"4525.00","offer_30_years_principal_and_interest":"2170.00","offer_30_years_rate":"6.000","offer_30_years_apr":"6.226","offer_30_years_discount_points":"1.482","offer_30_years_cost_of_discount_points":"5364.84","offer_30_years_total_fee_amount":"5792.20","offer_30_years_property_value":"452500.00","offer_30_years_loan_amount":"362000.00","offer_30_years_upfront_mortgage_insurance":"0.00","offer_25_years_principal_and_interest":"2332.00","offer_25_years_rate":"6.000","offer_25_years_apr":"6.262","offer_25_years_discount_points":"1.538","offer_25_years_cost_of_discount_points":"5567.56","offer_25_years_total_fee_amount":"5792.20","offer_25_years_property_value":"452500.00","offer_25_years_loan_amount":"362000.00","offer_25_years_upfront_mortgage_insurance":"0.00","offer_20_years_principal_and_interest":"2567.00","offer_20_years_rate":"5.875","offer_20_years_apr":"6.154","offer_20_years_discount_points":"1.324","offer_20_years_cost_of_discount_points":"4792.88","offer_20_years_total_fee_amount":"5792.20","offer_20_years_property_value":"452500.00","offer_20_years_loan_amount":"362000.00","offer_20_years_upfront_mortgage_insurance":"0.00","offer_15_years_principal_and_interest":"2886.00","offer_15_years_rate":"5.125","offer_15_years_apr":"5.507","offer_15_years_discount_points":"1.568","offer_15_years_cost_of_discount_points":"5676.16","offer_15_years_total_fee_amount":"5792.20","offer_15_years_property_value":"452500.00","offer_15_years_loan_amount":"362000.00","offer_15_years_upfront_mortgage_insurance":"0.00","offer_10_years_principal_and_interest":"3862.00","offer_10_years_rate":"5.125","offer_10_years_apr":"5.670","offer_10_years_discount_points":"1.566","offer_10_years_cost_of_discount_points":"5668.92","offer_10_years_total_fee_amount":"5792.20","offer_10_years_property_value":"452500.00","offer_10_years_loan_amount":"362000.00","offer_10_years_upfront_mortgage_insurance":"0.00","offer_26_years_principal_and_interest":"2293.91","offer_26_years_rate":"6.000","offer_26_years_apr":"6.249","offer_26_years_discount_points":"1.482","offer_26_years_cost_of_discount_points":"5364.84","offer_26_years_total_fee_amount":"5792.20","offer_26_years_property_value":"452500.00","offer_26_years_loan_amount":"362000.00","offer_26_years_upfront_mortgage_insurance":"0.00","offer_27_years_principal_and_interest":"2258.83","offer_27_years_rate":"6.000","offer_27_years_apr":"6.242","offer_27_years_discount_points":"1.482","offer_27_years_cost_of_discount_points":"5364.84","offer_27_years_total_fee_amount":"5792.20","offer_27_years_property_value":"452500.00","offer_27_years_loan_amount":"362000.00","offer_27_years_upfront_mortgage_insurance":"0.00","offer_28_years_principal_and_interest":"2226.75","offer_28_years_rate":"6.000","offer_28_years_apr":"6.237","offer_28_years_discount_points":"1.482","offer_28_years_cost_of_discount_points":"5364.84","offer_28_years_total_fee_amount":"5792.20","offer_28_years_property_value":"452500.00","offer_28_years_loan_amount":"362000.00","offer_28_years_upfront_mortgage_insurance":"0.00","offer_29_years_principal_and_interest":"2197.36","offer_29_years_rate":"6.000","offer_29_years_apr":"6.231","offer_29_years_discount_points":"1.482","offer_29_years_cost_of_discount_points":"5364.84","offer_29_years_total_fee_amount":"5792.20","offer_29_years_property_value":"452500.00","offer_29_years_loan_amount":"362000.00","offer_29_years_upfront_mortgage_insurance":"0.00","offer_5/6_arm_principal_and_interest":"2084.00","offer_5/6_arm_rate":"5.625","offer_5/6_arm_apr":"6.488","offer_5/6_arm_discount_points":"1.462","offer_5/6_arm_cost_of_discount_points":"5292.44","offer_5/6_arm_total_fee_amount":"5792.20","offer_5/6_arm_property_value":"452500.00","offer_5/6_arm_loan_amount":"362000.00","offer_5/6_arm_upfront_mortgage_insurance":"0.00","offer_7/6_arm_principal_and_interest":"2113.00","offer_7/6_arm_rate":"5.750","offer_7/6_arm_apr":"6.422","offer_7/6_arm_discount_points":"1.411","offer_7/6_arm_cost_of_discount_points":"5107.82","offer_7/6_arm_total_fee_amount":"5792.20","offer_7/6_arm_property_value":"452500.00","offer_7/6_arm_loan_amount":"362000.00","offer_7/6_arm_upfront_mortgage_insurance":"0.00","offer_10/6_arm_principal_and_interest":"2113.00","offer_10/6_arm_rate":"5.750","offer_10/6_arm_apr":"6.305","offer_10/6_arm_discount_points":"1.605","offer_10/6_arm_cost_of_discount_points":"5810.10","offer_10/6_arm_total_fee_amount":"5792.20","offer_10/6_arm_property_value":"452500.00","offer_10/6_arm_loan_amount":"362000.00","offer_10/6_arm_upfront_mortgage_insurance":"0.00","as_of_date":"2025-12-17"}.offer_30_years_rate}%`}, LTV 80% is $2170.00 for full Principal and Interest Payments with $5364.84 due at closing. The Annual Percentage Rate is 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st_of_discount_points":"5676.16","offer_15_years_total_fee_amount":"5792.20","offer_15_years_property_value":"452500.00","offer_15_years_loan_amount":"362000.00","offer_15_years_upfront_mortgage_insurance":"0.00","offer_10_years_principal_and_interest":"3862.00","offer_10_years_rate":"5.125","offer_10_years_apr":"5.670","offer_10_years_discount_points":"1.566","offer_10_years_cost_of_discount_points":"5668.92","offer_10_years_total_fee_amount":"5792.20","offer_10_years_property_value":"452500.00","offer_10_years_loan_amount":"362000.00","offer_10_years_upfront_mortgage_insurance":"0.00","offer_26_years_principal_and_interest":"2293.91","offer_26_years_rate":"6.000","offer_26_years_apr":"6.249","offer_26_years_discount_points":"1.482","offer_26_years_cost_of_discount_points":"5364.84","offer_26_years_total_fee_amount":"5792.20","offer_26_years_property_value":"452500.00","offer_26_years_loan_amount":"362000.00","offer_26_years_upfront_mortgage_insurance":"0.00","offer_27_years_principal_and_interest":"2258.83","offer_27_years_rate":"6.000","offer_27_years_apr":"6.242","offer_27_years_discount_points":"1.482","offer_27_years_cost_of_discount_points":"5364.84","offer_27_years_total_fee_amount":"5792.20","offer_27_years_property_value":"452500.00","offer_27_years_loan_amount":"362000.00","offer_27_years_upfront_mortgage_insurance":"0.00","offer_28_years_principal_and_interest":"2226.75","offer_28_years_rate":"6.000","offer_28_years_apr":"6.237","offer_28_years_discount_points":"1.482","offer_28_years_cost_of_discount_points":"5364.84","offer_28_years_total_fee_amount":"5792.20","offer_28_years_property_value":"452500.00","offer_28_years_loan_amount":"362000.00","offer_28_years_upfront_mortgage_insurance":"0.00","offer_29_years_principal_and_interest":"2197.36","offer_29_years_rate":"6.000","offer_29_years_apr":"6.231","offer_29_years_discount_points":"1.482","offer_29_years_cost_of_discount_points":"5364.84","offer_29_years_total_fee_amount":"5792.20","offer_29_years_property_value":"452500.00","offer_29_years_loan_amount":"362000.00","offer_29_years_upfront_mortgage_insurance":"0.00","offer_5/6_arm_principal_and_interest":"2084.00","offer_5/6_arm_rate":"5.625","offer_5/6_arm_apr":"6.488","offer_5/6_arm_discount_points":"1.462","offer_5/6_arm_cost_of_discount_points":"5292.44","offer_5/6_arm_total_fee_amount":"5792.20","offer_5/6_arm_property_value":"452500.00","offer_5/6_arm_loan_amount":"362000.00","offer_5/6_arm_upfront_mortgage_insurance":"0.00","offer_7/6_arm_principal_and_interest":"2113.00","offer_7/6_arm_rate":"5.750","offer_7/6_arm_apr":"6.422","offer_7/6_arm_discount_points":"1.411","offer_7/6_arm_cost_of_discount_points":"5107.82","offer_7/6_arm_total_fee_amount":"5792.20","offer_7/6_arm_property_value":"452500.00","offer_7/6_arm_loan_amount":"362000.00","offer_7/6_arm_upfront_mortgage_insurance":"0.00","offer_10/6_arm_principal_and_interest":"2113.00","offer_10/6_arm_rate":"5.750","offer_10/6_arm_apr":"6.305","offer_10/6_arm_discount_points":"1.605","offer_10/6_arm_cost_of_discount_points":"5810.10","offer_10/6_arm_total_fee_amount":"5792.20","offer_10/6_arm_property_value":"452500.00","offer_10/6_arm_loan_amount":"362000.00","offer_10/6_arm_upfront_mortgage_insurance":"0.00","as_of_date":"2025-12-17"}.offer_30_years_apr}%`}. No prepayment penalty. Payment shown does not include taxes and insurance. The actual payment amount will be greater. Interest rates and annual percentage rates (APRs) are for informational purposes only and are subject to change without notice.

All information in the primary residence payment examples listed above — including interest rates, payments, terms, and availability — is for informational purposes only and is subject to change without notice.

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⁵ 10-YEAR Payment Example: The payment for a 10-year term, loan amount $362000.00, Rate {`${{"offer_30_year_fixed_fha_principal_and_interest":"2063.00","offer_30_year_fixed_fha_rate":"5.375","offer_30_year_fixed_fha_apr":"6.092","offer_30_year_fixed_fha_discount_points":"1.320","offer_30_year_fixed_fha_cost_of_discount_points":"4778.40","offer_30_year_fixed_fha_total_fee_amount":"5792.20","offer_30_year_fixed_fha_property_value":"452500.00","offer_30_year_fixed_fha_loan_amount":"362000.00","offer_30_year_fixed_fha_upfront_mortgage_insurance":"6335.00","offer_20_year_fixed_fha_principal_and_interest":"2508.00","offer_20_year_fixed_fha_rate":"5.375","offer_20_year_fixed_fha_apr":"6.315","offer_20_year_fixed_fha_discount_points":"1.505","offer_20_year_fixed_fha_cost_of_discount_points":"5448.10","offer_20_year_fixed_fha_total_fee_amount":"5792.20","offer_20_year_fixed_fha_property_value":"452500.00","offer_20_year_fixed_fha_loan_amount":"362000.00","offer_20_year_fixed_fha_upfront_mortgage_insurance":"6335.00","offer_15_year_fixed_fha_principal_and_interest":"2913.00","offer_15_year_fixed_fha_rate":"5.000","offer_15_year_fixed_fha_apr":"5.772","offer_15_year_fixed_fha_discount_points":"1.446","offer_15_year_fixed_fha_cost_of_discount_points":"5234.52","offer_15_year_fixed_fha_total_fee_amount":"5792.20","offer_15_year_fixed_fha_property_value":"452500.00","offer_15_year_fixed_fha_loan_amount":"362000.00","offer_15_year_fixed_fha_upfront_mortgage_insurance":"6335.00","offer_10_year_fixed_fha_principal_and_interest":"3907.00","offer_10_year_fixed_fha_rate":"5.000","offer_10_year_fixed_fha_apr":"6.050","offer_10_year_fixed_fha_discount_points":"1.446","offer_10_year_fixed_fha_cost_of_discount_points":"5234.52","offer_10_year_fixed_fha_total_fee_amount":"5792.20","offer_10_year_fixed_fha_property_value":"452500.00","offer_10_year_fixed_fha_loan_amount":"362000.00","offer_10_year_fixed_fha_upfront_mortgage_insurance":"6335.00","offer_30_year_fixed_va_principal_and_interest":"2024.00","offer_30_year_fixed_va_rate":"5.250","offer_30_year_fixed_va_apr":"5.548","offer_30_year_fixed_va_discount_points":"1.568","offer_30_year_fixed_va_cost_of_discount_points":"5676.16","offer_30_year_fixed_va_total_fee_amount":"4297.20","offer_30_year_fixed_va_property_value":"452500.00","offer_30_year_fixed_va_loan_amount":"362000.00","offer_30_year_fixed_va_upfront_mortgage_insurance":"4525.00","offer_20_year_fixed_va_principal_and_interest":"2470.00","offer_20_year_fixed_va_rate":"5.250","offer_20_year_fixed_va_apr":"5.666","offer_20_year_fixed_va_discount_points":"1.672","offer_20_year_fixed_va_cost_of_discount_points":"6052.64","offer_20_year_fixed_va_total_fee_amount":"4297.20","offer_20_year_fixed_va_property_value":"452500.00","offer_20_year_fixed_va_loan_amount":"362000.00","offer_20_year_fixed_va_upfront_mortgage_insurance":"4525.00","offer_15_year_fixed_va_principal_and_interest":"2875.00","offer_15_year_fixed_va_rate":"4.875","offer_15_year_fixed_va_apr":"5.377","offer_15_year_fixed_va_discount_points":"1.544","offer_15_year_fixed_va_cost_of_discount_points":"5589.28","offer_15_year_fixed_va_total_fee_amount":"4297.20","offer_15_year_fixed_va_property_value":"452500.00","offer_15_year_fixed_va_loan_amount":"362000.00","offer_15_year_fixed_va_upfront_mortgage_insurance":"4525.00","offer_10_year_fixed_va_principal_and_interest":"3865.00","offer_10_year_fixed_va_rate":"4.875","offer_10_year_fixed_va_apr":"5.592","offer_10_year_fixed_va_discount_points":"1.544","offer_10_year_fixed_va_cost_of_discount_points":"5589.28","offer_10_year_fixed_va_total_fee_amount":"4297.20","offer_10_year_fixed_va_property_value":"452500.00","offer_10_year_fixed_va_loan_amount":"362000.00","offer_10_year_fixed_va_upfront_mortgage_insurance":"4525.00","offer_30_years_principal_and_interest":"2170.00","offer_30_years_rate":"6.000","offer_30_years_apr":"6.226","offer_30_years_discount_points":"1.482","offer_30_years_cost_of_discount_points":"5364.84","offer_30_years_total_fee_amount":"5792.20","offer_30_years_property_value":"452500.00","offer_30_years_loan_amount":"362000.00","offer_30_years_upfront_mortgage_insurance":"0.00","offer_25_years_principal_and_interest":"2332.00","offer_25_years_rate":"6.000","offer_25_years_apr":"6.262","offer_25_years_discount_points":"1.538","offer_25_years_cost_of_discount_points":"5567.56","offer_25_years_total_fee_amount":"5792.20","offer_25_years_property_value":"452500.00","offer_25_years_loan_amount":"362000.00","offer_25_years_upfront_mortgage_insurance":"0.00","offer_20_years_principal_and_interest":"2567.00","offer_20_years_rate":"5.875","offer_20_years_apr":"6.154","offer_20_years_discount_points":"1.324","offer_20_years_cost_of_discount_points":"4792.88","offer_20_years_total_fee_amount":"5792.20","offer_20_years_property_value":"452500.00","offer_20_years_loan_amount":"362000.00","offer_20_years_upfront_mortgage_insurance":"0.00","offer_15_years_principal_and_interest":"2886.00","offer_15_years_rate":"5.125","offer_15_years_apr":"5.507","offer_15_years_discount_points":"1.568","offer_15_years_cost_of_discount_points":"5676.16","offer_15_years_total_fee_amount":"5792.20","offer_15_years_property_value":"452500.00","offer_15_years_loan_amount":"362000.00","offer_15_years_upfront_mortgage_insurance":"0.00","offer_10_years_principal_and_interest":"3862.00","offer_10_years_rate":"5.125","offer_10_years_apr":"5.670","offer_10_years_discount_points":"1.566","offer_10_years_cost_of_discount_points":"5668.92","offer_10_years_total_fee_amount":"5792.20","offer_10_years_property_value":"452500.00","offer_10_years_loan_amount":"362000.00","offer_10_years_upfront_mortgage_insurance":"0.00","offer_26_years_principal_and_interest":"2293.91","offer_26_years_rate":"6.000","offer_26_years_apr":"6.249","offer_26_years_discount_points":"1.482","offer_26_years_cost_of_discount_points":"5364.84","offer_26_years_total_fee_amount":"5792.20","offer_26_years_property_value":"452500.00","offer_26_years_loan_amount":"362000.00","offer_26_years_upfront_mortgage_insurance":"0.00","offer_27_years_principal_and_interest":"2258.83","offer_27_years_rate":"6.000","offer_27_years_apr":"6.242","offer_27_years_discount_points":"1.482","offer_27_years_cost_of_discount_points":"5364.84","offer_27_years_total_fee_amount":"5792.20","offer_27_years_property_value":"452500.00","offer_27_years_loan_amount":"362000.00","offer_27_years_upfront_mortgage_insurance":"0.00","offer_28_years_principal_and_interest":"2226.75","offer_28_years_rate":"6.000","offer_28_years_apr":"6.237","offer_28_years_discount_points":"1.482","offer_28_years_cost_of_discount_points":"5364.84","offer_28_years_total_fee_amount":"5792.20","offer_28_years_property_value":"452500.00","offer_28_years_loan_amount":"362000.00","offer_28_years_upfront_mortgage_insurance":"0.00","offer_29_years_principal_and_interest":"2197.36","offer_29_years_rate":"6.000","offer_29_years_apr":"6.231","offer_29_years_discount_points":"1.482","offer_29_years_cost_of_discount_points":"5364.84","offer_29_years_total_fee_amount":"5792.20","offer_29_years_property_value":"452500.00","offer_29_years_loan_amount":"362000.00","offer_29_years_upfront_mortgage_insurance":"0.00","offer_5/6_arm_principal_and_interest":"2084.00","offer_5/6_arm_rate":"5.625","offer_5/6_arm_apr":"6.488","offer_5/6_arm_discount_points":"1.462","offer_5/6_arm_cost_of_discount_points":"5292.44","offer_5/6_arm_total_fee_amount":"5792.20","offer_5/6_arm_property_value":"452500.00","offer_5/6_arm_loan_amount":"362000.00","offer_5/6_arm_upfront_mortgage_insurance":"0.00","offer_7/6_arm_principal_and_interest":"2113.00","offer_7/6_arm_rate":"5.750","offer_7/6_arm_apr":"6.422","offer_7/6_arm_discount_points":"1.411","offer_7/6_arm_cost_of_discount_points":"5107.82","offer_7/6_arm_total_fee_amount":"5792.20","offer_7/6_arm_property_value":"452500.00","offer_7/6_arm_loan_amount":"362000.00","offer_7/6_arm_upfront_mortgage_insurance":"0.00","offer_10/6_arm_principal_and_interest":"2113.00","offer_10/6_arm_rate":"5.750","offer_10/6_arm_apr":"6.305","offer_10/6_arm_discount_points":"1.605","offer_10/6_arm_cost_of_discount_points":"5810.10","offer_10/6_arm_total_fee_amount":"5792.20","offer_10/6_arm_property_value":"452500.00","offer_10/6_arm_loan_amount":"362000.00","offer_10/6_arm_upfront_mortgage_insurance":"0.00","as_of_date":"2025-12-17"}.offer_10_years_rate}%`}, LTV 80% is $3862.00 for full Principal and Interest Payments with $5668.92 due at closing. The Annual Percentage Rate is 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st_of_discount_points":"5676.16","offer_15_years_total_fee_amount":"5792.20","offer_15_years_property_value":"452500.00","offer_15_years_loan_amount":"362000.00","offer_15_years_upfront_mortgage_insurance":"0.00","offer_10_years_principal_and_interest":"3862.00","offer_10_years_rate":"5.125","offer_10_years_apr":"5.670","offer_10_years_discount_points":"1.566","offer_10_years_cost_of_discount_points":"5668.92","offer_10_years_total_fee_amount":"5792.20","offer_10_years_property_value":"452500.00","offer_10_years_loan_amount":"362000.00","offer_10_years_upfront_mortgage_insurance":"0.00","offer_26_years_principal_and_interest":"2293.91","offer_26_years_rate":"6.000","offer_26_years_apr":"6.249","offer_26_years_discount_points":"1.482","offer_26_years_cost_of_discount_points":"5364.84","offer_26_years_total_fee_amount":"5792.20","offer_26_years_property_value":"452500.00","offer_26_years_loan_amount":"362000.00","offer_26_years_upfront_mortgage_insurance":"0.00","offer_27_years_principal_and_interest":"2258.83","offer_27_years_rate":"6.000","offer_27_years_apr":"6.242","offer_27_years_discount_points":"1.482","offer_27_years_cost_of_discount_points":"5364.84","offer_27_years_total_fee_amount":"5792.20","offer_27_years_property_value":"452500.00","offer_27_years_loan_amount":"362000.00","offer_27_years_upfront_mortgage_insurance":"0.00","offer_28_years_principal_and_interest":"2226.75","offer_28_years_rate":"6.000","offer_28_years_apr":"6.237","offer_28_years_discount_points":"1.482","offer_28_years_cost_of_discount_points":"5364.84","offer_28_years_total_fee_amount":"5792.20","offer_28_years_property_value":"452500.00","offer_28_years_loan_amount":"362000.00","offer_28_years_upfront_mortgage_insurance":"0.00","offer_29_years_principal_and_interest":"2197.36","offer_29_years_rate":"6.000","offer_29_years_apr":"6.231","offer_29_years_discount_points":"1.482","offer_29_years_cost_of_discount_points":"5364.84","offer_29_years_total_fee_amount":"5792.20","offer_29_years_property_value":"452500.00","offer_29_years_loan_amount":"362000.00","offer_29_years_upfront_mortgage_insurance":"0.00","offer_5/6_arm_principal_and_interest":"2084.00","offer_5/6_arm_rate":"5.625","offer_5/6_arm_apr":"6.488","offer_5/6_arm_discount_points":"1.462","offer_5/6_arm_cost_of_discount_points":"5292.44","offer_5/6_arm_total_fee_amount":"5792.20","offer_5/6_arm_property_value":"452500.00","offer_5/6_arm_loan_amount":"362000.00","offer_5/6_arm_upfront_mortgage_insurance":"0.00","offer_7/6_arm_principal_and_interest":"2113.00","offer_7/6_arm_rate":"5.750","offer_7/6_arm_apr":"6.422","offer_7/6_arm_discount_points":"1.411","offer_7/6_arm_cost_of_discount_points":"5107.82","offer_7/6_arm_total_fee_amount":"5792.20","offer_7/6_arm_property_value":"452500.00","offer_7/6_arm_loan_amount":"362000.00","offer_7/6_arm_upfront_mortgage_insurance":"0.00","offer_10/6_arm_principal_and_interest":"2113.00","offer_10/6_arm_rate":"5.750","offer_10/6_arm_apr":"6.305","offer_10/6_arm_discount_points":"1.605","offer_10/6_arm_cost_of_discount_points":"5810.10","offer_10/6_arm_total_fee_amount":"5792.20","offer_10/6_arm_property_value":"452500.00","offer_10/6_arm_loan_amount":"362000.00","offer_10/6_arm_upfront_mortgage_insurance":"0.00","as_of_date":"2025-12-17"}.offer_10_years_apr}%`}%. No prepayment penalty. Payment shown does not include taxes and insurance. The actual payment amount will be greater. Interest rates and annual percentage rates (APRs) are for informational purposes only and are subject to change without notice.

⁶ 15-YEAR Payment Example: The payment for a 15-year term, loan amount $362000.00, Rate {`${{"offer_30_year_fixed_fha_principal_and_interest":"2063.00","offer_30_year_fixed_fha_rate":"5.375","offer_30_year_fixed_fha_apr":"6.092","offer_30_year_fixed_fha_discount_points":"1.320","offer_30_year_fixed_fha_cost_of_discount_points":"4778.40","offer_30_year_fixed_fha_total_fee_amount":"5792.20","offer_30_year_fixed_fha_property_value":"452500.00","offer_30_year_fixed_fha_loan_amount":"362000.00","offer_30_year_fixed_fha_upfront_mortgage_insurance":"6335.00","offer_20_year_fixed_fha_principal_and_interest":"2508.00","offer_20_year_fixed_fha_rate":"5.375","offer_20_year_fixed_fha_apr":"6.315","offer_20_year_fixed_fha_discount_points":"1.505","offer_20_year_fixed_fha_cost_of_discount_points":"5448.10","offer_20_year_fixed_fha_total_fee_amount":"5792.20","offer_20_year_fixed_fha_property_value":"452500.00","offer_20_year_fixed_fha_loan_amount":"362000.00","offer_20_year_fixed_fha_upfront_mortgage_insurance":"6335.00","offer_15_year_fixed_fha_principal_and_interest":"2913.00","offer_15_year_fixed_fha_rate":"5.000","offer_15_year_fixed_fha_apr":"5.772","offer_15_year_fixed_fha_discount_points":"1.446","offer_15_year_fixed_fha_cost_of_discount_points":"5234.52","offer_15_year_fixed_fha_total_fee_amount":"5792.20","offer_15_year_fixed_fha_property_value":"452500.00","offer_15_year_fixed_fha_loan_amount":"362000.00","offer_15_year_fixed_fha_upfront_mortgage_insurance":"6335.00","offer_10_year_fixed_fha_principal_and_interest":"3907.00","offer_10_year_fixed_fha_rate":"5.000","offer_10_year_fixed_fha_apr":"6.050","offer_10_year_fixed_fha_discount_points":"1.446","offer_10_year_fixed_fha_cost_of_discount_points":"5234.52","offer_10_year_fixed_fha_total_fee_amount":"5792.20","offer_10_year_fixed_fha_property_value":"452500.00","offer_10_year_fixed_fha_loan_amount":"362000.00","offer_10_year_fixed_fha_upfront_mortgage_insurance":"6335.00","offer_30_year_fixed_va_principal_and_interest":"2024.00","offer_30_year_fixed_va_rate":"5.250","offer_30_year_fixed_va_apr":"5.548","offer_30_year_fixed_va_discount_points":"1.568","offer_30_year_fixed_va_cost_of_discount_points":"5676.16","offer_30_year_fixed_va_total_fee_amount":"4297.20","offer_30_year_fixed_va_property_value":"452500.00","offer_30_year_fixed_va_loan_amount":"362000.00","offer_30_year_fixed_va_upfront_mortgage_insurance":"4525.00","offer_20_year_fixed_va_principal_and_interest":"2470.00","offer_20_year_fixed_va_rate":"5.250","offer_20_year_fixed_va_apr":"5.666","offer_20_year_fixed_va_discount_points":"1.672","offer_20_year_fixed_va_cost_of_discount_points":"6052.64","offer_20_year_fixed_va_total_fee_amount":"4297.20","offer_20_year_fixed_va_property_value":"452500.00","offer_20_year_fixed_va_loan_amount":"362000.00","offer_20_year_fixed_va_upfront_mortgage_insurance":"4525.00","offer_15_year_fixed_va_principal_and_interest":"2875.00","offer_15_year_fixed_va_rate":"4.875","offer_15_year_fixed_va_apr":"5.377","offer_15_year_fixed_va_discount_points":"1.544","offer_15_year_fixed_va_cost_of_discount_points":"5589.28","offer_15_year_fixed_va_total_fee_amount":"4297.20","offer_15_year_fixed_va_property_value":"452500.00","offer_15_year_fixed_va_loan_amount":"362000.00","offer_15_year_fixed_va_upfront_mortgage_insurance":"4525.00","offer_10_year_fixed_va_principal_and_interest":"3865.00","offer_10_year_fixed_va_rate":"4.875","offer_10_year_fixed_va_apr":"5.592","offer_10_year_fixed_va_discount_points":"1.544","offer_10_year_fixed_va_cost_of_discount_points":"5589.28","offer_10_year_fixed_va_total_fee_amount":"4297.20","offer_10_year_fixed_va_property_value":"452500.00","offer_10_year_fixed_va_loan_amount":"362000.00","offer_10_year_fixed_va_upfront_mortgage_insurance":"4525.00","offer_30_years_principal_and_interest":"2170.00","offer_30_years_rate":"6.000","offer_30_years_apr":"6.226","offer_30_years_discount_points":"1.482","offer_30_years_cost_of_discount_points":"5364.84","offer_30_years_total_fee_amount":"5792.20","offer_30_years_property_value":"452500.00","offer_30_years_loan_amount":"362000.00","offer_30_years_upfront_mortgage_insurance":"0.00","offer_25_years_principal_and_interest":"2332.00","offer_25_years_rate":"6.000","offer_25_years_apr":"6.262","offer_25_years_discount_points":"1.538","offer_25_years_cost_of_discount_points":"5567.56","offer_25_years_total_fee_amount":"5792.20","offer_25_years_property_value":"452500.00","offer_25_years_loan_amount":"362000.00","offer_25_years_upfront_mortgage_insurance":"0.00","offer_20_years_principal_and_interest":"2567.00","offer_20_years_rate":"5.875","offer_20_years_apr":"6.154","offer_20_years_discount_points":"1.324","offer_20_years_cost_of_discount_points":"4792.88","offer_20_years_total_fee_amount":"5792.20","offer_20_years_property_value":"452500.00","offer_20_years_loan_amount":"362000.00","offer_20_years_upfront_mortgage_insurance":"0.00","offer_15_years_principal_and_interest":"2886.00","offer_15_years_rate":"5.125","offer_15_years_apr":"5.507","offer_15_years_discount_points":"1.568","offer_15_years_cost_of_discount_points":"5676.16","offer_15_years_total_fee_amount":"5792.20","offer_15_years_property_value":"452500.00","offer_15_years_loan_amount":"362000.00","offer_15_years_upfront_mortgage_insurance":"0.00","offer_10_years_principal_and_interest":"3862.00","offer_10_years_rate":"5.125","offer_10_years_apr":"5.670","offer_10_years_discount_points":"1.566","offer_10_years_cost_of_discount_points":"5668.92","offer_10_years_total_fee_amount":"5792.20","offer_10_years_property_value":"452500.00","offer_10_years_loan_amount":"362000.00","offer_10_years_upfront_mortgage_insurance":"0.00","offer_26_years_principal_and_interest":"2293.91","offer_26_years_rate":"6.000","offer_26_years_apr":"6.249","offer_26_years_discount_points":"1.482","offer_26_years_cost_of_discount_points":"5364.84","offer_26_years_total_fee_amount":"5792.20","offer_26_years_property_value":"452500.00","offer_26_years_loan_amount":"362000.00","offer_26_years_upfront_mortgage_insurance":"0.00","offer_27_years_principal_and_interest":"2258.83","offer_27_years_rate":"6.000","offer_27_years_apr":"6.242","offer_27_years_discount_points":"1.482","offer_27_years_cost_of_discount_points":"5364.84","offer_27_years_total_fee_amount":"5792.20","offer_27_years_property_value":"452500.00","offer_27_years_loan_amount":"362000.00","offer_27_years_upfront_mortgage_insurance":"0.00","offer_28_years_principal_and_interest":"2226.75","offer_28_years_rate":"6.000","offer_28_years_apr":"6.237","offer_28_years_discount_points":"1.482","offer_28_years_cost_of_discount_points":"5364.84","offer_28_years_total_fee_amount":"5792.20","offer_28_years_property_value":"452500.00","offer_28_years_loan_amount":"362000.00","offer_28_years_upfront_mortgage_insurance":"0.00","offer_29_years_principal_and_interest":"2197.36","offer_29_years_rate":"6.000","offer_29_years_apr":"6.231","offer_29_years_discount_points":"1.482","offer_29_years_cost_of_discount_points":"5364.84","offer_29_years_total_fee_amount":"5792.20","offer_29_years_property_value":"452500.00","offer_29_years_loan_amount":"362000.00","offer_29_years_upfront_mortgage_insurance":"0.00","offer_5/6_arm_principal_and_interest":"2084.00","offer_5/6_arm_rate":"5.625","offer_5/6_arm_apr":"6.488","offer_5/6_arm_discount_points":"1.462","offer_5/6_arm_cost_of_discount_points":"5292.44","offer_5/6_arm_total_fee_amount":"5792.20","offer_5/6_arm_property_value":"452500.00","offer_5/6_arm_loan_amount":"362000.00","offer_5/6_arm_upfront_mortgage_insurance":"0.00","offer_7/6_arm_principal_and_interest":"2113.00","offer_7/6_arm_rate":"5.750","offer_7/6_arm_apr":"6.422","offer_7/6_arm_discount_points":"1.411","offer_7/6_arm_cost_of_discount_points":"5107.82","offer_7/6_arm_total_fee_amount":"5792.20","offer_7/6_arm_property_value":"452500.00","offer_7/6_arm_loan_amount":"362000.00","offer_7/6_arm_upfront_mortgage_insurance":"0.00","offer_10/6_arm_principal_and_interest":"2113.00","offer_10/6_arm_rate":"5.750","offer_10/6_arm_apr":"6.305","offer_10/6_arm_discount_points":"1.605","offer_10/6_arm_cost_of_discount_points":"5810.10","offer_10/6_arm_total_fee_amount":"5792.20","offer_10/6_arm_property_value":"452500.00","offer_10/6_arm_loan_amount":"362000.00","offer_10/6_arm_upfront_mortgage_insurance":"0.00","as_of_date":"2025-12-17"}.offer_15_years_rate}%`}, LTV 80% is $2886.00 for full Principal and Interest Payments with $5676.16 due at closing. The Annual Percentage Rate is 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st_of_discount_points":"5676.16","offer_15_years_total_fee_amount":"5792.20","offer_15_years_property_value":"452500.00","offer_15_years_loan_amount":"362000.00","offer_15_years_upfront_mortgage_insurance":"0.00","offer_10_years_principal_and_interest":"3862.00","offer_10_years_rate":"5.125","offer_10_years_apr":"5.670","offer_10_years_discount_points":"1.566","offer_10_years_cost_of_discount_points":"5668.92","offer_10_years_total_fee_amount":"5792.20","offer_10_years_property_value":"452500.00","offer_10_years_loan_amount":"362000.00","offer_10_years_upfront_mortgage_insurance":"0.00","offer_26_years_principal_and_interest":"2293.91","offer_26_years_rate":"6.000","offer_26_years_apr":"6.249","offer_26_years_discount_points":"1.482","offer_26_years_cost_of_discount_points":"5364.84","offer_26_years_total_fee_amount":"5792.20","offer_26_years_property_value":"452500.00","offer_26_years_loan_amount":"362000.00","offer_26_years_upfront_mortgage_insurance":"0.00","offer_27_years_principal_and_interest":"2258.83","offer_27_years_rate":"6.000","offer_27_years_apr":"6.242","offer_27_years_discount_points":"1.482","offer_27_years_cost_of_discount_points":"5364.84","offer_27_years_total_fee_amount":"5792.20","offer_27_years_property_value":"452500.00","offer_27_years_loan_amount":"362000.00","offer_27_years_upfront_mortgage_insurance":"0.00","offer_28_years_principal_and_interest":"2226.75","offer_28_years_rate":"6.000","offer_28_years_apr":"6.237","offer_28_years_discount_points":"1.482","offer_28_years_cost_of_discount_points":"5364.84","offer_28_years_total_fee_amount":"5792.20","offer_28_years_property_value":"452500.00","offer_28_years_loan_amount":"362000.00","offer_28_years_upfront_mortgage_insurance":"0.00","offer_29_years_principal_and_interest":"2197.36","offer_29_years_rate":"6.000","offer_29_years_apr":"6.231","offer_29_years_discount_points":"1.482","offer_29_years_cost_of_discount_points":"5364.84","offer_29_years_total_fee_amount":"5792.20","offer_29_years_property_value":"452500.00","offer_29_years_loan_amount":"362000.00","offer_29_years_upfront_mortgage_insurance":"0.00","offer_5/6_arm_principal_and_interest":"2084.00","offer_5/6_arm_rate":"5.625","offer_5/6_arm_apr":"6.488","offer_5/6_arm_discount_points":"1.462","offer_5/6_arm_cost_of_discount_points":"5292.44","offer_5/6_arm_total_fee_amount":"5792.20","offer_5/6_arm_property_value":"452500.00","offer_5/6_arm_loan_amount":"362000.00","offer_5/6_arm_upfront_mortgage_insurance":"0.00","offer_7/6_arm_principal_and_interest":"2113.00","offer_7/6_arm_rate":"5.750","offer_7/6_arm_apr":"6.422","offer_7/6_arm_discount_points":"1.411","offer_7/6_arm_cost_of_discount_points":"5107.82","offer_7/6_arm_total_fee_amount":"5792.20","offer_7/6_arm_property_value":"452500.00","offer_7/6_arm_loan_amount":"362000.00","offer_7/6_arm_upfront_mortgage_insurance":"0.00","offer_10/6_arm_principal_and_interest":"2113.00","offer_10/6_arm_rate":"5.750","offer_10/6_arm_apr":"6.305","offer_10/6_arm_discount_points":"1.605","offer_10/6_arm_cost_of_discount_points":"5810.10","offer_10/6_arm_total_fee_amount":"5792.20","offer_10/6_arm_property_value":"452500.00","offer_10/6_arm_loan_amount":"362000.00","offer_10/6_arm_upfront_mortgage_insurance":"0.00","as_of_date":"2025-12-17"}.offer_20_years_apr}%`}. No prepayment penalty. Payment shown does not include taxes and insurance. The actual payment amount will be greater. Interest rates and annual percentage rates (APRs) are for informational purposes only and are subject to change without notice.

⁷ 20-YEAR Payment Example: The payment for a 20-year term, loan amount $362000.00, Rate {`${{"offer_30_year_fixed_fha_principal_and_interest":"2063.00","offer_30_year_fixed_fha_rate":"5.375","offer_30_year_fixed_fha_apr":"6.092","offer_30_year_fixed_fha_discount_points":"1.320","offer_30_year_fixed_fha_cost_of_discount_points":"4778.40","offer_30_year_fixed_fha_total_fee_amount":"5792.20","offer_30_year_fixed_fha_property_value":"452500.00","offer_30_year_fixed_fha_loan_amount":"362000.00","offer_30_year_fixed_fha_upfront_mortgage_insurance":"6335.00","offer_20_year_fixed_fha_principal_and_interest":"2508.00","offer_20_year_fixed_fha_rate":"5.375","offer_20_year_fixed_fha_apr":"6.315","offer_20_year_fixed_fha_discount_points":"1.505","offer_20_year_fixed_fha_cost_of_discount_points":"5448.10","offer_20_year_fixed_fha_total_fee_amount":"5792.20","offer_20_year_fixed_fha_property_value":"452500.00","offer_20_year_fixed_fha_loan_amount":"362000.00","offer_20_year_fixed_fha_upfront_mortgage_insurance":"6335.00","offer_15_year_fixed_fha_principal_and_interest":"2913.00","offer_15_year_fixed_fha_rate":"5.000","offer_15_year_fixed_fha_apr":"5.772","offer_15_year_fixed_fha_discount_points":"1.446","offer_15_year_fixed_fha_cost_of_discount_points":"5234.52","offer_15_year_fixed_fha_total_fee_amount":"5792.20","offer_15_year_fixed_fha_property_value":"452500.00","offer_15_year_fixed_fha_loan_amount":"362000.00","offer_15_year_fixed_fha_upfront_mortgage_insurance":"6335.00","offer_10_year_fixed_fha_principal_and_interest":"3907.00","offer_10_year_fixed_fha_rate":"5.000","offer_10_year_fixed_fha_apr":"6.050","offer_10_year_fixed_fha_discount_points":"1.446","offer_10_year_fixed_fha_cost_of_discount_points":"5234.52","offer_10_year_fixed_fha_total_fee_amount":"5792.20","offer_10_year_fixed_fha_property_value":"452500.00","offer_10_year_fixed_fha_loan_amount":"362000.00","offer_10_year_fixed_fha_upfront_mortgage_insurance":"6335.00","offer_30_year_fixed_va_principal_and_interest":"2024.00","offer_30_year_fixed_va_rate":"5.250","offer_30_year_fixed_va_apr":"5.548","offer_30_year_fixed_va_discount_points":"1.568","offer_30_year_fixed_va_cost_of_discount_points":"5676.16","offer_30_year_fixed_va_total_fee_amount":"4297.20","offer_30_year_fixed_va_property_value":"452500.00","offer_30_year_fixed_va_loan_amount":"362000.00","offer_30_year_fixed_va_upfront_mortgage_insurance":"4525.00","offer_20_year_fixed_va_principal_and_interest":"2470.00","offer_20_year_fixed_va_rate":"5.250","offer_20_year_fixed_va_apr":"5.666","offer_20_year_fixed_va_discount_points":"1.672","offer_20_year_fixed_va_cost_of_discount_points":"6052.64","offer_20_year_fixed_va_total_fee_amount":"4297.20","offer_20_year_fixed_va_property_value":"452500.00","offer_20_year_fixed_va_loan_amount":"362000.00","offer_20_year_fixed_va_upfront_mortgage_insurance":"4525.00","offer_15_year_fixed_va_principal_and_interest":"2875.00","offer_15_year_fixed_va_rate":"4.875","offer_15_year_fixed_va_apr":"5.377","offer_15_year_fixed_va_discount_points":"1.544","offer_15_year_fixed_va_cost_of_discount_points":"5589.28","offer_15_year_fixed_va_total_fee_amount":"4297.20","offer_15_year_fixed_va_property_value":"452500.00","offer_15_year_fixed_va_loan_amount":"362000.00","offer_15_year_fixed_va_upfront_mortgage_insurance":"4525.00","offer_10_year_fixed_va_principal_and_interest":"3865.00","offer_10_year_fixed_va_rate":"4.875","offer_10_year_fixed_va_apr":"5.592","offer_10_year_fixed_va_discount_points":"1.544","offer_10_year_fixed_va_cost_of_discount_points":"5589.28","offer_10_year_fixed_va_total_fee_amount":"4297.20","offer_10_year_fixed_va_property_value":"452500.00","offer_10_year_fixed_va_loan_amount":"362000.00","offer_10_year_fixed_va_upfront_mortgage_insurance":"4525.00","offer_30_years_principal_and_interest":"2170.00","offer_30_years_rate":"6.000","offer_30_years_apr":"6.226","offer_30_years_discount_points":"1.482","offer_30_years_cost_of_discount_points":"5364.84","offer_30_years_total_fee_amount":"5792.20","offer_30_years_property_value":"452500.00","offer_30_years_loan_amount":"362000.00","offer_30_years_upfront_mortgage_insurance":"0.00","offer_25_years_principal_and_interest":"2332.00","offer_25_years_rate":"6.000","offer_25_years_apr":"6.262","offer_25_years_discount_points":"1.538","offer_25_years_cost_of_discount_points":"5567.56","offer_25_years_total_fee_amount":"5792.20","offer_25_years_property_value":"452500.00","offer_25_years_loan_amount":"362000.00","offer_25_years_upfront_mortgage_insurance":"0.00","offer_20_years_principal_and_interest":"2567.00","offer_20_years_rate":"5.875","offer_20_years_apr":"6.154","offer_20_years_discount_points":"1.324","offer_20_years_cost_of_discount_points":"4792.88","offer_20_years_total_fee_amount":"5792.20","offer_20_years_property_value":"452500.00","offer_20_years_loan_amount":"362000.00","offer_20_years_upfront_mortgage_insurance":"0.00","offer_15_years_principal_and_interest":"2886.00","offer_15_years_rate":"5.125","offer_15_years_apr":"5.507","offer_15_years_discount_points":"1.568","offer_15_years_cost_of_discount_points":"5676.16","offer_15_years_total_fee_amount":"5792.20","offer_15_years_property_value":"452500.00","offer_15_years_loan_amount":"362000.00","offer_15_years_upfront_mortgage_insurance":"0.00","offer_10_years_principal_and_interest":"3862.00","offer_10_years_rate":"5.125","offer_10_years_apr":"5.670","offer_10_years_discount_points":"1.566","offer_10_years_cost_of_discount_points":"5668.92","offer_10_years_total_fee_amount":"5792.20","offer_10_years_property_value":"452500.00","offer_10_years_loan_amount":"362000.00","offer_10_years_upfront_mortgage_insurance":"0.00","offer_26_years_principal_and_interest":"2293.91","offer_26_years_rate":"6.000","offer_26_years_apr":"6.249","offer_26_years_discount_points":"1.482","offer_26_years_cost_of_discount_points":"5364.84","offer_26_years_total_fee_amount":"5792.20","offer_26_years_property_value":"452500.00","offer_26_years_loan_amount":"362000.00","offer_26_years_upfront_mortgage_insurance":"0.00","offer_27_years_principal_and_interest":"2258.83","offer_27_years_rate":"6.000","offer_27_years_apr":"6.242","offer_27_years_discount_points":"1.482","offer_27_years_cost_of_discount_points":"5364.84","offer_27_years_total_fee_amount":"5792.20","offer_27_years_property_value":"452500.00","offer_27_years_loan_amount":"362000.00","offer_27_years_upfront_mortgage_insurance":"0.00","offer_28_years_principal_and_interest":"2226.75","offer_28_years_rate":"6.000","offer_28_years_apr":"6.237","offer_28_years_discount_points":"1.482","offer_28_years_cost_of_discount_points":"5364.84","offer_28_years_total_fee_amount":"5792.20","offer_28_years_property_value":"452500.00","offer_28_years_loan_amount":"362000.00","offer_28_years_upfront_mortgage_insurance":"0.00","offer_29_years_principal_and_interest":"2197.36","offer_29_years_rate":"6.000","offer_29_years_apr":"6.231","offer_29_years_discount_points":"1.482","offer_29_years_cost_of_discount_points":"5364.84","offer_29_years_total_fee_amount":"5792.20","offer_29_years_property_value":"452500.00","offer_29_years_loan_amount":"362000.00","offer_29_years_upfront_mortgage_insurance":"0.00","offer_5/6_arm_principal_and_interest":"2084.00","offer_5/6_arm_rate":"5.625","offer_5/6_arm_apr":"6.488","offer_5/6_arm_discount_points":"1.462","offer_5/6_arm_cost_of_discount_points":"5292.44","offer_5/6_arm_total_fee_amount":"5792.20","offer_5/6_arm_property_value":"452500.00","offer_5/6_arm_loan_amount":"362000.00","offer_5/6_arm_upfront_mortgage_insurance":"0.00","offer_7/6_arm_principal_and_interest":"2113.00","offer_7/6_arm_rate":"5.750","offer_7/6_arm_apr":"6.422","offer_7/6_arm_discount_points":"1.411","offer_7/6_arm_cost_of_discount_points":"5107.82","offer_7/6_arm_total_fee_amount":"5792.20","offer_7/6_arm_property_value":"452500.00","offer_7/6_arm_loan_amount":"362000.00","offer_7/6_arm_upfront_mortgage_insurance":"0.00","offer_10/6_arm_principal_and_interest":"2113.00","offer_10/6_arm_rate":"5.750","offer_10/6_arm_apr":"6.305","offer_10/6_arm_discount_points":"1.605","offer_10/6_arm_cost_of_discount_points":"5810.10","offer_10/6_arm_total_fee_amount":"5792.20","offer_10/6_arm_property_value":"452500.00","offer_10/6_arm_loan_amount":"362000.00","offer_10/6_arm_upfront_mortgage_insurance":"0.00","as_of_date":"2025-12-17"}.offer_20_years_rate}%`}, LTV 80% is $2567.00 for full Principal and Interest Payments with $4792.88 due at closing. The Annual Percentage Rate is 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st_of_discount_points":"5676.16","offer_15_years_total_fee_amount":"5792.20","offer_15_years_property_value":"452500.00","offer_15_years_loan_amount":"362000.00","offer_15_years_upfront_mortgage_insurance":"0.00","offer_10_years_principal_and_interest":"3862.00","offer_10_years_rate":"5.125","offer_10_years_apr":"5.670","offer_10_years_discount_points":"1.566","offer_10_years_cost_of_discount_points":"5668.92","offer_10_years_total_fee_amount":"5792.20","offer_10_years_property_value":"452500.00","offer_10_years_loan_amount":"362000.00","offer_10_years_upfront_mortgage_insurance":"0.00","offer_26_years_principal_and_interest":"2293.91","offer_26_years_rate":"6.000","offer_26_years_apr":"6.249","offer_26_years_discount_points":"1.482","offer_26_years_cost_of_discount_points":"5364.84","offer_26_years_total_fee_amount":"5792.20","offer_26_years_property_value":"452500.00","offer_26_years_loan_amount":"362000.00","offer_26_years_upfront_mortgage_insurance":"0.00","offer_27_years_principal_and_interest":"2258.83","offer_27_years_rate":"6.000","offer_27_years_apr":"6.242","offer_27_years_discount_points":"1.482","offer_27_years_cost_of_discount_points":"5364.84","offer_27_years_total_fee_amount":"5792.20","offer_27_years_property_value":"452500.00","offer_27_years_loan_amount":"362000.00","offer_27_years_upfront_mortgage_insurance":"0.00","offer_28_years_principal_and_interest":"2226.75","offer_28_years_rate":"6.000","offer_28_years_apr":"6.237","offer_28_years_discount_points":"1.482","offer_28_years_cost_of_discount_points":"5364.84","offer_28_years_total_fee_amount":"5792.20","offer_28_years_property_value":"452500.00","offer_28_years_loan_amount":"362000.00","offer_28_years_upfront_mortgage_insurance":"0.00","offer_29_years_principal_and_interest":"2197.36","offer_29_years_rate":"6.000","offer_29_years_apr":"6.231","offer_29_years_discount_points":"1.482","offer_29_years_cost_of_discount_points":"5364.84","offer_29_years_total_fee_amount":"5792.20","offer_29_years_property_value":"452500.00","offer_29_years_loan_amount":"362000.00","offer_29_years_upfront_mortgage_insurance":"0.00","offer_5/6_arm_principal_and_interest":"2084.00","offer_5/6_arm_rate":"5.625","offer_5/6_arm_apr":"6.488","offer_5/6_arm_discount_points":"1.462","offer_5/6_arm_cost_of_discount_points":"5292.44","offer_5/6_arm_total_fee_amount":"5792.20","offer_5/6_arm_property_value":"452500.00","offer_5/6_arm_loan_amount":"362000.00","offer_5/6_arm_upfront_mortgage_insurance":"0.00","offer_7/6_arm_principal_and_interest":"2113.00","offer_7/6_arm_rate":"5.750","offer_7/6_arm_apr":"6.422","offer_7/6_arm_discount_points":"1.411","offer_7/6_arm_cost_of_discount_points":"5107.82","offer_7/6_arm_total_fee_amount":"5792.20","offer_7/6_arm_property_value":"452500.00","offer_7/6_arm_loan_amount":"362000.00","offer_7/6_arm_upfront_mortgage_insurance":"0.00","offer_10/6_arm_principal_and_interest":"2113.00","offer_10/6_arm_rate":"5.750","offer_10/6_arm_apr":"6.305","offer_10/6_arm_discount_points":"1.605","offer_10/6_arm_cost_of_discount_points":"5810.10","offer_10/6_arm_total_fee_amount":"5792.20","offer_10/6_arm_property_value":"452500.00","offer_10/6_arm_loan_amount":"362000.00","offer_10/6_arm_upfront_mortgage_insurance":"0.00","as_of_date":"2025-12-17"}.offer_20_years_apr}%`}. No prepayment penalty. Payment shown does not include taxes and insurance. The actual payment amount will be greater. Interest rates and annual percentage rates (APRs) are for informational purposes only and are subject to change without notice.

⁸ 30-YEAR Payment Example: The payment for a 30-year term, loan amount $362000.00, Rate {`${{"offer_30_year_fixed_fha_principal_and_interest":"2063.00","offer_30_year_fixed_fha_rate":"5.375","offer_30_year_fixed_fha_apr":"6.092","offer_30_year_fixed_fha_discount_points":"1.320","offer_30_year_fixed_fha_cost_of_discount_points":"4778.40","offer_30_year_fixed_fha_total_fee_amount":"5792.20","offer_30_year_fixed_fha_property_value":"452500.00","offer_30_year_fixed_fha_loan_amount":"362000.00","offer_30_year_fixed_fha_upfront_mortgage_insurance":"6335.00","offer_20_year_fixed_fha_principal_and_interest":"2508.00","offer_20_year_fixed_fha_rate":"5.375","offer_20_year_fixed_fha_apr":"6.315","offer_20_year_fixed_fha_discount_points":"1.505","offer_20_year_fixed_fha_cost_of_discount_points":"5448.10","offer_20_year_fixed_fha_total_fee_amount":"5792.20","offer_20_year_fixed_fha_property_value":"452500.00","offer_20_year_fixed_fha_loan_amount":"362000.00","offer_20_year_fixed_fha_upfront_mortgage_insurance":"6335.00","offer_15_year_fixed_fha_principal_and_interest":"2913.00","offer_15_year_fixed_fha_rate":"5.000","offer_15_year_fixed_fha_apr":"5.772","offer_15_year_fixed_fha_discount_points":"1.446","offer_15_year_fixed_fha_cost_of_discount_points":"5234.52","offer_15_year_fixed_fha_total_fee_amount":"5792.20","offer_15_year_fixed_fha_property_value":"452500.00","offer_15_year_fixed_fha_loan_amount":"362000.00","offer_15_year_fixed_fha_upfront_mortgage_insurance":"6335.00","offer_10_year_fixed_fha_principal_and_interest":"3907.00","offer_10_year_fixed_fha_rate":"5.000","offer_10_year_fixed_fha_apr":"6.050","offer_10_year_fixed_fha_discount_points":"1.446","offer_10_year_fixed_fha_cost_of_discount_points":"5234.52","offer_10_year_fixed_fha_total_fee_amount":"5792.20","offer_10_year_fixed_fha_property_value":"452500.00","offer_10_year_fixed_fha_loan_amount":"362000.00","offer_10_year_fixed_fha_upfront_mortgage_insurance":"6335.00","offer_30_year_fixed_va_principal_and_interest":"2024.00","offer_30_year_fixed_va_rate":"5.250","offer_30_year_fixed_va_apr":"5.548","offer_30_year_fixed_va_discount_points":"1.568","offer_30_year_fixed_va_cost_of_discount_points":"5676.16","offer_30_year_fixed_va_total_fee_amount":"4297.20","offer_30_year_fixed_va_property_value":"452500.00","offer_30_year_fixed_va_loan_amount":"362000.00","offer_30_year_fixed_va_upfront_mortgage_insurance":"4525.00","offer_20_year_fixed_va_principal_and_interest":"2470.00","offer_20_year_fixed_va_rate":"5.250","offer_20_year_fixed_va_apr":"5.666","offer_20_year_fixed_va_discount_points":"1.672","offer_20_year_fixed_va_cost_of_discount_points":"6052.64","offer_20_year_fixed_va_total_fee_amount":"4297.20","offer_20_year_fixed_va_property_value":"452500.00","offer_20_year_fixed_va_loan_amount":"362000.00","offer_20_year_fixed_va_upfront_mortgage_insurance":"4525.00","offer_15_year_fixed_va_principal_and_interest":"2875.00","offer_15_year_fixed_va_rate":"4.875","offer_15_year_fixed_va_apr":"5.377","offer_15_year_fixed_va_discount_points":"1.544","offer_15_year_fixed_va_cost_of_discount_points":"5589.28","offer_15_year_fixed_va_total_fee_amount":"4297.20","offer_15_year_fixed_va_property_value":"452500.00","offer_15_year_fixed_va_loan_amount":"362000.00","offer_15_year_fixed_va_upfront_mortgage_insurance":"4525.00","offer_10_year_fixed_va_principal_and_interest":"3865.00","offer_10_year_fixed_va_rate":"4.875","offer_10_year_fixed_va_apr":"5.592","offer_10_year_fixed_va_discount_points":"1.544","offer_10_year_fixed_va_cost_of_discount_points":"5589.28","offer_10_year_fixed_va_total_fee_amount":"4297.20","offer_10_year_fixed_va_property_value":"452500.00","offer_10_year_fixed_va_loan_amount":"362000.00","offer_10_year_fixed_va_upfront_mortgage_insurance":"4525.00","offer_30_years_principal_and_interest":"2170.00","offer_30_years_rate":"6.000","offer_30_years_apr":"6.226","offer_30_years_discount_points":"1.482","offer_30_years_cost_of_discount_points":"5364.84","offer_30_years_total_fee_amount":"5792.20","offer_30_years_property_value":"452500.00","offer_30_years_loan_amount":"362000.00","offer_30_years_upfront_mortgage_insurance":"0.00","offer_25_years_principal_and_interest":"2332.00","offer_25_years_rate":"6.000","offer_25_years_apr":"6.262","offer_25_years_discount_points":"1.538","offer_25_years_cost_of_discount_points":"5567.56","offer_25_years_total_fee_amount":"5792.20","offer_25_years_property_value":"452500.00","offer_25_years_loan_amount":"362000.00","offer_25_years_upfront_mortgage_insurance":"0.00","offer_20_years_principal_and_interest":"2567.00","offer_20_years_rate":"5.875","offer_20_years_apr":"6.154","offer_20_years_discount_points":"1.324","offer_20_years_cost_of_discount_points":"4792.88","offer_20_years_total_fee_amount":"5792.20","offer_20_years_property_value":"452500.00","offer_20_years_loan_amount":"362000.00","offer_20_years_upfront_mortgage_insurance":"0.00","offer_15_years_principal_and_interest":"2886.00","offer_15_years_rate":"5.125","offer_15_years_apr":"5.507","offer_15_years_discount_points":"1.568","offer_15_years_cost_of_discount_points":"5676.16","offer_15_years_total_fee_amount":"5792.20","offer_15_years_property_value":"452500.00","offer_15_years_loan_amount":"362000.00","offer_15_years_upfront_mortgage_insurance":"0.00","offer_10_years_principal_and_interest":"3862.00","offer_10_years_rate":"5.125","offer_10_years_apr":"5.670","offer_10_years_discount_points":"1.566","offer_10_years_cost_of_discount_points":"5668.92","offer_10_years_total_fee_amount":"5792.20","offer_10_years_property_value":"452500.00","offer_10_years_loan_amount":"362000.00","offer_10_years_upfront_mortgage_insurance":"0.00","offer_26_years_principal_and_interest":"2293.91","offer_26_years_rate":"6.000","offer_26_years_apr":"6.249","offer_26_years_discount_points":"1.482","offer_26_years_cost_of_discount_points":"5364.84","offer_26_years_total_fee_amount":"5792.20","offer_26_years_property_value":"452500.00","offer_26_years_loan_amount":"362000.00","offer_26_years_upfront_mortgage_insurance":"0.00","offer_27_years_principal_and_interest":"2258.83","offer_27_years_rate":"6.000","offer_27_years_apr":"6.242","offer_27_years_discount_points":"1.482","offer_27_years_cost_of_discount_points":"5364.84","offer_27_years_total_fee_amount":"5792.20","offer_27_years_property_value":"452500.00","offer_27_years_loan_amount":"362000.00","offer_27_years_upfront_mortgage_insurance":"0.00","offer_28_years_principal_and_interest":"2226.75","offer_28_years_rate":"6.000","offer_28_years_apr":"6.237","offer_28_years_discount_points":"1.482","offer_28_years_cost_of_discount_points":"5364.84","offer_28_years_total_fee_amount":"5792.20","offer_28_years_property_value":"452500.00","offer_28_years_loan_amount":"362000.00","offer_28_years_upfront_mortgage_insurance":"0.00","offer_29_years_principal_and_interest":"2197.36","offer_29_years_rate":"6.000","offer_29_years_apr":"6.231","offer_29_years_discount_points":"1.482","offer_29_years_cost_of_discount_points":"5364.84","offer_29_years_total_fee_amount":"5792.20","offer_29_years_property_value":"452500.00","offer_29_years_loan_amount":"362000.00","offer_29_years_upfront_mortgage_insurance":"0.00","offer_5/6_arm_principal_and_interest":"2084.00","offer_5/6_arm_rate":"5.625","offer_5/6_arm_apr":"6.488","offer_5/6_arm_discount_points":"1.462","offer_5/6_arm_cost_of_discount_points":"5292.44","offer_5/6_arm_total_fee_amount":"5792.20","offer_5/6_arm_property_value":"452500.00","offer_5/6_arm_loan_amount":"362000.00","offer_5/6_arm_upfront_mortgage_insurance":"0.00","offer_7/6_arm_principal_and_interest":"2113.00","offer_7/6_arm_rate":"5.750","offer_7/6_arm_apr":"6.422","offer_7/6_arm_discount_points":"1.411","offer_7/6_arm_cost_of_discount_points":"5107.82","offer_7/6_arm_total_fee_amount":"5792.20","offer_7/6_arm_property_value":"452500.00","offer_7/6_arm_loan_amount":"362000.00","offer_7/6_arm_upfront_mortgage_insurance":"0.00","offer_10/6_arm_principal_and_interest":"2113.00","offer_10/6_arm_rate":"5.750","offer_10/6_arm_apr":"6.305","offer_10/6_arm_discount_points":"1.605","offer_10/6_arm_cost_of_discount_points":"5810.10","offer_10/6_arm_total_fee_amount":"5792.20","offer_10/6_arm_property_value":"452500.00","offer_10/6_arm_loan_amount":"362000.00","offer_10/6_arm_upfront_mortgage_insurance":"0.00","as_of_date":"2025-12-17"}.offer_30_years_rate}%`}, LTV 80% is $2170.00 for full Principal and Interest Payments with $5364.84 due at closing. The Annual Percentage Rate is 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No prepayment penalty. Payment shown does not include taxes and insurance. The actual payment amount will be greater. Interest rates and annual percentage rates (APRs) are for informational purposes only and are subject to change without notice.

All information in the primary residence payment examples listed above — including interest rates, payments, terms, and availability — is for informational purposes only and is subject to change without notice.

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⁵10-YEAR Payment Example: The payment for a 10-year term, loan amount $362000.00, Rate 4.875%, LTV 100% is $3865.00 for full Principal and Interest Payments with $1.544 due at closing. The Annual Percentage Rate is 5.592%. No prepayment penalty. Payment shown does not include taxes and insurance. The actual payment amount will be greater. Interest rates and annual percentage rates (APRs) are for informational purposes only and are subject to change without notice.

⁶15-YEAR Payment Example: The payment for a 15-year term, loan amount $362000.00, Rate 4.875%, LTV 100% is $2875.00 for full Principal and Interest Payments with $1.544 due at closing. The Annual Percentage Rate is 5.377%. No prepayment penalty. Payment shown does not include taxes and insurance. The actual payment amount will be greater. Interest rates and annual percentage rates (APRs) are for informational purposes only and are subject to change without notice.

⁷20-YEAR Payment Example: The payment for a 20-year term, loan amount $362000.00, Rate 5.250%, LTV 100% is $2470.00 for full Principal and Interest Payments with $1.672 due at closing. The Annual Percentage Rate is 5.666%. No prepayment penalty. Payment shown does not include taxes and insurance. The actual payment amount will be greater. Interest rates and annual percentage rates (APRs) are for informational purposes only and are subject to change without notice.

⁸30-YEAR Payment Example: The payment for a 30-year term, loan amount $362000.00, Rate 5.250%, LTV 100% is $2024.00 for full Principal and Interest Payments with $1.568 due at closing. The Annual Percentage Rate is 5.548%. No prepayment penalty. Payment shown does not include taxes and insurance. The actual payment amount will be greater. Interest rates and annual percentage rates (APRs) are for informational purposes only and are subject to change without notice.

All information in the primary residence payment examples listed above — including interest rates, payments, terms, and availability — is for informational purposes only and is subject to change without notice.

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^* 30-YEAR Payment Example: The payment for a 30-year term, loan amount $362000.00, Rate 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st_of_discount_points":"5676.16","offer_15_years_total_fee_amount":"5792.20","offer_15_years_property_value":"452500.00","offer_15_years_loan_amount":"362000.00","offer_15_years_upfront_mortgage_insurance":"0.00","offer_10_years_principal_and_interest":"3862.00","offer_10_years_rate":"5.125","offer_10_years_apr":"5.670","offer_10_years_discount_points":"1.566","offer_10_years_cost_of_discount_points":"5668.92","offer_10_years_total_fee_amount":"5792.20","offer_10_years_property_value":"452500.00","offer_10_years_loan_amount":"362000.00","offer_10_years_upfront_mortgage_insurance":"0.00","offer_26_years_principal_and_interest":"2293.91","offer_26_years_rate":"6.000","offer_26_years_apr":"6.249","offer_26_years_discount_points":"1.482","offer_26_years_cost_of_discount_points":"5364.84","offer_26_years_total_fee_amount":"5792.20","offer_26_years_property_value":"452500.00","offer_26_years_loan_amount":"362000.00","offer_26_years_upfront_mortgage_insurance":"0.00","offer_27_years_principal_and_interest":"2258.83","offer_27_years_rate":"6.000","offer_27_years_apr":"6.242","offer_27_years_discount_points":"1.482","offer_27_years_cost_of_discount_points":"5364.84","offer_27_years_total_fee_amount":"5792.20","offer_27_years_property_value":"452500.00","offer_27_years_loan_amount":"362000.00","offer_27_years_upfront_mortgage_insurance":"0.00","offer_28_years_principal_and_interest":"2226.75","offer_28_years_rate":"6.000","offer_28_years_apr":"6.237","offer_28_years_discount_points":"1.482","offer_28_years_cost_of_discount_points":"5364.84","offer_28_years_total_fee_amount":"5792.20","offer_28_years_property_value":"452500.00","offer_28_years_loan_amount":"362000.00","offer_28_years_upfront_mortgage_insurance":"0.00","offer_29_years_principal_and_interest":"2197.36","offer_29_years_rate":"6.000","offer_29_years_apr":"6.231","offer_29_years_discount_points":"1.482","offer_29_years_cost_of_discount_points":"5364.84","offer_29_years_total_fee_amount":"5792.20","offer_29_years_property_value":"452500.00","offer_29_years_loan_amount":"362000.00","offer_29_years_upfront_mortgage_insurance":"0.00","offer_5/6_arm_principal_and_interest":"2084.00","offer_5/6_arm_rate":"5.625","offer_5/6_arm_apr":"6.488","offer_5/6_arm_discount_points":"1.462","offer_5/6_arm_cost_of_discount_points":"5292.44","offer_5/6_arm_total_fee_amount":"5792.20","offer_5/6_arm_property_value":"452500.00","offer_5/6_arm_loan_amount":"362000.00","offer_5/6_arm_upfront_mortgage_insurance":"0.00","offer_7/6_arm_principal_and_interest":"2113.00","offer_7/6_arm_rate":"5.750","offer_7/6_arm_apr":"6.422","offer_7/6_arm_discount_points":"1.411","offer_7/6_arm_cost_of_discount_points":"5107.82","offer_7/6_arm_total_fee_amount":"5792.20","offer_7/6_arm_property_value":"452500.00","offer_7/6_arm_loan_amount":"362000.00","offer_7/6_arm_upfront_mortgage_insurance":"0.00","offer_10/6_arm_principal_and_interest":"2113.00","offer_10/6_arm_rate":"5.750","offer_10/6_arm_apr":"6.305","offer_10/6_arm_discount_points":"1.605","offer_10/6_arm_cost_of_discount_points":"5810.10","offer_10/6_arm_total_fee_amount":"5792.20","offer_10/6_arm_property_value":"452500.00","offer_10/6_arm_loan_amount":"362000.00","offer_10/6_arm_upfront_mortgage_insurance":"0.00","as_of_date":"2025-12-17"}.offer_30_years_rate}%`}, LTV 80% is $2170.00 for full Principal and Interest Payments with $5364.84 due at closing. The Annual Percentage Rate is 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st_of_discount_points":"5676.16","offer_15_years_total_fee_amount":"5792.20","offer_15_years_property_value":"452500.00","offer_15_years_loan_amount":"362000.00","offer_15_years_upfront_mortgage_insurance":"0.00","offer_10_years_principal_and_interest":"3862.00","offer_10_years_rate":"5.125","offer_10_years_apr":"5.670","offer_10_years_discount_points":"1.566","offer_10_years_cost_of_discount_points":"5668.92","offer_10_years_total_fee_amount":"5792.20","offer_10_years_property_value":"452500.00","offer_10_years_loan_amount":"362000.00","offer_10_years_upfront_mortgage_insurance":"0.00","offer_26_years_principal_and_interest":"2293.91","offer_26_years_rate":"6.000","offer_26_years_apr":"6.249","offer_26_years_discount_points":"1.482","offer_26_years_cost_of_discount_points":"5364.84","offer_26_years_total_fee_amount":"5792.20","offer_26_years_property_value":"452500.00","offer_26_years_loan_amount":"362000.00","offer_26_years_upfront_mortgage_insurance":"0.00","offer_27_years_principal_and_interest":"2258.83","offer_27_years_rate":"6.000","offer_27_years_apr":"6.242","offer_27_years_discount_points":"1.482","offer_27_years_cost_of_discount_points":"5364.84","offer_27_years_total_fee_amount":"5792.20","offer_27_years_property_value":"452500.00","offer_27_years_loan_amount":"362000.00","offer_27_years_upfront_mortgage_insurance":"0.00","offer_28_years_principal_and_interest":"2226.75","offer_28_years_rate":"6.000","offer_28_years_apr":"6.237","offer_28_years_discount_points":"1.482","offer_28_years_cost_of_discount_points":"5364.84","offer_28_years_total_fee_amount":"5792.20","offer_28_years_property_value":"452500.00","offer_28_years_loan_amount":"362000.00","offer_28_years_upfront_mortgage_insurance":"0.00","offer_29_years_principal_and_interest":"2197.36","offer_29_years_rate":"6.000","offer_29_years_apr":"6.231","offer_29_years_discount_points":"1.482","offer_29_years_cost_of_discount_points":"5364.84","offer_29_years_total_fee_amount":"5792.20","offer_29_years_property_value":"452500.00","offer_29_years_loan_amount":"362000.00","offer_29_years_upfront_mortgage_insurance":"0.00","offer_5/6_arm_principal_and_interest":"2084.00","offer_5/6_arm_rate":"5.625","offer_5/6_arm_apr":"6.488","offer_5/6_arm_discount_points":"1.462","offer_5/6_arm_cost_of_discount_points":"5292.44","offer_5/6_arm_total_fee_amount":"5792.20","offer_5/6_arm_property_value":"452500.00","offer_5/6_arm_loan_amount":"362000.00","offer_5/6_arm_upfront_mortgage_insurance":"0.00","offer_7/6_arm_principal_and_interest":"2113.00","offer_7/6_arm_rate":"5.750","offer_7/6_arm_apr":"6.422","offer_7/6_arm_discount_points":"1.411","offer_7/6_arm_cost_of_discount_points":"5107.82","offer_7/6_arm_total_fee_amount":"5792.20","offer_7/6_arm_property_value":"452500.00","offer_7/6_arm_loan_amount":"362000.00","offer_7/6_arm_upfront_mortgage_insurance":"0.00","offer_10/6_arm_principal_and_interest":"2113.00","offer_10/6_arm_rate":"5.750","offer_10/6_arm_apr":"6.305","offer_10/6_arm_discount_points":"1.605","offer_10/6_arm_cost_of_discount_points":"5810.10","offer_10/6_arm_total_fee_amount":"5792.20","offer_10/6_arm_property_value":"452500.00","offer_10/6_arm_loan_amount":"362000.00","offer_10/6_arm_upfront_mortgage_insurance":"0.00","as_of_date":"2025-12-17"}.offer_30_years_apr}%`}. No prepayment penalty. Payment shown does not include taxes and insurance. The actual payment amount will be greater. Interest rates and annual percentage rates (APRs) are for informational purposes only and are subject to change without notice.

^* 20-YEAR Payment Example: The payment for a 20-year term, loan amount $362000.00, Rate {`${{"offer_30_year_fixed_fha_principal_and_interest":"2063.00","offer_30_year_fixed_fha_rate":"5.375","offer_30_year_fixed_fha_apr":"6.092","offer_30_year_fixed_fha_discount_points":"1.320","offer_30_year_fixed_fha_cost_of_discount_points":"4778.40","offer_30_year_fixed_fha_total_fee_amount":"5792.20","offer_30_year_fixed_fha_property_value":"452500.00","offer_30_year_fixed_fha_loan_amount":"362000.00","offer_30_year_fixed_fha_upfront_mortgage_insurance":"6335.00","offer_20_year_fixed_fha_principal_and_interest":"2508.00","offer_20_year_fixed_fha_rate":"5.375","offer_20_year_fixed_fha_apr":"6.315","offer_20_year_fixed_fha_discount_points":"1.505","offer_20_year_fixed_fha_cost_of_discount_points":"5448.10","offer_20_year_fixed_fha_total_fee_amount":"5792.20","offer_20_year_fixed_fha_property_value":"452500.00","offer_20_year_fixed_fha_loan_amount":"362000.00","offer_20_year_fixed_fha_upfront_mortgage_insurance":"6335.00","offer_15_year_fixed_fha_principal_and_interest":"2913.00","offer_15_year_fixed_fha_rate":"5.000","offer_15_year_fixed_fha_apr":"5.772","offer_15_year_fixed_fha_discount_points":"1.446","offer_15_year_fixed_fha_cost_of_discount_points":"5234.52","offer_15_year_fixed_fha_total_fee_amount":"5792.20","offer_15_year_fixed_fha_property_value":"452500.00","offer_15_year_fixed_fha_loan_amount":"362000.00","offer_15_year_fixed_fha_upfront_mortgage_insurance":"6335.00","offer_10_year_fixed_fha_principal_and_interest":"3907.00","offer_10_year_fixed_fha_rate":"5.000","offer_10_year_fixed_fha_apr":"6.050","offer_10_year_fixed_fha_discount_points":"1.446","offer_10_year_fixed_fha_cost_of_discount_points":"5234.52","offer_10_year_fixed_fha_total_fee_amount":"5792.20","offer_10_year_fixed_fha_property_value":"452500.00","offer_10_year_fixed_fha_loan_amount":"362000.00","offer_10_year_fixed_fha_upfront_mortgage_insurance":"6335.00","offer_30_year_fixed_va_principal_and_interest":"2024.00","offer_30_year_fixed_va_rate":"5.250","offer_30_year_fixed_va_apr":"5.548","offer_30_year_fixed_va_discount_points":"1.568","offer_30_year_fixed_va_cost_of_discount_points":"5676.16","offer_30_year_fixed_va_total_fee_amount":"4297.20","offer_30_year_fixed_va_property_value":"452500.00","offer_30_year_fixed_va_loan_amount":"362000.00","offer_30_year_fixed_va_upfront_mortgage_insurance":"4525.00","offer_20_year_fixed_va_principal_and_interest":"2470.00","offer_20_year_fixed_va_rate":"5.250","offer_20_year_fixed_va_apr":"5.666","offer_20_year_fixed_va_discount_points":"1.672","offer_20_year_fixed_va_cost_of_discount_points":"6052.64","offer_20_year_fixed_va_total_fee_amount":"4297.20","offer_20_year_fixed_va_property_value":"452500.00","offer_20_year_fixed_va_loan_amount":"362000.00","offer_20_year_fixed_va_upfront_mortgage_insurance":"4525.00","offer_15_year_fixed_va_principal_and_interest":"2875.00","offer_15_year_fixed_va_rate":"4.875","offer_15_year_fixed_va_apr":"5.377","offer_15_year_fixed_va_discount_points":"1.544","offer_15_year_fixed_va_cost_of_discount_points":"5589.28","offer_15_year_fixed_va_total_fee_amount":"4297.20","offer_15_year_fixed_va_property_value":"452500.00","offer_15_year_fixed_va_loan_amount":"362000.00","offer_15_year_fixed_va_upfront_mortgage_insurance":"4525.00","offer_10_year_fixed_va_principal_and_interest":"3865.00","offer_10_year_fixed_va_rate":"4.875","offer_10_year_fixed_va_apr":"5.592","offer_10_year_fixed_va_discount_points":"1.544","offer_10_year_fixed_va_cost_of_discount_points":"5589.28","offer_10_year_fixed_va_total_fee_amount":"4297.20","offer_10_year_fixed_va_property_value":"452500.00","offer_10_year_fixed_va_loan_amount":"362000.00","offer_10_year_fixed_va_upfront_mortgage_insurance":"4525.00","offer_30_years_principal_and_interest":"2170.00","offer_30_years_rate":"6.000","offer_30_years_apr":"6.226","offer_30_years_discount_points":"1.482","offer_30_years_cost_of_discount_points":"5364.84","offer_30_years_total_fee_amount":"5792.20","offer_30_years_property_value":"452500.00","offer_30_years_loan_amount":"362000.00","offer_30_years_upfront_mortgage_insurance":"0.00","offer_25_years_principal_and_interest":"2332.00","offer_25_years_rate":"6.000","offer_25_years_apr":"6.262","offer_25_years_discount_points":"1.538","offer_25_years_cost_of_discount_points":"5567.56","offer_25_years_total_fee_amount":"5792.20","offer_25_years_property_value":"452500.00","offer_25_years_loan_amount":"362000.00","offer_25_years_upfront_mortgage_insurance":"0.00","offer_20_years_principal_and_interest":"2567.00","offer_20_years_rate":"5.875","offer_20_years_apr":"6.154","offer_20_years_discount_points":"1.324","offer_20_years_cost_of_discount_points":"4792.88","offer_20_years_total_fee_amount":"5792.20","offer_20_years_property_value":"452500.00","offer_20_years_loan_amount":"362000.00","offer_20_years_upfront_mortgage_insurance":"0.00","offer_15_years_principal_and_interest":"2886.00","offer_15_years_rate":"5.125","offer_15_years_apr":"5.507","offer_15_years_discount_points":"1.568","offer_15_years_cost_of_discount_points":"5676.16","offer_15_years_total_fee_amount":"5792.20","offer_15_years_property_value":"452500.00","offer_15_years_loan_amount":"362000.00","offer_15_years_upfront_mortgage_insurance":"0.00","offer_10_years_principal_and_interest":"3862.00","offer_10_years_rate":"5.125","offer_10_years_apr":"5.670","offer_10_years_discount_points":"1.566","offer_10_years_cost_of_discount_points":"5668.92","offer_10_years_total_fee_amount":"5792.20","offer_10_years_property_value":"452500.00","offer_10_years_loan_amount":"362000.00","offer_10_years_upfront_mortgage_insurance":"0.00","offer_26_years_principal_and_interest":"2293.91","offer_26_years_rate":"6.000","offer_26_years_apr":"6.249","offer_26_years_discount_points":"1.482","offer_26_years_cost_of_discount_points":"5364.84","offer_26_years_total_fee_amount":"5792.20","offer_26_years_property_value":"452500.00","offer_26_years_loan_amount":"362000.00","offer_26_years_upfront_mortgage_insurance":"0.00","offer_27_years_principal_and_interest":"2258.83","offer_27_years_rate":"6.000","offer_27_years_apr":"6.242","offer_27_years_discount_points":"1.482","offer_27_years_cost_of_discount_points":"5364.84","offer_27_years_total_fee_amount":"5792.20","offer_27_years_property_value":"452500.00","offer_27_years_loan_amount":"362000.00","offer_27_years_upfront_mortgage_insurance":"0.00","offer_28_years_principal_and_interest":"2226.75","offer_28_years_rate":"6.000","offer_28_years_apr":"6.237","offer_28_years_discount_points":"1.482","offer_28_years_cost_of_discount_points":"5364.84","offer_28_years_total_fee_amount":"5792.20","offer_28_years_property_value":"452500.00","offer_28_years_loan_amount":"362000.00","offer_28_years_upfront_mortgage_insurance":"0.00","offer_29_years_principal_and_interest":"2197.36","offer_29_years_rate":"6.000","offer_29_years_apr":"6.231","offer_29_years_discount_points":"1.482","offer_29_years_cost_of_discount_points":"5364.84","offer_29_years_total_fee_amount":"5792.20","offer_29_years_property_value":"452500.00","offer_29_years_loan_amount":"362000.00","offer_29_years_upfront_mortgage_insurance":"0.00","offer_5/6_arm_principal_and_interest":"2084.00","offer_5/6_arm_rate":"5.625","offer_5/6_arm_apr":"6.488","offer_5/6_arm_discount_points":"1.462","offer_5/6_arm_cost_of_discount_points":"5292.44","offer_5/6_arm_total_fee_amount":"5792.20","offer_5/6_arm_property_value":"452500.00","offer_5/6_arm_loan_amount":"362000.00","offer_5/6_arm_upfront_mortgage_insurance":"0.00","offer_7/6_arm_principal_and_interest":"2113.00","offer_7/6_arm_rate":"5.750","offer_7/6_arm_apr":"6.422","offer_7/6_arm_discount_points":"1.411","offer_7/6_arm_cost_of_discount_points":"5107.82","offer_7/6_arm_total_fee_amount":"5792.20","offer_7/6_arm_property_value":"452500.00","offer_7/6_arm_loan_amount":"362000.00","offer_7/6_arm_upfront_mortgage_insurance":"0.00","offer_10/6_arm_principal_and_interest":"2113.00","offer_10/6_arm_rate":"5.750","offer_10/6_arm_apr":"6.305","offer_10/6_arm_discount_points":"1.605","offer_10/6_arm_cost_of_discount_points":"5810.10","offer_10/6_arm_total_fee_amount":"5792.20","offer_10/6_arm_property_value":"452500.00","offer_10/6_arm_loan_amount":"362000.00","offer_10/6_arm_upfront_mortgage_insurance":"0.00","as_of_date":"2025-12-17"}.offer_20_years_rate}%`}, LTV 80% is $2567.00 for full Principal and Interest Payments with $4792.88 due at closing. The Annual Percentage Rate is 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st_of_discount_points":"5676.16","offer_15_years_total_fee_amount":"5792.20","offer_15_years_property_value":"452500.00","offer_15_years_loan_amount":"362000.00","offer_15_years_upfront_mortgage_insurance":"0.00","offer_10_years_principal_and_interest":"3862.00","offer_10_years_rate":"5.125","offer_10_years_apr":"5.670","offer_10_years_discount_points":"1.566","offer_10_years_cost_of_discount_points":"5668.92","offer_10_years_total_fee_amount":"5792.20","offer_10_years_property_value":"452500.00","offer_10_years_loan_amount":"362000.00","offer_10_years_upfront_mortgage_insurance":"0.00","offer_26_years_principal_and_interest":"2293.91","offer_26_years_rate":"6.000","offer_26_years_apr":"6.249","offer_26_years_discount_points":"1.482","offer_26_years_cost_of_discount_points":"5364.84","offer_26_years_total_fee_amount":"5792.20","offer_26_years_property_value":"452500.00","offer_26_years_loan_amount":"362000.00","offer_26_years_upfront_mortgage_insurance":"0.00","offer_27_years_principal_and_interest":"2258.83","offer_27_years_rate":"6.000","offer_27_years_apr":"6.242","offer_27_years_discount_points":"1.482","offer_27_years_cost_of_discount_points":"5364.84","offer_27_years_total_fee_amount":"5792.20","offer_27_years_property_value":"452500.00","offer_27_years_loan_amount":"362000.00","offer_27_years_upfront_mortgage_insurance":"0.00","offer_28_years_principal_and_interest":"2226.75","offer_28_years_rate":"6.000","offer_28_years_apr":"6.237","offer_28_years_discount_points":"1.482","offer_28_years_cost_of_discount_points":"5364.84","offer_28_years_total_fee_amount":"5792.20","offer_28_years_property_value":"452500.00","offer_28_years_loan_amount":"362000.00","offer_28_years_upfront_mortgage_insurance":"0.00","offer_29_years_principal_and_interest":"2197.36","offer_29_years_rate":"6.000","offer_29_years_apr":"6.231","offer_29_years_discount_points":"1.482","offer_29_years_cost_of_discount_points":"5364.84","offer_29_years_total_fee_amount":"5792.20","offer_29_years_property_value":"452500.00","offer_29_years_loan_amount":"362000.00","offer_29_years_upfront_mortgage_insurance":"0.00","offer_5/6_arm_principal_and_interest":"2084.00","offer_5/6_arm_rate":"5.625","offer_5/6_arm_apr":"6.488","offer_5/6_arm_discount_points":"1.462","offer_5/6_arm_cost_of_discount_points":"5292.44","offer_5/6_arm_total_fee_amount":"5792.20","offer_5/6_arm_property_value":"452500.00","offer_5/6_arm_loan_amount":"362000.00","offer_5/6_arm_upfront_mortgage_insurance":"0.00","offer_7/6_arm_principal_and_interest":"2113.00","offer_7/6_arm_rate":"5.750","offer_7/6_arm_apr":"6.422","offer_7/6_arm_discount_points":"1.411","offer_7/6_arm_cost_of_discount_points":"5107.82","offer_7/6_arm_total_fee_amount":"5792.20","offer_7/6_arm_property_value":"452500.00","offer_7/6_arm_loan_amount":"362000.00","offer_7/6_arm_upfront_mortgage_insurance":"0.00","offer_10/6_arm_principal_and_interest":"2113.00","offer_10/6_arm_rate":"5.750","offer_10/6_arm_apr":"6.305","offer_10/6_arm_discount_points":"1.605","offer_10/6_arm_cost_of_discount_points":"5810.10","offer_10/6_arm_total_fee_amount":"5792.20","offer_10/6_arm_property_value":"452500.00","offer_10/6_arm_loan_amount":"362000.00","offer_10/6_arm_upfront_mortgage_insurance":"0.00","as_of_date":"2025-12-17"}.offer_20_years_apr}%`}. No prepayment penalty. Payment shown does not include taxes and insurance. The actual payment amount will be greater. Interest rates and annual percentage rates (APRs) are for informational purposes only and are subject to change without notice.

^* 15-YEAR Payment Example: The payment for a 15-year term, loan amount $362000.00, Rate {`${{"offer_30_year_fixed_fha_principal_and_interest":"2063.00","offer_30_year_fixed_fha_rate":"5.375","offer_30_year_fixed_fha_apr":"6.092","offer_30_year_fixed_fha_discount_points":"1.320","offer_30_year_fixed_fha_cost_of_discount_points":"4778.40","offer_30_year_fixed_fha_total_fee_amount":"5792.20","offer_30_year_fixed_fha_property_value":"452500.00","offer_30_year_fixed_fha_loan_amount":"362000.00","offer_30_year_fixed_fha_upfront_mortgage_insurance":"6335.00","offer_20_year_fixed_fha_principal_and_interest":"2508.00","offer_20_year_fixed_fha_rate":"5.375","offer_20_year_fixed_fha_apr":"6.315","offer_20_year_fixed_fha_discount_points":"1.505","offer_20_year_fixed_fha_cost_of_discount_points":"5448.10","offer_20_year_fixed_fha_total_fee_amount":"5792.20","offer_20_year_fixed_fha_property_value":"452500.00","offer_20_year_fixed_fha_loan_amount":"362000.00","offer_20_year_fixed_fha_upfront_mortgage_insurance":"6335.00","offer_15_year_fixed_fha_principal_and_interest":"2913.00","offer_15_year_fixed_fha_rate":"5.000","offer_15_year_fixed_fha_apr":"5.772","offer_15_year_fixed_fha_discount_points":"1.446","offer_15_year_fixed_fha_cost_of_discount_points":"5234.52","offer_15_year_fixed_fha_total_fee_amount":"5792.20","offer_15_year_fixed_fha_property_value":"452500.00","offer_15_year_fixed_fha_loan_amount":"362000.00","offer_15_year_fixed_fha_upfront_mortgage_insurance":"6335.00","offer_10_year_fixed_fha_principal_and_interest":"3907.00","offer_10_year_fixed_fha_rate":"5.000","offer_10_year_fixed_fha_apr":"6.050","offer_10_year_fixed_fha_discount_points":"1.446","offer_10_year_fixed_fha_cost_of_discount_points":"5234.52","offer_10_year_fixed_fha_total_fee_amount":"5792.20","offer_10_year_fixed_fha_property_value":"452500.00","offer_10_year_fixed_fha_loan_amount":"362000.00","offer_10_year_fixed_fha_upfront_mortgage_insurance":"6335.00","offer_30_year_fixed_va_principal_and_interest":"2024.00","offer_30_year_fixed_va_rate":"5.250","offer_30_year_fixed_va_apr":"5.548","offer_30_year_fixed_va_discount_points":"1.568","offer_30_year_fixed_va_cost_of_discount_points":"5676.16","offer_30_year_fixed_va_total_fee_amount":"4297.20","offer_30_year_fixed_va_property_value":"452500.00","offer_30_year_fixed_va_loan_amount":"362000.00","offer_30_year_fixed_va_upfront_mortgage_insurance":"4525.00","offer_20_year_fixed_va_principal_and_interest":"2470.00","offer_20_year_fixed_va_rate":"5.250","offer_20_year_fixed_va_apr":"5.666","offer_20_year_fixed_va_discount_points":"1.672","offer_20_year_fixed_va_cost_of_discount_points":"6052.64","offer_20_year_fixed_va_total_fee_amount":"4297.20","offer_20_year_fixed_va_property_value":"452500.00","offer_20_year_fixed_va_loan_amount":"362000.00","offer_20_year_fixed_va_upfront_mortgage_insurance":"4525.00","offer_15_year_fixed_va_principal_and_interest":"2875.00","offer_15_year_fixed_va_rate":"4.875","offer_15_year_fixed_va_apr":"5.377","offer_15_year_fixed_va_discount_points":"1.544","offer_15_year_fixed_va_cost_of_discount_points":"5589.28","offer_15_year_fixed_va_total_fee_amount":"4297.20","offer_15_year_fixed_va_property_value":"452500.00","offer_15_year_fixed_va_loan_amount":"362000.00","offer_15_year_fixed_va_upfront_mortgage_insurance":"4525.00","offer_10_year_fixed_va_principal_and_interest":"3865.00","offer_10_year_fixed_va_rate":"4.875","offer_10_year_fixed_va_apr":"5.592","offer_10_year_fixed_va_discount_points":"1.544","offer_10_year_fixed_va_cost_of_discount_points":"5589.28","offer_10_year_fixed_va_total_fee_amount":"4297.20","offer_10_year_fixed_va_property_value":"452500.00","offer_10_year_fixed_va_loan_amount":"362000.00","offer_10_year_fixed_va_upfront_mortgage_insurance":"4525.00","offer_30_years_principal_and_interest":"2170.00","offer_30_years_rate":"6.000","offer_30_years_apr":"6.226","offer_30_years_discount_points":"1.482","offer_30_years_cost_of_discount_points":"5364.84","offer_30_years_total_fee_amount":"5792.20","offer_30_years_property_value":"452500.00","offer_30_years_loan_amount":"362000.00","offer_30_years_upfront_mortgage_insurance":"0.00","offer_25_years_principal_and_interest":"2332.00","offer_25_years_rate":"6.000","offer_25_years_apr":"6.262","offer_25_years_discount_points":"1.538","offer_25_years_cost_of_discount_points":"5567.56","offer_25_years_total_fee_amount":"5792.20","offer_25_years_property_value":"452500.00","offer_25_years_loan_amount":"362000.00","offer_25_years_upfront_mortgage_insurance":"0.00","offer_20_years_principal_and_interest":"2567.00","offer_20_years_rate":"5.875","offer_20_years_apr":"6.154","offer_20_years_discount_points":"1.324","offer_20_years_cost_of_discount_points":"4792.88","offer_20_years_total_fee_amount":"5792.20","offer_20_years_property_value":"452500.00","offer_20_years_loan_amount":"362000.00","offer_20_years_upfront_mortgage_insurance":"0.00","offer_15_years_principal_and_interest":"2886.00","offer_15_years_rate":"5.125","offer_15_years_apr":"5.507","offer_15_years_discount_points":"1.568","offer_15_years_cost_of_discount_points":"5676.16","offer_15_years_total_fee_amount":"5792.20","offer_15_years_property_value":"452500.00","offer_15_years_loan_amount":"362000.00","offer_15_years_upfront_mortgage_insurance":"0.00","offer_10_years_principal_and_interest":"3862.00","offer_10_years_rate":"5.125","offer_10_years_apr":"5.670","offer_10_years_discount_points":"1.566","offer_10_years_cost_of_discount_points":"5668.92","offer_10_years_total_fee_amount":"5792.20","offer_10_years_property_value":"452500.00","offer_10_years_loan_amount":"362000.00","offer_10_years_upfront_mortgage_insurance":"0.00","offer_26_years_principal_and_interest":"2293.91","offer_26_years_rate":"6.000","offer_26_years_apr":"6.249","offer_26_years_discount_points":"1.482","offer_26_years_cost_of_discount_points":"5364.84","offer_26_years_total_fee_amount":"5792.20","offer_26_years_property_value":"452500.00","offer_26_years_loan_amount":"362000.00","offer_26_years_upfront_mortgage_insurance":"0.00","offer_27_years_principal_and_interest":"2258.83","offer_27_years_rate":"6.000","offer_27_years_apr":"6.242","offer_27_years_discount_points":"1.482","offer_27_years_cost_of_discount_points":"5364.84","offer_27_years_total_fee_amount":"5792.20","offer_27_years_property_value":"452500.00","offer_27_years_loan_amount":"362000.00","offer_27_years_upfront_mortgage_insurance":"0.00","offer_28_years_principal_and_interest":"2226.75","offer_28_years_rate":"6.000","offer_28_years_apr":"6.237","offer_28_years_discount_points":"1.482","offer_28_years_cost_of_discount_points":"5364.84","offer_28_years_total_fee_amount":"5792.20","offer_28_years_property_value":"452500.00","offer_28_years_loan_amount":"362000.00","offer_28_years_upfront_mortgage_insurance":"0.00","offer_29_years_principal_and_interest":"2197.36","offer_29_years_rate":"6.000","offer_29_years_apr":"6.231","offer_29_years_discount_points":"1.482","offer_29_years_cost_of_discount_points":"5364.84","offer_29_years_total_fee_amount":"5792.20","offer_29_years_property_value":"452500.00","offer_29_years_loan_amount":"362000.00","offer_29_years_upfront_mortgage_insurance":"0.00","offer_5/6_arm_principal_and_interest":"2084.00","offer_5/6_arm_rate":"5.625","offer_5/6_arm_apr":"6.488","offer_5/6_arm_discount_points":"1.462","offer_5/6_arm_cost_of_discount_points":"5292.44","offer_5/6_arm_total_fee_amount":"5792.20","offer_5/6_arm_property_value":"452500.00","offer_5/6_arm_loan_amount":"362000.00","offer_5/6_arm_upfront_mortgage_insurance":"0.00","offer_7/6_arm_principal_and_interest":"2113.00","offer_7/6_arm_rate":"5.750","offer_7/6_arm_apr":"6.422","offer_7/6_arm_discount_points":"1.411","offer_7/6_arm_cost_of_discount_points":"5107.82","offer_7/6_arm_total_fee_amount":"5792.20","offer_7/6_arm_property_value":"452500.00","offer_7/6_arm_loan_amount":"362000.00","offer_7/6_arm_upfront_mortgage_insurance":"0.00","offer_10/6_arm_principal_and_interest":"2113.00","offer_10/6_arm_rate":"5.750","offer_10/6_arm_apr":"6.305","offer_10/6_arm_discount_points":"1.605","offer_10/6_arm_cost_of_discount_points":"5810.10","offer_10/6_arm_total_fee_amount":"5792.20","offer_10/6_arm_property_value":"452500.00","offer_10/6_arm_loan_amount":"362000.00","offer_10/6_arm_upfront_mortgage_insurance":"0.00","as_of_date":"2025-12-17"}.offer_15_years_rate}%`}, LTV 80% is $2886.00 for full Principal and Interest Payments with $5676.16 due at closing. The Annual Percentage Rate is 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st_of_discount_points":"5676.16","offer_15_years_total_fee_amount":"5792.20","offer_15_years_property_value":"452500.00","offer_15_years_loan_amount":"362000.00","offer_15_years_upfront_mortgage_insurance":"0.00","offer_10_years_principal_and_interest":"3862.00","offer_10_years_rate":"5.125","offer_10_years_apr":"5.670","offer_10_years_discount_points":"1.566","offer_10_years_cost_of_discount_points":"5668.92","offer_10_years_total_fee_amount":"5792.20","offer_10_years_property_value":"452500.00","offer_10_years_loan_amount":"362000.00","offer_10_years_upfront_mortgage_insurance":"0.00","offer_26_years_principal_and_interest":"2293.91","offer_26_years_rate":"6.000","offer_26_years_apr":"6.249","offer_26_years_discount_points":"1.482","offer_26_years_cost_of_discount_points":"5364.84","offer_26_years_total_fee_amount":"5792.20","offer_26_years_property_value":"452500.00","offer_26_years_loan_amount":"362000.00","offer_26_years_upfront_mortgage_insurance":"0.00","offer_27_years_principal_and_interest":"2258.83","offer_27_years_rate":"6.000","offer_27_years_apr":"6.242","offer_27_years_discount_points":"1.482","offer_27_years_cost_of_discount_points":"5364.84","offer_27_years_total_fee_amount":"5792.20","offer_27_years_property_value":"452500.00","offer_27_years_loan_amount":"362000.00","offer_27_years_upfront_mortgage_insurance":"0.00","offer_28_years_principal_and_interest":"2226.75","offer_28_years_rate":"6.000","offer_28_years_apr":"6.237","offer_28_years_discount_points":"1.482","offer_28_years_cost_of_discount_points":"5364.84","offer_28_years_total_fee_amount":"5792.20","offer_28_years_property_value":"452500.00","offer_28_years_loan_amount":"362000.00","offer_28_years_upfront_mortgage_insurance":"0.00","offer_29_years_principal_and_interest":"2197.36","offer_29_years_rate":"6.000","offer_29_years_apr":"6.231","offer_29_years_discount_points":"1.482","offer_29_years_cost_of_discount_points":"5364.84","offer_29_years_total_fee_amount":"5792.20","offer_29_years_property_value":"452500.00","offer_29_years_loan_amount":"362000.00","offer_29_years_upfront_mortgage_insurance":"0.00","offer_5/6_arm_principal_and_interest":"2084.00","offer_5/6_arm_rate":"5.625","offer_5/6_arm_apr":"6.488","offer_5/6_arm_discount_points":"1.462","offer_5/6_arm_cost_of_discount_points":"5292.44","offer_5/6_arm_total_fee_amount":"5792.20","offer_5/6_arm_property_value":"452500.00","offer_5/6_arm_loan_amount":"362000.00","offer_5/6_arm_upfront_mortgage_insurance":"0.00","offer_7/6_arm_principal_and_interest":"2113.00","offer_7/6_arm_rate":"5.750","offer_7/6_arm_apr":"6.422","offer_7/6_arm_discount_points":"1.411","offer_7/6_arm_cost_of_discount_points":"5107.82","offer_7/6_arm_total_fee_amount":"5792.20","offer_7/6_arm_property_value":"452500.00","offer_7/6_arm_loan_amount":"362000.00","offer_7/6_arm_upfront_mortgage_insurance":"0.00","offer_10/6_arm_principal_and_interest":"2113.00","offer_10/6_arm_rate":"5.750","offer_10/6_arm_apr":"6.305","offer_10/6_arm_discount_points":"1.605","offer_10/6_arm_cost_of_discount_points":"5810.10","offer_10/6_arm_total_fee_amount":"5792.20","offer_10/6_arm_property_value":"452500.00","offer_10/6_arm_loan_amount":"362000.00","offer_10/6_arm_upfront_mortgage_insurance":"0.00","as_of_date":"2025-12-17"}.offer_20_years_apr}%`}. No prepayment penalty. Payment shown does not include taxes and insurance. The actual payment amount will be greater. Interest rates and annual percentage rates (APRs) are for informational purposes only and are subject to change without notice.

^* 10-YEAR Payment Example: The payment for a 10-year term, loan amount $362000.00, Rate {`${{"offer_30_year_fixed_fha_principal_and_interest":"2063.00","offer_30_year_fixed_fha_rate":"5.375","offer_30_year_fixed_fha_apr":"6.092","offer_30_year_fixed_fha_discount_points":"1.320","offer_30_year_fixed_fha_cost_of_discount_points":"4778.40","offer_30_year_fixed_fha_total_fee_amount":"5792.20","offer_30_year_fixed_fha_property_value":"452500.00","offer_30_year_fixed_fha_loan_amount":"362000.00","offer_30_year_fixed_fha_upfront_mortgage_insurance":"6335.00","offer_20_year_fixed_fha_principal_and_interest":"2508.00","offer_20_year_fixed_fha_rate":"5.375","offer_20_year_fixed_fha_apr":"6.315","offer_20_year_fixed_fha_discount_points":"1.505","offer_20_year_fixed_fha_cost_of_discount_points":"5448.10","offer_20_year_fixed_fha_total_fee_amount":"5792.20","offer_20_year_fixed_fha_property_value":"452500.00","offer_20_year_fixed_fha_loan_amount":"362000.00","offer_20_year_fixed_fha_upfront_mortgage_insurance":"6335.00","offer_15_year_fixed_fha_principal_and_interest":"2913.00","offer_15_year_fixed_fha_rate":"5.000","offer_15_year_fixed_fha_apr":"5.772","offer_15_year_fixed_fha_discount_points":"1.446","offer_15_year_fixed_fha_cost_of_discount_points":"5234.52","offer_15_year_fixed_fha_total_fee_amount":"5792.20","offer_15_year_fixed_fha_property_value":"452500.00","offer_15_year_fixed_fha_loan_amount":"362000.00","offer_15_year_fixed_fha_upfront_mortgage_insurance":"6335.00","offer_10_year_fixed_fha_principal_and_interest":"3907.00","offer_10_year_fixed_fha_rate":"5.000","offer_10_year_fixed_fha_apr":"6.050","offer_10_year_fixed_fha_discount_points":"1.446","offer_10_year_fixed_fha_cost_of_discount_points":"5234.52","offer_10_year_fixed_fha_total_fee_amount":"5792.20","offer_10_year_fixed_fha_property_value":"452500.00","offer_10_year_fixed_fha_loan_amount":"362000.00","offer_10_year_fixed_fha_upfront_mortgage_insurance":"6335.00","offer_30_year_fixed_va_principal_and_interest":"2024.00","offer_30_year_fixed_va_rate":"5.250","offer_30_year_fixed_va_apr":"5.548","offer_30_year_fixed_va_discount_points":"1.568","offer_30_year_fixed_va_cost_of_discount_points":"5676.16","offer_30_year_fixed_va_total_fee_amount":"4297.20","offer_30_year_fixed_va_property_value":"452500.00","offer_30_year_fixed_va_loan_amount":"362000.00","offer_30_year_fixed_va_upfront_mortgage_insurance":"4525.00","offer_20_year_fixed_va_principal_and_interest":"2470.00","offer_20_year_fixed_va_rate":"5.250","offer_20_year_fixed_va_apr":"5.666","offer_20_year_fixed_va_discount_points":"1.672","offer_20_year_fixed_va_cost_of_discount_points":"6052.64","offer_20_year_fixed_va_total_fee_amount":"4297.20","offer_20_year_fixed_va_property_value":"452500.00","offer_20_year_fixed_va_loan_amount":"362000.00","offer_20_year_fixed_va_upfront_mortgage_insurance":"4525.00","offer_15_year_fixed_va_principal_and_interest":"2875.00","offer_15_year_fixed_va_rate":"4.875","offer_15_year_fixed_va_apr":"5.377","offer_15_year_fixed_va_discount_points":"1.544","offer_15_year_fixed_va_cost_of_discount_points":"5589.28","offer_15_year_fixed_va_total_fee_amount":"4297.20","offer_15_year_fixed_va_property_value":"452500.00","offer_15_year_fixed_va_loan_amount":"362000.00","offer_15_year_fixed_va_upfront_mortgage_insurance":"4525.00","offer_10_year_fixed_va_principal_and_interest":"3865.00","offer_10_year_fixed_va_rate":"4.875","offer_10_year_fixed_va_apr":"5.592","offer_10_year_fixed_va_discount_points":"1.544","offer_10_year_fixed_va_cost_of_discount_points":"5589.28","offer_10_year_fixed_va_total_fee_amount":"4297.20","offer_10_year_fixed_va_property_value":"452500.00","offer_10_year_fixed_va_loan_amount":"362000.00","offer_10_year_fixed_va_upfront_mortgage_insurance":"4525.00","offer_30_years_principal_and_interest":"2170.00","offer_30_years_rate":"6.000","offer_30_years_apr":"6.226","offer_30_years_discount_points":"1.482","offer_30_years_cost_of_discount_points":"5364.84","offer_30_years_total_fee_amount":"5792.20","offer_30_years_property_value":"452500.00","offer_30_years_loan_amount":"362000.00","offer_30_years_upfront_mortgage_insurance":"0.00","offer_25_years_principal_and_interest":"2332.00","offer_25_years_rate":"6.000","offer_25_years_apr":"6.262","offer_25_years_discount_points":"1.538","offer_25_years_cost_of_discount_points":"5567.56","offer_25_years_total_fee_amount":"5792.20","offer_25_years_property_value":"452500.00","offer_25_years_loan_amount":"362000.00","offer_25_years_upfront_mortgage_insurance":"0.00","offer_20_years_principal_and_interest":"2567.00","offer_20_years_rate":"5.875","offer_20_years_apr":"6.154","offer_20_years_discount_points":"1.324","offer_20_years_cost_of_discount_points":"4792.88","offer_20_years_total_fee_amount":"5792.20","offer_20_years_property_value":"452500.00","offer_20_years_loan_amount":"362000.00","offer_20_years_upfront_mortgage_insurance":"0.00","offer_15_years_principal_and_interest":"2886.00","offer_15_years_rate":"5.125","offer_15_years_apr":"5.507","offer_15_years_discount_points":"1.568","offer_15_years_cost_of_discount_points":"5676.16","offer_15_years_total_fee_amount":"5792.20","offer_15_years_property_value":"452500.00","offer_15_years_loan_amount":"362000.00","offer_15_years_upfront_mortgage_insurance":"0.00","offer_10_years_principal_and_interest":"3862.00","offer_10_years_rate":"5.125","offer_10_years_apr":"5.670","offer_10_years_discount_points":"1.566","offer_10_years_cost_of_discount_points":"5668.92","offer_10_years_total_fee_amount":"5792.20","offer_10_years_property_value":"452500.00","offer_10_years_loan_amount":"362000.00","offer_10_years_upfront_mortgage_insurance":"0.00","offer_26_years_principal_and_interest":"2293.91","offer_26_years_rate":"6.000","offer_26_years_apr":"6.249","offer_26_years_discount_points":"1.482","offer_26_years_cost_of_discount_points":"5364.84","offer_26_years_total_fee_amount":"5792.20","offer_26_years_property_value":"452500.00","offer_26_years_loan_amount":"362000.00","offer_26_years_upfront_mortgage_insurance":"0.00","offer_27_years_principal_and_interest":"2258.83","offer_27_years_rate":"6.000","offer_27_years_apr":"6.242","offer_27_years_discount_points":"1.482","offer_27_years_cost_of_discount_points":"5364.84","offer_27_years_total_fee_amount":"5792.20","offer_27_years_property_value":"452500.00","offer_27_years_loan_amount":"362000.00","offer_27_years_upfront_mortgage_insurance":"0.00","offer_28_years_principal_and_interest":"2226.75","offer_28_years_rate":"6.000","offer_28_years_apr":"6.237","offer_28_years_discount_points":"1.482","offer_28_years_cost_of_discount_points":"5364.84","offer_28_years_total_fee_amount":"5792.20","offer_28_years_property_value":"452500.00","offer_28_years_loan_amount":"362000.00","offer_28_years_upfront_mortgage_insurance":"0.00","offer_29_years_principal_and_interest":"2197.36","offer_29_years_rate":"6.000","offer_29_years_apr":"6.231","offer_29_years_discount_points":"1.482","offer_29_years_cost_of_discount_points":"5364.84","offer_29_years_total_fee_amount":"5792.20","offer_29_years_property_value":"452500.00","offer_29_years_loan_amount":"362000.00","offer_29_years_upfront_mortgage_insurance":"0.00","offer_5/6_arm_principal_and_interest":"2084.00","offer_5/6_arm_rate":"5.625","offer_5/6_arm_apr":"6.488","offer_5/6_arm_discount_points":"1.462","offer_5/6_arm_cost_of_discount_points":"5292.44","offer_5/6_arm_total_fee_amount":"5792.20","offer_5/6_arm_property_value":"452500.00","offer_5/6_arm_loan_amount":"362000.00","offer_5/6_arm_upfront_mortgage_insurance":"0.00","offer_7/6_arm_principal_and_interest":"2113.00","offer_7/6_arm_rate":"5.750","offer_7/6_arm_apr":"6.422","offer_7/6_arm_discount_points":"1.411","offer_7/6_arm_cost_of_discount_points":"5107.82","offer_7/6_arm_total_fee_amount":"5792.20","offer_7/6_arm_property_value":"452500.00","offer_7/6_arm_loan_amount":"362000.00","offer_7/6_arm_upfront_mortgage_insurance":"0.00","offer_10/6_arm_principal_and_interest":"2113.00","offer_10/6_arm_rate":"5.750","offer_10/6_arm_apr":"6.305","offer_10/6_arm_discount_points":"1.605","offer_10/6_arm_cost_of_discount_points":"5810.10","offer_10/6_arm_total_fee_amount":"5792.20","offer_10/6_arm_property_value":"452500.00","offer_10/6_arm_loan_amount":"362000.00","offer_10/6_arm_upfront_mortgage_insurance":"0.00","as_of_date":"2025-12-17"}.offer_10_years_rate}%`}, LTV 80% is $3862.00 for full Principal and Interest Payments with $5668.92 due at closing. The Annual Percentage Rate is 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