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The APR lets you compare mortgages of the same dollar amount by considering their total annual cost.
Your monthly mortgage payment is typically made up of four parts: Depending upon your property location, property type, and loan amount, you may have other monthly or annual expenses such as mortgage insurance, flood insurance, or homeowner association fees.
Do you have enough funds for a down payment (if you're buying a home) and closing costs?
What is the market value of the property you want to finance?
Check today's rates to see our current interest rates.We will order a property appraisal to make sure the value of your property meets our underwriting requirements.We approve applications where we believe the borrower has the ability to repay according to the terms of the financing.It's easy, fast, and secure to apply: Before you start the home equity application, have the following information on hand: There is no fee to submit a home equity application.For closing cost fees, you can select the home equity closing cost option that meets your needs.The total cost of a mortgage is reflected by the interest rate, discount points, fees, and origination charges.This total cost is known as the annual percentage rate (APR), which is typically higher than the interest rate.Like many homebuyers, you may have been attracted to the low initial interest rate of an adjustable-rate mortgage (ARM).While adjustable-rate mortgages may have lower initial interest rates than fixed-rate mortgages, the initial interest rate is only for a set period of time.However, on loans for newly built homes, you also have the option of choosing our Extended Rate Lock program can help protect you from changing interest rates. Lock in your interest rate range anywhere from 5 to 24 months depending on the type of loan you select. Talk to a home mortgage consultant about this possibility.With a required, non-refundable extended lock fee, you can lock down a range of interest rates and focus on what really matters most — building your new home. Visit Buy a New Construction Home for more information.