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  • The advertised loan is a 5/1 ARM (Adjustable Rate Mortgage) with a 30-year fully amortizing term from actual offers posted to consumers by Network Lenders.
  • After the initial period, the variable interest rate and payment will adjust every year and equal the total of the 12-month LIBOR index (1.92% as of 13-Dec-19) plus a margin of 1.95%.
  • The maximum periodic change in the interest rate is 2% with a maximum rate increase of % above the initial interest rate.
  • If the interest rate adjusted to the maximum rate (which could not occur until after the fifth year), the maximum monthly payment for each loan amount would be: $1272.42 for $175,000; $1442.84 for $200,000; $1,609.94 for $225,000; $1803.55 for $250,000; $2812.28 for $400,000.
  • There is no prepayment penalty.
  • The Annual Percentage Rate (APR) is variable and is subject to increase or decrease, so your payments may increase or decrease each year after the initial period.
  • The chart below shows the interest rate, APR, and the initial monthly payments:

    Payment Examples

    Loan Amount Initial

    Interest Rate

    (for 60 months)

    APR Initial Monthly

    Payments

    (for 60 months)

    $175,000 N/A% N/A% $738
    $200,000 2.625% 2.863% $830
    $225,000 3% 3.08% $964
    $250,000 2.875% 3.117% $1037
    $400,000 2.625% 2.826% $1607

 

  • Disclosure Assumptions
  • Interest rate quoted assumes a FICO score of 720 with a maximum loan-to-value ratio of 80% on a primary residence.
  • The actual interest rate, APR and payment may vary based on the specific terms of the loan selected, verification of information, your credit history, the location and type of property and other factors as determined by Lenders.
  • The initial interest rate is fixed for 5 years. The disclosed APR is based on 0 discount points, 0%% origination fee and additional prepaid finance charges which will be due at closing. First adjusted payment will likely increase to approximately 1,239.35.
  • Interest rate and APR are variable and subject to increase
  • Not available in all states.
  • Rates are subject to change daily without notice.
  • Payment amounts shown do not include taxes or insurance.
  • The advertised loan is a 15-year fixed rate full amortizing loan, assuming a $225,000 loan amount and a 2% interest rate.
  • This loan has 180 monthly principal and interest payments of $1448. The disclosed APR is based on 0 discount points, 0% origination fee and $ in additional prepaid finance charges due at closing.
  • The Annual Percentage Rate (APR) is 2.337%.
  • Disclosure Assumptions

  • Interest rate quoted assumes a FICO score of 720 with a maximum loan-to-value ratio of 80% on a primary residence.
  • The actual interest rate, APR and payment may vary based on the specific terms of the loan selected, verification of information, your credit history, the location and type of property and other factors as determined by Lenders.
  • Not available in all states.
  • Rates are subject to change daily without notice.
  • Payment amounts shown do not include taxes or insurance.
  • The advertised loan is a 30-year fixed rate fully amortizing loan, assuming a $225,000 loan amount and a 2% interest rate.
  • This loan has 360 monthly principal and interest payments of $832. The disclosed APR is based on 0 discount points, 0% origination fee and $ in additional prepaid finance charges due at closing.
  • The Annual Percentage Rate (APR) is 2.362%.
  • Disclosure Assumptions

  • Interest rate quoted assumes a FICO score of 720 with a maximum loan-to-value ratio of 80% on a primary residence.
  • The actual interest rate, APR and payment may vary based on the specific terms of the loan selected, verification of information, your credit history, the location and type of property and other factors as determined by Lenders.
  • Not available in all states.
  • Rates are subject to change daily without notice.
  • Payment amounts shown do not include taxes or insurance.
LendingTree Advertisement Disclosure (last updated June 8, 2018): LENDINGTREE, LLC IS A MARKETING LEAD GENERATOR AND IS A DULY LICENSED MORTGAGE BROKER, AS REQUIRED BY LAW, WITH ITS MAIN OFFICE LOCATED AT 11115 RUSHMORE DR., CHARLOTTE, NC 28277, TELEPHONE NUMBER 1-800-555-8733. For a current list of applicable state licensing and disclosures, click Licenses and Disclosures or call for details. LendingTree, LLC NMLS Unique Identifier # 1136, AK Mortgage Broker/Lender License #AK1136; AZ Mortgage Broker, License #'s MB-0902469 and MB-0909882; California Dept. of Corporations, California Finance Lenders Law License No. 6037234; CO Mortgage Company Registration Regulated by the Division of Real Estate; CT Mortgage Broker, License #4164 - MORTGAGE BROKER ONLY, NOT A MORTGAGE LENDER OR MORTGAGE CORRESPONDENT LENDER; Georgia Mortgage Broker/Processor License #12989; Illinois Residential Mortgage License #0005433; Kansas Mortgage Company License #MC.0002279; MA Mortgage Broker License #MB1136 - We arrange but do not make loans; ME Loan Broker License #CSO06321; Licensed by the Mississippi Department of Banking and Consumer Finance as a Mortgage Broker License #1136; MO Mortgage Broker License #10-1261, 727 N. First Street, Suite 310, Saint Louis, Missouri 63102; MT Mortgage Broker, License #1097; Licensed by the New Hampshire Banking Department; NJ Residential Mortgage Broker License # 0801779 - broker will not make any mortgage loan commitments or fund any mortgage loans; NV Mortgage Broker License #1698; LT Technologies in lieu of true name LendingTree, LLC, Registered Mortgage Broker-- NYS Department of Financial Services License #A004890 - Broker arranges mortgage loans with third-party providers; OH Mortgage Broker License #MB.802159.000, 7494 Preserve Place, West Chester, OH 05069; OR Mortgage Lending License #ML-1862; PA Licensed Mortgage Broker by the PA Department of Banking #20298; Rhode Island Licensed Loan Broker #20062113LB; Texas Mortgage Company License Unique Identifier #1136, Mr. Shan Guo #300978, Residential Mortgage Loan Originator at 1312 Village Creek Drive Suite 900, Plano TX 75093; VA Mortgage Broker License #MC-1052, Licensed by the Virginia State Corporation Commission; WA Mortgage Broker License #MB1136. Advertised Terms and Information
  • The information and disclosures above relate to advertised terms made by or through LendingTree.
  • Interest rates and terms are from a lender or lenders with whom LendingTree may match you and that offer the particular product. The disclosures are current as of the date indicated.
  • LendingTree is not a lender in any transaction and does not make loans, loan commitments or lock-rates. All credit decisions, including loan approval and the conditional rates and terms you are offered, are the responsibility of the participating lenders and will vary based upon your loan request, your particular financial situation, and criteria determined by the lenders to whom you are matched. Not all consumers will qualify for the advertised rates and terms.¬†APR may be in lieu of rebates or incentives. Dealer participation may affect consumer cost.
  • You may not be matched with a lender making a particular conditional loan offer, and LendingTree does not guarantee that any lender will make you a conditional loan offer. LendingTree arranges for multiple conditional loan offers through its network of nonaffiliated lenders. See the Terms of Use Agreement for more details. The Terms of Use Agreement governs these advertised Terms and Information.
  • FICO score means the FICO credit score report that a lender receives from a consumer reporting agency.