Legal Assumptions

• Annual Percentage Rate (APR) on first mortgage product calculations assume single-family, detached, owner-occupied primary residence; a loan-to-value ratio of less than 90%; and a loan amount of $200,000 for conforming loans or $650,000 for jumbo loans, unless otherwise specified.
• Annual Percentage Rate (APR) on second mortgage product calculations assume single-family, detached, owner-occupied primary residence; a loan-to-value ratio of less than 80% on the fixed rate second product and HELOC product, 125% on the No Equity program and a loan amount of $50,000, unless otherwise specified.
• Annual Percentage Rate (APR) calculations assume no subordinate financing and that the borrower will provide full income documentation.
• On California purchase-money loan transactions, Bottomline Mortgage does not include fees for: title exam, abstract of title, title insurance, property survey, title policy endorsements or outside escrow company charges. These costs must be paid for by the consumer in addition to the Bottomline Mortgage fees.
• Available first and second mortgage rates and fees may vary depending on your property's location.
• Rates may be higher for loan amounts under $100,000 and over $650,000. Please call for details.
• Rates are subject to change without notice.
• Closing Costs assume that borrower will escrow monthly property tax and insurance payments.
• Restrictions may apply.
• Subject to underwriter approval; not all applicants will be approved.
• Fees and charges apply.
• Taxes and insurance are extra.