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RATES DISCLAIMER *The rates, points and APR's shown above are quoted on conforming loan amounts of $195,000 to $417,000 for a single family residence with a down-payment of 20% or more and are subject to change without notice. Rate, points and APR may be adjusted based on several factors including but not limited to loan amount, documentation type, loan type, occupancy type, property type, loan-to-value and your credit score. Your final rate and points may be higher or lower than those quoted based on information relating to these factors, which may be determined after you complete an application. **The annual percentage rate (APR), is the cost of credit over the term of the loan expressed as an annual rate. The APR shown here is based on interest rates and points only and does not take into account other loan specific finance charges you may be required to pay.