Refinance with Zero Closing Costs
There is no better time than now to save on your mortgage
Refinance today with Zero Closing Costs1 and no out-of-pocket costs, including:
| • No appraisal fee • No origination fees |
• No prepayment penalties • No application processing fees |
| FIXED-RATE MORTGAGE RATES | |||
|---|---|---|---|
| Loan Term* | Rate | Points | Annual Percentage Rate |
| 30 Year | 3.75% | 0.000% | 3.75% |
1 = No closing costs means no: origination fees/ points, application fees, flood check fees, credit report fees, appraisal fees, mortgage recording fees, escrow fees, and title fees.
* Subject to credit approval. Valid on 30-year refinance Conventional Mortgage at a fixed rate. Owner-occupied, primary residential properties only. Conventional payment example: A loan amount of $250,000 at 3.75% APR would have a monthly payment of $1,157.79. This does not include taxes and insurance. Your actual payment obligation will be higher if taxes and insurance are included in the monthly payment. Must be a resident of Tulare County, Solano or San Joaquin County.
Understanding Our Zero Closing Cost Mortgage
|
Here’s What is Covered
There will be no charge for Non-recurring Closing Costs:
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Here’s What is Not Covered
These are borrower paid recurring Closing Costs:
|
|---|---|
|
• Appraisal and any applicable re-inspection • Credit Report • Flood Certification and Monitoring • Document Fee • Processing Fee • Underwriting Fee • Reconveyance Fee • Application Fee • Discount Points • Tax Service Contract • Escrow Fee • Title Insurance Fee • Notary • Wire Fee |
• Homeowner’s Insurance Premium • Set up of Impound Account (reserves for Property Taxes and Homeowner’s Insurance) • Real Estate Taxes • Interest • Flood Insurance Premium (if applicable) • Private Mortgage Insurance premiums (if needed) • Pest Control, roof, or other inspections as required by property appraisal |