List & Lock

Conventional

Rates based on seller concession

Standard rate with as little as 10% down.

Pricing at 2% seller concession: $17,700.00

To view repayment scenarios, click the numbers on the chart.

FICO

	620	640	660	680	700	720	740	760	780
10%	6.625 % Repayment × Rates provided for primary residency occupancy on 10/25/2025 Home Price $885,000 Down Payment 10% Term 30 Years Rate 6.625% (APR 6.996%) Monthly Payment $5,100.08 Does not include mortgage insurance/taxes/homeowners insurance	6.375 % Repayment × Rates provided for primary residency occupancy on 10/25/2025 Home Price $885,000 Down Payment 10% Term 30 Years Rate 6.375% (APR 6.741%) Monthly Payment $4,969.12 Does not include mortgage insurance/taxes/homeowners insurance	6.375 % Repayment × Rates provided for primary residency occupancy on 10/25/2025 Home Price $885,000 Down Payment 10% Term 30 Years Rate 6.375% (APR 6.741%) Monthly Payment $4,969.12 Does not include mortgage insurance/taxes/homeowners insurance	6.250 % Repayment × Rates provided for primary residency occupancy on 10/25/2025 Home Price $885,000 Down Payment 10% Term 30 Years Rate 6.25% (APR 6.613%) Monthly Payment $4,904.19 Does not include mortgage insurance/taxes/homeowners insurance	6.125 % Repayment × Rates provided for primary residency occupancy on 10/25/2025 Home Price $885,000 Down Payment 10% Term 30 Years Rate 6.125% (APR 6.485%) Monthly Payment $4,839.62 Does not include mortgage insurance/taxes/homeowners insurance	5.990 % Repayment × Rates provided for primary residency occupancy on 10/25/2025 Home Price $885,000 Down Payment 10% Term 30 Years Rate 5.99% (APR 6.347%) Monthly Payment $4,770.30 Does not include mortgage insurance/taxes/homeowners insurance	5.990 % Repayment × Rates provided for primary residency occupancy on 10/25/2025 Home Price $885,000 Down Payment 10% Term 30 Years Rate 5.99% (APR 6.347%) Monthly Payment $4,770.30 Does not include mortgage insurance/taxes/homeowners insurance	5.875 % Repayment × Rates provided for primary residency occupancy on 10/25/2025 Home Price $885,000 Down Payment 10% Term 30 Years Rate 5.875% (APR 6.23%) Monthly Payment $4,711.60 Does not include mortgage insurance/taxes/homeowners insurance	5.875 % Repayment × Rates provided for primary residency occupancy on 10/25/2025 Home Price $885,000 Down Payment 10% Term 30 Years Rate 5.875% (APR 6.23%) Monthly Payment $4,711.60 Does not include mortgage insurance/taxes/homeowners insurance
20%	6.490 % Repayment × Rates provided for primary residency occupancy on 10/25/2025 Home Price $885,000 Down Payment 20% Term 30 Years Rate 6.49% (APR 6.887%) Monthly Payment $4,470.39 Does not include mortgage insurance/taxes/homeowners insurance	6.375 % Repayment × Rates provided for primary residency occupancy on 10/25/2025 Home Price $885,000 Down Payment 20% Term 30 Years Rate 6.375% (APR 6.769%) Monthly Payment $4,417.00 Does not include mortgage insurance/taxes/homeowners insurance	6.250 % Repayment × Rates provided for primary residency occupancy on 10/25/2025 Home Price $885,000 Down Payment 20% Term 30 Years Rate 6.25% (APR 6.641%) Monthly Payment $4,359.28 Does not include mortgage insurance/taxes/homeowners insurance	6.125 % Repayment × Rates provided for primary residency occupancy on 10/25/2025 Home Price $885,000 Down Payment 20% Term 30 Years Rate 6.125% (APR 6.513%) Monthly Payment $4,301.88 Does not include mortgage insurance/taxes/homeowners insurance	6.125 % Repayment × Rates provided for primary residency occupancy on 10/25/2025 Home Price $885,000 Down Payment 20% Term 30 Years Rate 6.125% (APR 6.513%) Monthly Payment $4,301.88 Does not include mortgage insurance/taxes/homeowners insurance	5.990 % Repayment × Rates provided for primary residency occupancy on 10/25/2025 Home Price $885,000 Down Payment 20% Term 30 Years Rate 5.99% (APR 6.375%) Monthly Payment $4,240.27 Does not include mortgage insurance/taxes/homeowners insurance	5.990 % Repayment × Rates provided for primary residency occupancy on 10/25/2025 Home Price $885,000 Down Payment 20% Term 30 Years Rate 5.99% (APR 6.375%) Monthly Payment $4,240.27 Does not include mortgage insurance/taxes/homeowners insurance	5.875 % Repayment × Rates provided for primary residency occupancy on 10/25/2025 Home Price $885,000 Down Payment 20% Term 30 Years Rate 5.875% (APR 6.257%) Monthly Payment $4,188.09 Does not include mortgage insurance/taxes/homeowners insurance	5.875 % Repayment × Rates provided for primary residency occupancy on 10/25/2025 Home Price $885,000 Down Payment 20% Term 30 Years Rate 5.875% (APR 6.257%) Monthly Payment $4,188.09 Does not include mortgage insurance/taxes/homeowners insurance
25%	6.375 % Repayment × Rates provided for primary residency occupancy on 10/25/2025 Home Price $885,000 Down Payment 25% Term 30 Years Rate 6.375% (APR 6.786%) Monthly Payment $4,140.94 Does not include mortgage insurance/taxes/homeowners insurance	6.000 % Repayment × Rates provided for primary residency occupancy on 10/25/2025 Home Price $885,000 Down Payment 25% Term 30 Years Rate 6% (APR 6.402%) Monthly Payment $3,979.52 Does not include mortgage insurance/taxes/homeowners insurance	5.990 % Repayment × Rates provided for primary residency occupancy on 10/25/2025 Home Price $885,000 Down Payment 25% Term 30 Years Rate 5.99% (APR 6.391%) Monthly Payment $3,975.25 Does not include mortgage insurance/taxes/homeowners insurance	5.990 % Repayment × Rates provided for primary residency occupancy on 10/25/2025 Home Price $885,000 Down Payment 25% Term 30 Years Rate 5.99% (APR 6.391%) Monthly Payment $3,975.25 Does not include mortgage insurance/taxes/homeowners insurance	5.875 % Repayment × Rates provided for primary residency occupancy on 10/25/2025 Home Price $885,000 Down Payment 25% Term 30 Years Rate 5.875% (APR 6.274%) Monthly Payment $3,926.33 Does not include mortgage insurance/taxes/homeowners insurance	5.875 % Repayment × Rates provided for primary residency occupancy on 10/25/2025 Home Price $885,000 Down Payment 25% Term 30 Years Rate 5.875% (APR 6.274%) Monthly Payment $3,926.33 Does not include mortgage insurance/taxes/homeowners insurance	5.750 % Repayment × Rates provided for primary residency occupancy on 10/25/2025 Home Price $885,000 Down Payment 25% Term 30 Years Rate 5.75% (APR 6.146%) Monthly Payment $3,873.46 Does not include mortgage insurance/taxes/homeowners insurance	5.750 % Repayment × Rates provided for primary residency occupancy on 10/25/2025 Home Price $885,000 Down Payment 25% Term 30 Years Rate 5.75% (APR 6.146%) Monthly Payment $3,873.46 Does not include mortgage insurance/taxes/homeowners insurance	5.625 % Repayment × Rates provided for primary residency occupancy on 10/25/2025 Home Price $885,000 Down Payment 25% Term 30 Years Rate 5.625% (APR 6.018%) Monthly Payment $3,820.92 Does not include mortgage insurance/taxes/homeowners insurance
30%	5.990 % Repayment × Rates provided for primary residency occupancy on 10/25/2025 Home Price $885,000 Down Payment 30% Term 30 Years Rate 5.99% (APR 6.41%) Monthly Payment $3,710.23 Does not include mortgage insurance/taxes/homeowners insurance	5.875 % Repayment × Rates provided for primary residency occupancy on 10/25/2025 Home Price $885,000 Down Payment 30% Term 30 Years Rate 5.875% (APR 6.293%) Monthly Payment $3,664.58 Does not include mortgage insurance/taxes/homeowners insurance	5.875 % Repayment × Rates provided for primary residency occupancy on 10/25/2025 Home Price $885,000 Down Payment 30% Term 30 Years Rate 5.875% (APR 6.293%) Monthly Payment $3,664.58 Does not include mortgage insurance/taxes/homeowners insurance	5.750 % Repayment × Rates provided for primary residency occupancy on 10/25/2025 Home Price $885,000 Down Payment 30% Term 30 Years Rate 5.75% (APR 6.164%) Monthly Payment $3,615.23 Does not include mortgage insurance/taxes/homeowners insurance	5.625 % Repayment × Rates provided for primary residency occupancy on 10/25/2025 Home Price $885,000 Down Payment 30% Term 30 Years Rate 5.625% (APR 6.036%) Monthly Payment $3,566.19 Does not include mortgage insurance/taxes/homeowners insurance	5.625 % Repayment × Rates provided for primary residency occupancy on 10/25/2025 Home Price $885,000 Down Payment 30% Term 30 Years Rate 5.625% (APR 6.036%) Monthly Payment $3,566.19 Does not include mortgage insurance/taxes/homeowners insurance	5.625 % Repayment × Rates provided for primary residency occupancy on 10/25/2025 Home Price $885,000 Down Payment 30% Term 30 Years Rate 5.625% (APR 6.036%) Monthly Payment $3,566.19 Does not include mortgage insurance/taxes/homeowners insurance	5.625 % Repayment × Rates provided for primary residency occupancy on 10/25/2025 Home Price $885,000 Down Payment 30% Term 30 Years Rate 5.625% (APR 6.036%) Monthly Payment $3,566.19 Does not include mortgage insurance/taxes/homeowners insurance	5.625 % Repayment × Rates provided for primary residency occupancy on 10/25/2025 Home Price $885,000 Down Payment 30% Term 30 Years Rate 5.625% (APR 6.036%) Monthly Payment $3,566.19 Does not include mortgage insurance/taxes/homeowners insurance

DOWN PAYMENT

*Table is a guide to anticipate pricing for primary residences, for conventional loans only, when seller contribution is applied to today’s pricing. Down payment < 10% have a max contribution of 3%.

* Payment example: Rates provided for primary residency occupancy on 12/12/2025. Home price $885,000, down payment 25%, loan amount $663,750, term-30 year, fixed rate 5.625% (APR 6.018%), monthly payment $3,820.92. Monthly payment does not include taxes or insurance. List & Lock rates shown are accurate as of 12/12/2025. Rates can change daily, contact Loan Officer for details. Monthly payment does not include taxes or insurance.

FHA

Rates based on seller concession

Standard rate with as little as 10% down.

Pricing at 2% seller concession: $17,700.00

To view repayment scenarios, click the numbers on the chart.

FICO

	580	600	620	640	700	720	740
10%	5.990 % Repayment × Rates provided for primary residency occupancy on 10/25/2025 Home Price $885,000 Down Payment 10% Term 30 Years Rate 5.99% (APR 6.347%) Monthly Payment $4,770.30 Does not include mortgage insurance/taxes/homeowners insurance	5.750 % Repayment × Rates provided for primary residency occupancy on 10/25/2025 Home Price $885,000 Down Payment 10% Term 30 Years Rate 5.75% (APR 6.102%) Monthly Payment $4,648.16 Does not include mortgage insurance/taxes/homeowners insurance	5.625 % Repayment × Rates provided for primary residency occupancy on 10/25/2025 Home Price $885,000 Down Payment 10% Term 30 Years Rate 5.625% (APR 5.974%) Monthly Payment $4,585.10 Does not include mortgage insurance/taxes/homeowners insurance	5.500 % Repayment × Rates provided for primary residency occupancy on 10/25/2025 Home Price $885,000 Down Payment 10% Term 30 Years Rate 5.5% (APR 5.847%) Monthly Payment $4,522.44 Does not include mortgage insurance/taxes/homeowners insurance	5.375 % Repayment × Rates provided for primary residency occupancy on 10/25/2025 Home Price $885,000 Down Payment 10% Term 30 Years Rate 5.375% (APR 5.719%) Monthly Payment $4,460.17 Does not include mortgage insurance/taxes/homeowners insurance	5.375 % Repayment × Rates provided for primary residency occupancy on 10/25/2025 Home Price $885,000 Down Payment 10% Term 30 Years Rate 5.375% (APR 5.719%) Monthly Payment $4,460.17 Does not include mortgage insurance/taxes/homeowners insurance	5.375 % Repayment × Rates provided for primary residency occupancy on 10/25/2025 Home Price $885,000 Down Payment 10% Term 30 Years Rate 5.375% (APR 5.719%) Monthly Payment $4,460.17 Does not include mortgage insurance/taxes/homeowners insurance

DOWN PAYMENT

*Table is a guide to anticipate pricing for primary residences, for conventional loans only, when seller contribution is applied to today’s pricing. Down payment < 10% have a max contribution of 6%.

* Payment example: Rates provided for primary residency occupancy on 12/12/2025. Home price $885,000, down payment 10%, loan amount $796,500, term-30 year, fixed rate 5.375% (APR 5.719%), monthly payment $4,460.17. Monthly payment does not include taxes or insurance. List & Lock rates shown are accurate as of 12/12/2025. Rates can change daily, contact Loan Officer for details. Monthly payment does not include taxes or insurance.

VA

Rates based on seller concession

Standard rate with as little as 0% down.

Pricing at 2% seller concession: $17,700.00

To view repayment scenarios, click the numbers on the chart.

FICO

	580	600	620	640	700	720	740
0%	6.000 % Repayment × Rates provided for primary residency occupancy on 10/25/2025 Home Price $885,000 Down Payment 0% Term 30 Years Rate 6% (APR 6.336%) Monthly Payment $5,306.02 Does not include mortgage insurance/taxes/homeowners insurance	5.875 % Repayment × Rates provided for primary residency occupancy on 10/25/2025 Home Price $885,000 Down Payment 0% Term 30 Years Rate 5.875% (APR 6.208%) Monthly Payment $5,235.11 Does not include mortgage insurance/taxes/homeowners insurance	5.750 % Repayment × Rates provided for primary residency occupancy on 10/25/2025 Home Price $885,000 Down Payment 0% Term 30 Years Rate 5.75% (APR 6.081%) Monthly Payment $5,164.62 Does not include mortgage insurance/taxes/homeowners insurance	5.750 % Repayment × Rates provided for primary residency occupancy on 10/25/2025 Home Price $885,000 Down Payment 0% Term 30 Years Rate 5.75% (APR 6.081%) Monthly Payment $5,164.62 Does not include mortgage insurance/taxes/homeowners insurance	5.625 % Repayment × Rates provided for primary residency occupancy on 10/25/2025 Home Price $885,000 Down Payment 0% Term 30 Years Rate 5.625% (APR 5.953%) Monthly Payment $5,094.56 Does not include mortgage insurance/taxes/homeowners insurance	5.625 % Repayment × Rates provided for primary residency occupancy on 10/25/2025 Home Price $885,000 Down Payment 0% Term 30 Years Rate 5.625% (APR 5.953%) Monthly Payment $5,094.56 Does not include mortgage insurance/taxes/homeowners insurance	5.625 % Repayment × Rates provided for primary residency occupancy on 10/25/2025 Home Price $885,000 Down Payment 0% Term 30 Years Rate 5.625% (APR 5.953%) Monthly Payment $5,094.56 Does not include mortgage insurance/taxes/homeowners insurance
5%	6.000 % Repayment × Rates provided for primary residency occupancy on 10/25/2025 Home Price $885,000 Down Payment 5% Term 30 Years Rate 6% (APR 6.346%) Monthly Payment $5,040.72 Does not include mortgage insurance/taxes/homeowners insurance	5.875 % Repayment × Rates provided for primary residency occupancy on 10/25/2025 Home Price $885,000 Down Payment 5% Term 30 Years Rate 5.875% (APR 6.218%) Monthly Payment $4,973.35 Does not include mortgage insurance/taxes/homeowners insurance	5.750 % Repayment × Rates provided for primary residency occupancy on 10/25/2025 Home Price $885,000 Down Payment 5% Term 30 Years Rate 5.75% (APR 6.091%) Monthly Payment $4,906.39 Does not include mortgage insurance/taxes/homeowners insurance	5.625 % Repayment × Rates provided for primary residency occupancy on 10/25/2025 Home Price $885,000 Down Payment 5% Term 30 Years Rate 5.625% (APR 5.963%) Monthly Payment $4,839.83 Does not include mortgage insurance/taxes/homeowners insurance	5.625 % Repayment × Rates provided for primary residency occupancy on 10/25/2025 Home Price $885,000 Down Payment 5% Term 30 Years Rate 5.625% (APR 5.963%) Monthly Payment $4,839.83 Does not include mortgage insurance/taxes/homeowners insurance	5.625 % Repayment × Rates provided for primary residency occupancy on 10/25/2025 Home Price $885,000 Down Payment 5% Term 30 Years Rate 5.625% (APR 5.963%) Monthly Payment $4,839.83 Does not include mortgage insurance/taxes/homeowners insurance	5.625 % Repayment × Rates provided for primary residency occupancy on 10/25/2025 Home Price $885,000 Down Payment 5% Term 30 Years Rate 5.625% (APR 5.963%) Monthly Payment $4,839.83 Does not include mortgage insurance/taxes/homeowners insurance
10%	5.990 % Repayment × Rates provided for primary residency occupancy on 10/25/2025 Home Price $885,000 Down Payment 10% Term 30 Years Rate 5.99% (APR 6.347%) Monthly Payment $4,770.30 Does not include mortgage insurance/taxes/homeowners insurance	5.750 % Repayment × Rates provided for primary residency occupancy on 10/25/2025 Home Price $885,000 Down Payment 10% Term 30 Years Rate 5.75% (APR 6.102%) Monthly Payment $4,648.16 Does not include mortgage insurance/taxes/homeowners insurance	5.625 % Repayment × Rates provided for primary residency occupancy on 10/25/2025 Home Price $885,000 Down Payment 10% Term 30 Years Rate 5.625% (APR 5.974%) Monthly Payment $4,585.10 Does not include mortgage insurance/taxes/homeowners insurance	5.500 % Repayment × Rates provided for primary residency occupancy on 10/25/2025 Home Price $885,000 Down Payment 10% Term 30 Years Rate 5.5% (APR 5.847%) Monthly Payment $4,522.44 Does not include mortgage insurance/taxes/homeowners insurance	5.375 % Repayment × Rates provided for primary residency occupancy on 10/25/2025 Home Price $885,000 Down Payment 10% Term 30 Years Rate 5.375% (APR 5.719%) Monthly Payment $4,460.17 Does not include mortgage insurance/taxes/homeowners insurance	5.375 % Repayment × Rates provided for primary residency occupancy on 10/25/2025 Home Price $885,000 Down Payment 10% Term 30 Years Rate 5.375% (APR 5.719%) Monthly Payment $4,460.17 Does not include mortgage insurance/taxes/homeowners insurance	5.375 % Repayment × Rates provided for primary residency occupancy on 10/25/2025 Home Price $885,000 Down Payment 10% Term 30 Years Rate 5.375% (APR 5.719%) Monthly Payment $4,460.17 Does not include mortgage insurance/taxes/homeowners insurance
20%	5.875 % Repayment × Rates provided for primary residency occupancy on 10/25/2025 Home Price $885,000 Down Payment 20% Term 30 Years Rate 5.875% (APR 6.257%) Monthly Payment $4,188.09 Does not include mortgage insurance/taxes/homeowners insurance	5.750 % Repayment × Rates provided for primary residency occupancy on 10/25/2025 Home Price $885,000 Down Payment 20% Term 30 Years Rate 5.75% (APR 6.129%) Monthly Payment $4,131.70 Does not include mortgage insurance/taxes/homeowners insurance	5.625 % Repayment × Rates provided for primary residency occupancy on 10/25/2025 Home Price $885,000 Down Payment 20% Term 30 Years Rate 5.625% (APR 6.001%) Monthly Payment $4,075.65 Does not include mortgage insurance/taxes/homeowners insurance	5.375 % Repayment × Rates provided for primary residency occupancy on 10/25/2025 Home Price $885,000 Down Payment 20% Term 30 Years Rate 5.375% (APR 5.746%) Monthly Payment $3,964.60 Does not include mortgage insurance/taxes/homeowners insurance	5.375 % Repayment × Rates provided for primary residency occupancy on 10/25/2025 Home Price $885,000 Down Payment 20% Term 30 Years Rate 5.375% (APR 5.746%) Monthly Payment $3,964.60 Does not include mortgage insurance/taxes/homeowners insurance	5.375 % Repayment × Rates provided for primary residency occupancy on 10/25/2025 Home Price $885,000 Down Payment 20% Term 30 Years Rate 5.375% (APR 5.746%) Monthly Payment $3,964.60 Does not include mortgage insurance/taxes/homeowners insurance	5.375 % Repayment × Rates provided for primary residency occupancy on 10/25/2025 Home Price $885,000 Down Payment 20% Term 30 Years Rate 5.375% (APR 5.746%) Monthly Payment $3,964.60 Does not include mortgage insurance/taxes/homeowners insurance

DOWN PAYMENT

*Table is a guide to anticipate pricing for primary residences, for conventional loans only, when seller contribution is applied to today’s pricing. Down payment < 10% have a max contribution of 3%.

* Payment example: Rates provided for primary residency occupancy on 12/12/2025. Home price $885,000, down payment 10%, loan amount $796,500, term-30 year, fixed rate 5.375% (APR 5.719%), monthly payment $4,460.17. Monthly payment does not include taxes or insurance. List & Lock rates shown are accurate as of 12/12/2025. Rates can change daily, contact Loan Officer for details. Monthly payment does not include taxes or insurance.

10/6 ARM

Rates based on seller concession

Standard rate with as little as 10% down.

Pricing at 2% seller concession: $17,700.00

To view repayment scenarios, click the numbers on the chart.

FICO

	620	640	660	680	700	720	740	760	780
10%	6.750 % Repayment × Rates provided for primary residency occupancy on 10/25/2025 Home Price $885,000 Down Payment 10% Term 30 Years Rate 6.75% (APR 7.124%) Monthly Payment $5,166.08 Does not include mortgage insurance/taxes/homeowners insurance	6.250 % Repayment × Rates provided for primary residency occupancy on 10/25/2025 Home Price $885,000 Down Payment 10% Term 30 Years Rate 6.25% (APR 6.613%) Monthly Payment $4,904.19 Does not include mortgage insurance/taxes/homeowners insurance	6.250 % Repayment × Rates provided for primary residency occupancy on 10/25/2025 Home Price $885,000 Down Payment 10% Term 30 Years Rate 6.25% (APR 6.613%) Monthly Payment $4,904.19 Does not include mortgage insurance/taxes/homeowners insurance	6.250 % Repayment × Rates provided for primary residency occupancy on 10/25/2025 Home Price $885,000 Down Payment 10% Term 30 Years Rate 6.25% (APR 6.613%) Monthly Payment $4,904.19 Does not include mortgage insurance/taxes/homeowners insurance	6.125 % Repayment × Rates provided for primary residency occupancy on 10/25/2025 Home Price $885,000 Down Payment 10% Term 30 Years Rate 6.125% (APR 6.485%) Monthly Payment $4,839.62 Does not include mortgage insurance/taxes/homeowners insurance	5.990 % Repayment × Rates provided for primary residency occupancy on 10/25/2025 Home Price $885,000 Down Payment 10% Term 30 Years Rate 5.99% (APR 6.347%) Monthly Payment $4,770.30 Does not include mortgage insurance/taxes/homeowners insurance	5.750 % Repayment × Rates provided for primary residency occupancy on 10/25/2025 Home Price $885,000 Down Payment 10% Term 30 Years Rate 5.75% (APR 6.102%) Monthly Payment $4,648.16 Does not include mortgage insurance/taxes/homeowners insurance	5.750 % Repayment × Rates provided for primary residency occupancy on 10/25/2025 Home Price $885,000 Down Payment 10% Term 30 Years Rate 5.75% (APR 6.102%) Monthly Payment $4,648.16 Does not include mortgage insurance/taxes/homeowners insurance	5.750 % Repayment × Rates provided for primary residency occupancy on 10/25/2025 Home Price $885,000 Down Payment 10% Term 30 Years Rate 5.75% (APR 6.102%) Monthly Payment $4,648.16 Does not include mortgage insurance/taxes/homeowners insurance
20%	6.750 % Repayment × Rates provided for primary residency occupancy on 10/25/2025 Home Price $885,000 Down Payment 20% Term 30 Years Rate 6.75% (APR 7.153%) Monthly Payment $4,592.07 Does not include mortgage insurance/taxes/homeowners insurance	6.250 % Repayment × Rates provided for primary residency occupancy on 10/25/2025 Home Price $885,000 Down Payment 20% Term 30 Years Rate 6.25% (APR 6.641%) Monthly Payment $4,359.28 Does not include mortgage insurance/taxes/homeowners insurance	6.250 % Repayment × Rates provided for primary residency occupancy on 10/25/2025 Home Price $885,000 Down Payment 20% Term 30 Years Rate 6.25% (APR 6.641%) Monthly Payment $4,359.28 Does not include mortgage insurance/taxes/homeowners insurance	6.250 % Repayment × Rates provided for primary residency occupancy on 10/25/2025 Home Price $885,000 Down Payment 20% Term 30 Years Rate 6.25% (APR 6.641%) Monthly Payment $4,359.28 Does not include mortgage insurance/taxes/homeowners insurance	5.990 % Repayment × Rates provided for primary residency occupancy on 10/25/2025 Home Price $885,000 Down Payment 20% Term 30 Years Rate 5.99% (APR 6.375%) Monthly Payment $4,240.27 Does not include mortgage insurance/taxes/homeowners insurance	5.990 % Repayment × Rates provided for primary residency occupancy on 10/25/2025 Home Price $885,000 Down Payment 20% Term 30 Years Rate 5.99% (APR 6.375%) Monthly Payment $4,240.27 Does not include mortgage insurance/taxes/homeowners insurance	5.750 % Repayment × Rates provided for primary residency occupancy on 10/25/2025 Home Price $885,000 Down Payment 20% Term 30 Years Rate 5.75% (APR 6.129%) Monthly Payment $4,131.70 Does not include mortgage insurance/taxes/homeowners insurance	5.750 % Repayment × Rates provided for primary residency occupancy on 10/25/2025 Home Price $885,000 Down Payment 20% Term 30 Years Rate 5.75% (APR 6.129%) Monthly Payment $4,131.70 Does not include mortgage insurance/taxes/homeowners insurance	5.625 % Repayment × Rates provided for primary residency occupancy on 10/25/2025 Home Price $885,000 Down Payment 20% Term 30 Years Rate 5.625% (APR 6.001%) Monthly Payment $4,075.65 Does not include mortgage insurance/taxes/homeowners insurance
25%	6.250 % Repayment × Rates provided for primary residency occupancy on 10/25/2025 Home Price $885,000 Down Payment 25% Term 30 Years Rate 6.25% (APR 6.658%) Monthly Payment $4,086.82 Does not include mortgage insurance/taxes/homeowners insurance	5.990 % Repayment × Rates provided for primary residency occupancy on 10/25/2025 Home Price $885,000 Down Payment 25% Term 30 Years Rate 5.99% (APR 6.391%) Monthly Payment $3,975.25 Does not include mortgage insurance/taxes/homeowners insurance	5.990 % Repayment × Rates provided for primary residency occupancy on 10/25/2025 Home Price $885,000 Down Payment 25% Term 30 Years Rate 5.99% (APR 6.391%) Monthly Payment $3,975.25 Does not include mortgage insurance/taxes/homeowners insurance	5.750 % Repayment × Rates provided for primary residency occupancy on 10/25/2025 Home Price $885,000 Down Payment 25% Term 30 Years Rate 5.75% (APR 6.146%) Monthly Payment $3,873.46 Does not include mortgage insurance/taxes/homeowners insurance	5.750 % Repayment × Rates provided for primary residency occupancy on 10/25/2025 Home Price $885,000 Down Payment 25% Term 30 Years Rate 5.75% (APR 6.146%) Monthly Payment $3,873.46 Does not include mortgage insurance/taxes/homeowners insurance	5.750 % Repayment × Rates provided for primary residency occupancy on 10/25/2025 Home Price $885,000 Down Payment 25% Term 30 Years Rate 5.75% (APR 6.146%) Monthly Payment $3,873.46 Does not include mortgage insurance/taxes/homeowners insurance	5.625 % Repayment × Rates provided for primary residency occupancy on 10/25/2025 Home Price $885,000 Down Payment 25% Term 30 Years Rate 5.625% (APR 6.018%) Monthly Payment $3,820.92 Does not include mortgage insurance/taxes/homeowners insurance	5.625 % Repayment × Rates provided for primary residency occupancy on 10/25/2025 Home Price $885,000 Down Payment 25% Term 30 Years Rate 5.625% (APR 6.018%) Monthly Payment $3,820.92 Does not include mortgage insurance/taxes/homeowners insurance	5.250 % Repayment × Rates provided for primary residency occupancy on 10/25/2025 Home Price $885,000 Down Payment 25% Term 30 Years Rate 5.25% (APR 5.634%) Monthly Payment $3,665.25 Does not include mortgage insurance/taxes/homeowners insurance
30%	5.875 % Repayment × Rates provided for primary residency occupancy on 10/25/2025 Home Price $885,000 Down Payment 30% Term 30 Years Rate 5.875% (APR 6.293%) Monthly Payment $3,664.58 Does not include mortgage insurance/taxes/homeowners insurance	5.750 % Repayment × Rates provided for primary residency occupancy on 10/25/2025 Home Price $885,000 Down Payment 30% Term 30 Years Rate 5.75% (APR 6.164%) Monthly Payment $3,615.23 Does not include mortgage insurance/taxes/homeowners insurance	5.625 % Repayment × Rates provided for primary residency occupancy on 10/25/2025 Home Price $885,000 Down Payment 30% Term 30 Years Rate 5.625% (APR 6.036%) Monthly Payment $3,566.19 Does not include mortgage insurance/taxes/homeowners insurance	5.625 % Repayment × Rates provided for primary residency occupancy on 10/25/2025 Home Price $885,000 Down Payment 30% Term 30 Years Rate 5.625% (APR 6.036%) Monthly Payment $3,566.19 Does not include mortgage insurance/taxes/homeowners insurance	5.500 % Repayment × Rates provided for primary residency occupancy on 10/25/2025 Home Price $885,000 Down Payment 30% Term 30 Years Rate 5.5% (APR 5.908%) Monthly Payment $3,517.45 Does not include mortgage insurance/taxes/homeowners insurance	5.250 % Repayment × Rates provided for primary residency occupancy on 10/25/2025 Home Price $885,000 Down Payment 30% Term 30 Years Rate 5.25% (APR 5.652%) Monthly Payment $3,420.90 Does not include mortgage insurance/taxes/homeowners insurance	5.250 % Repayment × Rates provided for primary residency occupancy on 10/25/2025 Home Price $885,000 Down Payment 30% Term 30 Years Rate 5.25% (APR 5.652%) Monthly Payment $3,420.90 Does not include mortgage insurance/taxes/homeowners insurance	5.250 % Repayment × Rates provided for primary residency occupancy on 10/25/2025 Home Price $885,000 Down Payment 30% Term 30 Years Rate 5.25% (APR 5.652%) Monthly Payment $3,420.90 Does not include mortgage insurance/taxes/homeowners insurance	5.250 % Repayment × Rates provided for primary residency occupancy on 10/25/2025 Home Price $885,000 Down Payment 30% Term 30 Years Rate 5.25% (APR 5.652%) Monthly Payment $3,420.90 Does not include mortgage insurance/taxes/homeowners insurance

DOWN PAYMENT

*Table is a guide to anticipate pricing for primary residences, for conventional loans only, when seller contribution is applied to today’s pricing. Down payment < 10% have a max contribution of 3%.

* Payment example: Rates provided for primary residency occupancy on 12/12/2025. Home price $885,000, down payment 25%, loan amount $663,750, term-30 year, fixed rate 5.25% (APR 5.634%), monthly payment $3,665.25. Monthly payment does not include taxes or insurance. List & Lock rates shown are accurate as of 12/12/2025. Rates can change daily, contact Loan Officer for details. Monthly payment does not include taxes or insurance. Post Introductory Period Example: Interest Rate = SOFR + Margin. Payment can adjust every 6 months. Sample Repayments at month 120 with balance of $543,931.71: 3% Margin, 3.66% SOFR (12/11/25), 6.625% variable rate, $4,095.54 monthly payment. At max interest rate of 10.25% payment is $5,339.47.

Advertise Below-Market Rates on Your Listing

Rate Advertised: 5.375% (APR 5.719%)*

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4.98

5

Conventional

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To view repayment scenarios, click the numbers on the chart.

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FHA

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VA

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