First Mortgage Assumptions
  • Annual Percentage Rate (APR) calculations assume single-family, detached, rate and term, non-cash-out owner-occupied primary residence; a loan-to-value ratio of less than 80% (75% for condos); a minimum FICO score for Refinance of 740 and for Purchase 760; and a loan amount of $417,000 or less for conforming loans, unless otherwise specified.
  • Very best pricing assumes 65%ltv, 30%dti, 760 credit.
  • APR assumes 15 days prepaid interest.
  • Annual Percentage Rate (APR) calculations assume no subordinate financing and that the borrower will provide full income documentation.
  • Monthly Payment per $1,000 and Monthly Payment calculations include principal and interest ONLY. PMI (Private Mortgage Insurance), hazard insurance, property taxes, state taxes, mortgage taxes, homeowner's association dues, and any other recurring costs are not included.
  • In a refinance transaction, TLDFinancial.com does not pay any reconveyance fees that are charged by the borrower's existing lender for the reconveyance of the deed of trust. This includes but is not limited to reconveyance, demand and recording fees.
  • Rates may be higher for loan amounts under $100,000 and over $417,000. 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.
  • On refinance transactions, the Annual Percentage Rate (APR) calculations assume a rate and term refinance.
  • Available first mortgage rates and fees may vary depending on your property's location.
Home Equity Loan
  • Annual Percentage Rate (APR) assumes 15 days prepaid interest.
  • Annual Percentage Rate (APR) calculations assume that the borrower will provide full income documentation.
  • Monthly Payment calculations include principal and interest ONLY. PMI (Private Mortgage Insurance), hazard insurance, property taxes, state taxes, mortgage taxes, homeowner's association dues, and any other recurring costs are not included.
  • Total debt ratio below 40%.
  • Rates are subject to change without notice.
  • Restrictions may apply.
  • Subject to underwriter approval; not all applicants will be approved.
  • Fees and charges apply.
  • Taxes and insurance are extra.
  • Not available in all states.
  • Maine - may not be used to refinance existing first mortgages.