Fees & charges apply and may vary by product and State. Subject to underwriting approval. Application required; not all applicants will be approved. Full documentation & property insurance required. Loan secured by a lien against your property. Consolidating or refinancing debts may increase the time and/or the finance charges/total loan amount needed to repay your debt. Taxes, insurance & funding fees extra. Terms, conditions & restrictions apply. Advertised rate assumes: 30-year, fixed-rate, 1st lien, rate & term refinance mortgage on an owner-occupied, single-family residence; loan amount of $160000 (or $417,001-$1,500,000 if Jumbo); loan-to-value ratio of 80% or less; credit score of 740 or better; and monthly escrowing of taxes & insurance. For example, as of Nov 02nd 2017, a $160000 loan amount financed at 3.99% (4.588% Annual Percentage Rate) with 1.99 discount points and 80% LTV, would result in 360 monthly principal and interest payments of $763. Recent rate but rates, loan products & fees subject to change without notice. Your rate and term may vary. Lock in fee may be required to secure rate. If you do not lock in a rate when you apply, your rate at closing may differ from the rate in effect when you applied. Important information relating specifically to your loan will be contained in the loan documents, which alone will establish your rights and obligations under the loan plan. Call for details at 1-800-555-2098.