Rates and APR (Annual Percentage Rate) are calculated on a base loan amount of $200,000, owner occupied property, credit score of 740+, purchase price of $275,000 on conventional loans, $207,500 on FHA loans, and $200,000 on VA & USDA loans.  Fees and APR may vary based on final loan amount and finance charges.  FHA loans have mortgage insurance added to the base loan amount and monthly payment which needs to be included in the mortgage payment calculator for an accurate payment.  VA loans include a funding fee that is added to the base loan amount and needs to be added in the mortgage payment calculator for an accurate payment.  USDA loans have an upfront fee and annual fee that is collected monthly with your payment that needs to be included in the mortgage payment calculator for an accurate payment.  Appraisal fee can vary depending on the location and complexity of the property.  Escrow and title fees can vary based on location. Please call for current mortgage insurance rates, upfront funding fees, and monthly fees.