{"id":26782,"date":"2022-03-18T22:09:28","date_gmt":"2022-03-18T22:09:28","guid":{"rendered":"https:\/\/citycreekmortgage.com\/?page_id=26782"},"modified":"2023-04-20T16:09:14","modified_gmt":"2023-04-20T22:09:14","slug":"rate-assumptions","status":"publish","type":"page","link":"https:\/\/citycreekmortgage.com\/rate-assumptions\/","title":{"rendered":"Rate Table Assumptions"},"content":{"rendered":"<h3 style=\"text-align: center;\">Today&#8217;s Rate sections<\/h3>\n<ul>\n<li>Rates shown assume a purchase transaction, unless otherwise specified.<\/li>\n<li>Annual Percentage Rate (APR) calculations assume a purchase transaction of a single-family, detached, owner-occupied primary residence; a loan-to-value ratio of less than or equal to 75%; a minimum FICO score of 740, lock period 15 days<\/li>\n<\/ul>\n<div style=\"margin-left: 10px;\">\n<table width=\"450\">\n<tbody>\n<tr style=\"border-bottom: 2px solid #777; font-weight: 600;\">\n<td width=\"180\">Loan Type<\/td>\n<td style=\"text-align: center;\" width=\"160\"><strong>Loan Amount<\/strong><\/td>\n<td style=\"text-align: center;\" width=\"107\"><strong>LTV<\/strong><\/td>\n<td style=\"text-align: center;\" width=\"107\"><strong>Points (if single rate)<\/strong><\/td>\n<\/tr>\n<tr>\n<td>Conforming<\/td>\n<td>\u00a0$\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 375,000<\/td>\n<td style=\"text-align: right;\">75.0%<\/td>\n<td style=\"text-align: center;\">1<\/td>\n<\/tr>\n<tr style=\"background-color: #eee;\">\n<td>Super Conf.<\/td>\n<td>\u00a0$\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 600,000<\/td>\n<td style=\"text-align: right;\">75.0%<\/td>\n<td style=\"text-align: center;\">1<\/td>\n<\/tr>\n<tr>\n<td width=\"180\">Jumbo<\/td>\n<td>\u00a0$\u00a0 \u00a0 \u00a0 726,200<\/td>\n<td style=\"text-align: right;\">75.0%<\/td>\n<td style=\"text-align: center;\">1<\/td>\n<\/tr>\n<tr style=\"background-color: #eee;\">\n<td>FHA<\/td>\n<td>\u00a0$\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 289,500<\/td>\n<td style=\"text-align: right;\">96.5%<\/td>\n<td style=\"text-align: center;\">1<\/td>\n<\/tr>\n<tr>\n<td width=\"180\">VA<\/td>\n<td>\u00a0$\u00a0 \u00a0 \u00a0 \u00a0300,000<\/td>\n<td style=\"text-align: right;\">100.0%<\/td>\n<td style=\"text-align: center;\">1<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li>Rates may be higher for loan amounts under $275,000.<\/li>\n<li>Rates are subject to change without notice.<\/li>\n<li>Closing Costs assume that borrower will escrow monthly property tax and insurance payments.<\/li>\n<li>Subject to underwriter approval; not all applicants will be approved.<\/li>\n<li>Fees and charges apply.<\/li>\n<li>Payments do not include taxes and insurance.<\/li>\n<li>Rates based on information gathered from OptimalBlue.<\/li>\n<li>Mortgage insurance is not included in the payment quoted. Mortgage insurance will be required for all FHA and USDA\u00a0loans as well as conventional loans where the loan to value is greater than 80%.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<ul>\n<li>Restrictions may apply. \u00a0Please call for details.<\/li>\n<li>City Creek Mortgage is an Equal Opportunity Lender<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h3 class=\"full-section-headline\" style=\"text-align: center;\">&#8220;Rate Over X%&#8221; Assumptions<\/h3>\n<p style=\"text-align: center;\">Example: <em>If you&#8217;re rate is over X.XXX%, refi and we&#8217;ll pay your fees.<\/em><\/p>\n<ul>\n<li>Rates shown assume a refinance transaction.<\/li>\n<li>Annual Percentage Rate (APR) calculations assume a purchase transaction of a single-family, detached, owner-occupied primary residence; a loan-to-value of 75%; a minimum FICO score of 740; a Loan Term of 360 months; and a loan amount of $300,000 for conforming loans.<\/li>\n<li>Rates may be higher for loan amounts under $275,000. Please call for details.<\/li>\n<li>Rates are subject to change without notice.<\/li>\n<li>Closing Costs assume that borrower will escrow monthly property tax and insurance payments.<\/li>\n<li>Subject to underwriter approval; not all applicants will be approved.<\/li>\n<li>Fees and charges apply.<\/li>\n<li>Payments do not include taxes and insurance.<\/li>\n<li>Rates based on\u00a0information gathered from LoanSifter.com, an OptimalBlue Site.<\/li>\n<li>Mortgage insurance is not included in the payment quoted. Mortgage insurance will be required for all FHA and USDA\u00a0loans as well as conventional loans where the loan to value is greater than 80%.<\/li>\n<li>Restrictions may apply. \u00a0<a href=\"\/disclosures\/\">Ask for details<\/a>.<\/li>\n<li>City Creek Mortgage is an Equal Opportunity Lender<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Today&#8217;s Rate sections Rates shown assume a purchase transaction, unless otherwise specified. Annual Percentage Rate (APR) calculations assume a purchase transaction of a single-family, detached, owner-occupied primary residence; a loan-to-value ratio of less than or equal to 75%; a minimum&#8230;<\/p>\n","protected":false},"author":3,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-26782","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Rate Assumptions | City Creek Mortgage<\/title>\n<meta name=\"description\" content=\"Curious about your Rate Assumptions? 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