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Rates are effective as of the date below and may change at any time.
Rates are not locked in until a Rate Lock-In Agreement has been executed and you have paid the lock-in fee.
Other charges may be added and are dependent on credit scores, loan to value, number of units, if the loan is for cash out, and other loan features.
Rates are subject to change without notice. Please call to obtain today's rates. These rates are valid for mortgages up to $417,000 for single family, owner-occupied homes. *APR may increase or decrease after consummation of loan.
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Annual Percentage Rate (APR) is based on a $100,000 loan with a 20% downpayment.
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A loan with less than 20% downpayment will require Private Mortgage Insurance ("PMI")
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SIBT is an approved lender for CHFA, VA, FHA and Rural Development.
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The above rates assume a first mortgage for a purchase or refinance transaction of a single family, owner occupied primary residence.
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Closing costs are estimates.
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To calculate your principal and interest use the "payment per $1,000" in the rate chart above.
SIBT is now offering Reverse Mortgages
Cash out refinances may require 30% equity in property.
Rates and terms are subject to change. Rates and APRs may vary depending on the details such as points paid, loan amount, Loan To Value and owner occupancy
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