For more information on products or rates not listed below, please Contact a Mortgage Specialist or call us toll-free at 800-788-0454.

Rates and payments quoted below are based on loans secured by property in the State of California. Rates and payments, closing costs and points vary by property location, loan type and individual borrower credit and income characteristics.

Estimated Loan and APR Information as of 4/6/2016

15 Year Fixed to 1 Mil.
	0 Points	1 Point
Interest Rates Interest Rate is the annual rate of interest on a loan, expressed as a percentage of 100 (i.e., 7% on $100,000 would be $7,000 per year in interest).	3.625 %	3.375 %
APR APR is a measurement used to compare different loans offered by competing lenders, which takes into account both the interest rate and closing fees.	3.722 %	3.638 %
Payment Term In a mortgage, the Termterm is the amount of time (typically 15 or 30 years) that a lender gives a borrower to repay the loan.	15 Years	15 Years
Estimated Prepaid Finance Charges Interest Rate is the annual rate of interest on a loan, expressed as a percentage of 100 (i.e., 7% on $100,000 would be $7,000 per year in interest).	$7,000	$15,750
Loan Amount Loan Amount is the initial amount of money borrowed in a mortgage.	$1,000,000	$1,000,000
Down Payment Down Payment is the portion of a property's purchase price that buyers must pay up-front with their own money.	$250,000	$250,000
Monthly Principal & Interest Payment* Monthly Principal & Interest is your monthly mortgage payment. It does not include mortgage insurance or property tax.	$7,210	$7,088

^*Monthly Principal & Interest Payment Excludes taxes and insurance; total payment will be higher

Mortgage rates are subject to change without notice at any time until you have locked a loan. Actual rate and payment will vary based on your specific situation. Some products may not be available based on your specfice situation. Some restrictions may apply.

*Notice Regarding Adjustable Rate Mortgages: Interest is fixed for a set period of time, and adjusts periodically thereafter. At the end of the fixed rate period, the interest and monthly payments may increase.

**Notice Regarding Interest Only Mortgages Interest only loans provide for payment of interest only for a set period of time, and payment of principal and interest for the remainder of the loan term. Interest only payments do not reduce principal. At the end of the interest only period, your monthly payment will increase, possible substantially, because you will be required to pay down the outstanding principal and all accrued interest.