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Bank of America
First Republic Bank
You have two basic choices when you’re refinancing your mortgage. If you simply refinance your existing loan to get a lower interest rate or change the terms, it is called a rate-and-term refinance. If you want to extract some of the equity in your house—perhaps to do a renovation, pay down debts, or help pay college costs—you take a cash-out loan.
30-yr 10/1 ARM
30-yr 7/1 ARM
30-yr 5/1 ARM
30-yr 3/1 ARM
Interest Rate (%)
APR (Annual Percentage Rate, Optional)
Interest rate and APR while related, are not the same. You’ll see both listed for mortgages. For example, you may see a 30-year fixed-rate mortgage with an interest rate of 4.250% and an APR of 4.385%. The interest rate is the interest you pay on your home loan. The APR is the interest rate plus other fees and costs associated with buying a home. APR is really what you’ll pay on top of the principal.
Monthly principal and interest payment amount (Optional)
principal and interests paid to lender each month, excluding tax, insurance and HOA
Did you purchase points to get the rate above?
Mortgage points, also known as discount points, are fees paid directly to the lender at closing in exchange for a reduced interest rate. One point costs 1 percent of your loan amount.
No, I didn't purchase point
Yes, I purchased 1 point
Yes, I purchased 2 points
Did you get any lender credit?
A lender credit is money from your mortgage lender to help cover the mortgage-related closing costs associated with the purchase of your house. Your lender may offer you several thousand dollars in credit to cover most (or all) of the those costs. That credit is then applied to your mortgage. If yes, please type in the number in the other option below
Loan Amount $ (aka Principle, not property value, Optional)
LTV (Loan to Value ratio)
For example, if your loan amount is 400k and the house price is 500k, then LTV is 400k/500k = 80%
0 < LTV <=10%
10% < LTV <= 20%
20% < LTV <= 30%
30% < LTV <= 40%
40% < LTV <= 50%
50% < LTV <= 60%
60% < LTV <= 70%
70% < LTV <= 80%
80% < LTV <= 90%
90% < LTV <= 100%
I don't know
FICO scores, ranging from 300 to 850, are the credit scores most lenders use to determine your credit risk and the interest rate you will be charged
300 - 579
580 - 599
600 - 619
620 - 639
640 - 659
660 - 679
680 - 699
700 - 719
720 - 739
740 - 759
760 - 779
780 - 799
800 - 850
I don't know my fico credit score
Example: 94040, 94087
How would you rate your lender?
Loan Officer's name (optional)
if you worked with a loan officer or broker for this loan
Loan Officer's contact (optional)
If you'd like to recommend your loan officer, please leave their email or phone number.
Any other note (optional)
Information about how you get such a good rate, etc.
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