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dave.stambone@usbank.com 203-774-4043
About me
About me

Mortgage rates

Refinance rates

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FAQ
 * About me
 * Mortgage rates
 * Refinance rates
 * Calculator
 * Reviews
 * FAQ

67 67 reviews
5.0 out of 5 stars

Reviews on Zillow


MORTGAGE SALES SUPERVISOR


DAVE STAMBONE

Mortgage Sales Supervisor

NMLS# 120211

203-774-4043


CONNECT WITH DAVE

 * dave.stambone@usbank.com

 * 203-774-4043
 * 203-240-9611

 * Connect when it's convenient for you. Request a call.

Ready to apply? Start your application.

Apply


ABOUT ME


NO MATTER WHERE YOU ARE IN THE HOME BUYING PROCESS, I CAN HELP.

 * As a mortgage sales supervisor right here in Ridgefield, I work with you to
   help you find the right mortgage for your unique situation.
 * You probably have lots of questions. How much house can I really afford?
   Which type of mortgage best fits my needs? I can help you answer questions
   like that and I've worked with lots of people in and around Ridgefield with
   home financing needs similar to yours.

I'm proud to work for a reputable bank like U.S. Bank, and you can trust me to
do what's right for you. So give me a call at 203-774-4043.

Primary location

75 Danbury Rd
STE B 5-2
Ridgefield, CT 06877


CONNECT WITH DAVE

 * dave.stambone@usbank.com

 * 203-774-4043

 * 203-240-9611

 * Connect when it's convenient for you. Request a call.

Ready to apply? Start your application.

Apply


EXPLORE MORE

MORTGAGE RATES

Compare rates for a variety of mortgage types.

See mortgage rates

REFINANCE RATES

Compare rates for a variety of home refinancing options.

See refinance rates

MORTGAGE CALCULATOR

Estimate your total monthly mortgage payment.

Run the numbers

REVIEWS

See what customers are saying about me.

Read my reviews

MORTGAGE FAQ

Get answers to common home-buying questions.

Commonly asked questions


RESOURCES FOR BUILDERS AND REALTORS

You need a lender that cares about your clients as much as you do.

Builder resource center Real estate agent resource center


TODAY'S MORTGAGE RATES IN CONNECTICUT.

The mortgage rates shown below assume a few basic things, including:

 * You have very good credit (a FICO® Score of 740+) and a specific down payment
   amount for your loan type.1
 * Your loan is for a single-family home as your primary residence.
 * You will purchase up to one mortgage discount point in exchange for a lower
   interest rate. Connect with your mortgage loan officer to learn more about
   mortgage points.

Rates are current as of 04/10/2024.

--------------------------------------------------------------------------------

See rates for other states. Choose a state


COMPARE CURRENT MORTGAGE RATES.


CONVENTIONAL FIXED-RATE MORTGAGES

Term Rate APR Monthly Payment Points 30-year fixed 6.875% 7.061% $3,048 0.998
20-year fixed 6.375% 6.605% $3,425 0.942 15-year fixed 6.375% 6.658% $4,010
0.908 10-year fixed 6.375% 6.773% $5,239 0.902


CONFORMING ADJUSTABLE-RATE MORTGAGES

Term Rate APR Monthly Payment Points 10/6 mo 7.25% 7.735% $3,165 1.160 7/6 mo
6.75% 7.56% $3,010 0.818


JUMBO ADJUSTABLE-RATE MORTGAGES

Term Rate APR Monthly Payment Points 10/1 yr 6.75% 7.245% $6,097 0.840 7/1 yr
6.625% 7.328% $6,019 0.890 5/1 yr 6.625% 7.462% $6,019 0.875


FHA MORTGAGES

Term Rate APR Monthly Payment Points 30-year fixed - FHA 6.75% 7.661% $1,872
0.949


VA MORTGAGES

Term Rate APR Monthly Payment Points 30-year fixed - VA 6.625% 7.012% $1,727
0.904


JUMBO MORTGAGES

Term Rate APR Monthly Payment Points 30-year fixed - jumbo 7.0% 7.173% $6,254
0.865 20-year fixed - jumbo 7.25% 7.455% $7,430 0.690 15-year fixed - jumbo
6.875% 7.144% $8,383 0.795


DAVE STAMBONE

Mortgage Sales Supervisor

NMLS# 120211

203-774-4043

 * dave.stambone@usbank.com

 * 203-774-4043

 * 203-240-9611

 * Connect when it's convenient for you. Request a call.

Ready to apply? Start your application.

Apply


FIND RATES FOR A DIFFERENT STATE

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware
District Of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas
Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi
Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York
North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South
Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West
Virginia Wisconsin Wyoming
Show rates


TODAY'S REFINANCE RATES IN CONNECTICUT.

The mortgage rates shown below assume a few basic things, including:

 * You have very good credit (a FICO® Score of 740+) and a specific amount of
   equity for your loan type.1
 * Your loan is for a single-family home as your primary residence.
 * You will purchase up to one mortgage discount point in exchange for a lower
   interest rate. Connect with your mortgage loan officer to learn more about
   mortgage points.

Rates are current as of 04/10/2024.

--------------------------------------------------------------------------------

See rates for other states. Choose a state


COMPARE CURRENT REFINANCE RATES.


CONVENTIONAL FIXED-RATE REFINANCE LOANS

Term Rate APR Monthly Payment Points 30-year fixed 7.25% 7.426% $3,165 0.861
20-year fixed 6.625% 6.855% $3,494 0.923 15-year fixed 6.5% 6.788% $4,042 0.933
10-year fixed 6.5% 6.912% $5,269 0.959


CONFORMING ADJUSTABLE-RATE REFINANCE LOANS

Term Rate APR Monthly Payment Points 10/6 mo 7.25% 7.827% $3,165 2.035 7/6 mo
7.125% 7.775% $3,126 0.973


JUMBO ADJUSTABLE-RATE REFINANCE LOANS

Term Rate APR Monthly Payment Points 10/1 Jumbo 7.0% 7.414% $6,254 0.840 7/1
Jumbo 6.875% 7.461% $6,175 0.890 5/1 Jumbo 6.875% 7.565% $6,175 0.875


FHA REFINANCE LOANS

Term Rate APR Monthly Payment Points 30-year fixed - FHA 7.25% 8.14% $1,963
0.657


VA REFINANCE LOANS

Term Rate APR Monthly Payment Points 30-year fixed - VA 6.75% 7.147% $1,749
0.974


JUMBO REFINANCE LOANS

Term Rate APR Monthly Payment Points 30-year fixed - jumbo 7.25% 7.413% $6,412
0.740 20-year fixed - jumbo 7.375% 7.615% $7,501 0.940 15-year fixed - jumbo
7.125% 7.375% $8,515 0.670


DAVE STAMBONE

Mortgage Sales Supervisor

NMLS# 120211

203-774-4043

 * dave.stambone@usbank.com

 * 203-774-4043

 * 203-240-9611

 * Connect when it's convenient for you. Request a call.

Ready to apply? Start your application.

Apply


FIND RATES FOR A DIFFERENT STATE

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware
District Of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas
Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi
Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York
North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South
Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West
Virginia Wisconsin Wyoming
Show rates


MORTGAGE CALCULATOR

Use our mortgage calculator to help you better understand your home financing
options.


DAVE STAMBONE

Mortgage Sales Supervisor

NMLS# 120211

203-774-4043

 * dave.stambone@usbank.com

 * 203-774-4043

 * 203-240-9611

 * Connect when it's convenient for you. Request a call.

Ready to apply? Start your application.

Apply


REVIEWS

5.0/5
Feb 13, 2024
Zillow • Jessica
Everyone at the office made the process easy & smooth. I had a LOT of questions
along the way and Dave & team were always responsive and helpful. I am very
happy with the outcome of working with Dave and team and love my new home!
5.0/5
Feb 12, 2024
Zillow • AMA
I had and amazing experience with Dave and his team. The were very responsive
and walked me through the process with ease. I would use them again and would
refer family
5.0/5
Nov 5, 2023
Zillow • Rjuan494
Dave team very informative always keeping us up date on very thing and Candice
is awesome. I will definitely refer him to friends and family.The only thing
that was frustrating where the email would not go through but that is out of
everyone control. It was a pleasant experience dealing with Dave ‘s team.
5.0/5
Nov 4, 2023
Zillow • Flo
Dave and Candice were really helpful. This was a first mortgage for us, they
really took the time to explain step by step how everything worked. They are
always available through phone or email.


--------------------------------------------------------------------------------

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DAVE STAMBONE

Mortgage Sales Supervisor

NMLS# 120211

203-774-4043

 * dave.stambone@usbank.com

 * 203-774-4043

 * 203-240-9611

 * Connect when it's convenient for you. Request a call.

Ready to apply? Start your application.

Apply


MORTGAGE FAQ

Get answers to your questions regarding home financing, refinancing and more.


FHA LOANS

--------------------------------------------------------------------------------

WHAT IS A FHA LOAN?

AFederal Housing Administration (FHA) loanis a government-backed loan that’s
insured by the Federal Housing Administration. FHA loans typically have lower
credit and down payment requirements for qualified home buyers. For example, the
minimum required down payment for an FHA loan is only 3.5% of the purchase
price.

--------------------------------------------------------------------------------

HOW DO I APPLY FOR A FHA LOAN?

If you’ve decided aFederal Housing Administration (FHA) loanmay be right for you
and you meet the established guidelines, including, but not limited to:

 * Down payment amount: – FHA loans require a minimum down payment of 3.5%.
 * Credit score: – FHA loans typically have lower credit requirements than many
   traditional loans.
 * Property requirements: – The home must be used as your primary residence and
   must meet safety, security and soundness standards, meaning the property
   shouldn’t have any structural defects. An FHA-approved appraiser must
   appraise the home.

You canstart your applicationon your own, or with the help of your mortgage loan
officer, who can work with you to see if you qualify for a FHA loan.

--------------------------------------------------------------------------------

HOW DO FHA LOANS WORK?

Federal Housing Administration (FHA) loansare available to all qualified buyers,
regardless of income level. They often have more flexible lending requirements
than conventional loans. All FHA loans require mortgage insurance which protects
the lender against any loss if mortgage payments are missed. To learn more about
how FHA loans work, speak with your mortgage loan officer.


VA LOANS

--------------------------------------------------------------------------------

WHAT IS A VA HOME LOAN?

A Veterans Affairs (VA) loan is a home mortgage that’s backed by the Department
of Veterans Affairs. To be eligible for a VA loan, you must be an active-duty
service member, veteran or eligible surviving spouse. A VA home loan requires
little or no money down at closing, and even with no down payment, mortgage
insurance is not required.

--------------------------------------------------------------------------------

HOW DOES A VA LOAN WORK?

Veterans Affairs (VA) loans are available to active-duty service members,
veterans and eligible surviving spouses. A Certificate of Eligibility from the
VA is required to show whether you qualify based on your service history and
duty status. Your mortgage loan officer will work with you to obtain the
Certificate of Eligibility and can help you better understand how VA loans work.

--------------------------------------------------------------------------------

WHO QUALIFIES FOR A VA LOAN?

Veterans Affairs (VA) loans are available to active-duty service members and
veterans who have served at least 90 days of consecutive service during wartime
or 181 days during peacetime. National Guard members and reservists are eligible
for a VA loan after six years of service or 181 days of active-duty service.
Eligible surviving spouses may also qualify. For more information on how to
apply for a VA home loan, contact your mortgage loan officer.

--------------------------------------------------------------------------------

CAN I GET A SECOND VA HOME LOAN?

There are several ways active-duty service members, veterans and eligible
surviving spouses can take advantage of a Veterans Affairs (VA) loan more than
once. Here are some ways you may be eligible for another VA loan:

 * Purchase a home with a VA loan and then sell it to buy another home with a
   new VA loan.
 * Refinance an existing VA loan into another.
 * Have two VA loans for two different homes at the same time.

For more information on VA loans, speak with your mortgage loan officer.


CONVENTIONAL FIXED-RATE LOANS

--------------------------------------------------------------------------------

WHAT IS A FIXED-RATE LOAN?

A fixed-rate loan is one of the most common types of home loans. Benefits
include a consistent rate, predictable monthly principal and interest payments
and a flexible down payment. If you meet the U.S. Bank credit score and
debt-to-income ratio (the ratio of total monthly debt payments – not including
utilities, cell phone or cable service – compared to gross monthly income)
requirements, a conventional fixed-rate loan may be a good option for you.

--------------------------------------------------------------------------------

WHAT IS A FIXED HOME LOAN RATE?

A fixed-rate loan is a type of loan that comes with an interest rate that won't
change for the life of the loan. Check out today’s rates for a conventional
fixed-rate loan or compare mortgage rates for a variety of loan options. Connect
with your mortgage loan officer to learn more about how fixed-rate loans work.

--------------------------------------------------------------------------------

WHICH IS BETTER: FIXED-RATE LOAN OR VARIABLE?

Monthly principal and interest payments on a conventional fixed-rate mortgage
remain the same for the life of the loan, making it an attractive option for
those who plan to stay in their home for several years. With an adjustable-rate
mortgage (ARM) the interest rate may change periodically, based on a
pre-determined index – for example, the U.S. Treasury – and margin set by the
bank. The initial interest rate is fixed for a set period of five, seven or 10
years depending on the loan product, and then becomes variable. An increase or
decrease depends on the market conditions at the time of the conversion to the
variable rate and during the adjustment period thereafter. This may be a good
option for those who plan on moving within a few years. Consider the benefits of
each to determine which makes the most sense for your situation.


JUMBO LOANS

--------------------------------------------------------------------------------

WHAT IS A JUMBO LOAN?

A jumbo loan is for single-family homes with loan amounts greater than $766,550.
In certain high cost areas, such as Alaska and Hawaii, the loan amount must be
greater than $1,149,825. To qualify for a jumbo mortgage loan, you must meet the
established guidelines for credit score, income and other personal financial
information.

--------------------------------------------------------------------------------

HOW MUCH IS A JUMBO LOAN?

Jumbo loans are mortgages that exceed conforming loan limits. The limit on
conforming loans is $766,550 in most areas of the country, but jumbo mortgages
can exceed these limits. The limit can be as high as $1,149,825 in certain high
cost areas, including Alaska and Hawaii.

--------------------------------------------------------------------------------

WHAT IS A VA JUMBO LOAN?

A VA jumbo loan is a Veterans Affairs (VA) loan that exceeds the conforming loan
limit of $766,550 and up to $1,149,825 in high-cost areas such as Alaska and
Hawaii. If you’re an active-duty service member, veteran or eligible surviving
spouse, and you meet the income and credit requirements, a VA jumbo loan could
be an option for you.


ARM LOANS

--------------------------------------------------------------------------------

WHAT IS AN ARM LOAN?

An adjustable-rate mortgage (ARM) is a home loan that has an initial fixed-rate
period of five, seven or 10 years and an adjustable rate after the fixed-rate
period ends. After the introductory rate term expires, the estimated payment and
rate may change. An increase or decrease depends on the market conditions at the
time of the conversion to the variable rate and during the adjustment period
thereafter. An ARM loan could be a good option if you plan to sell within a few
years.

--------------------------------------------------------------------------------

HOW DOES AN ARM LOAN WORK?

With an (ARM) loan the initial interest rate is fixed for a set period and then
becomes variable, adjusting periodically for the remaining life of the loan
based on market conditions. For example, a jumbo 10/1 ARM has a fixed rate for
the first 10 years and an adjustable rate for the remaining duration of the
loan, adjusting every year. A 7/6 ARM has a fixed rate for the first seven years
and an adjustable rate for the remainder of the loan, adjusting every six
months. To learn more about how ARM loans work, connect with your mortgage loan
officer.

--------------------------------------------------------------------------------

CAN YOU REFINANCE AN ARM LOAN?

Yes, an existing ARM loan can be refinanced upon credit approval. The benefits
of refinancing a mortgage , may include replacing the terms of your current loan
with terms that are more favorable for you, lowering monthly payments, getting
access to cash for major purchases and reducing your interest rate. Your
mortgage loan officer can help you find the right choice for your needs.


DAVE STAMBONE

Mortgage Sales Supervisor

NMLS# 120211

203-774-4043

 * dave.stambone@usbank.com

 * 203-774-4043

 * 203-240-9611

 * Connect when it's convenient for you. Request a call.

Ready to apply? Start your application.

Apply

Loan approval is subject to credit approval and program guidelines. Not all loan
programs are available in all states for all loan amounts. Interest rate and
program terms are subject to change without notice. Mortgage, home equity and
credit products are offered through U.S. Bank National Association. Deposit
products are offered through U.S. Bank National Association. Member FDIC. Equal
Housing Lender

Calculators are provided by Leadfusion. This calculator is being provided for
educational purposes only. The results are estimates that are based on
information you provided and may not reflect U.S. Bank product terms. The
information cannot be used by U.S. Bank to determine a customer's eligibility
for a specific product or service. All financial calculators are provided by the
third-party Leadfusion and are not associated, controlled by or under the
control of U.S. Bank, its affiliates or subsidiaries. U.S. Bank is not
responsible for the content, results, or the accuracy of information.

1. The rates above assume you have a down payment, or equity, of at least 25%
for a conventional fixed-rate loan, an adjustable-rate mortgage (ARM) loan or a
jumbo loan, at least 3.5% for an FHA loan and 0% for a VA loan. Return to
content, Footnote 1

Conforming fixed-rate estimated monthly payment and APR example: A $464,000 loan
amount with a 30-year term at an interest rate of 6.500% with a down-payment, or
borrower equity of 25% and no discount points purchased would result in an
estimated monthly principal and interest payment of $2,933 over the full term of
the loan with an annual percentage rate (APR) of 6.667%.

Estimated monthly payment and APR calculation are based on a down-payment, or
borrower equity of 25% and borrower-paid finance charges of 0.862% of the base
loan amount. If the down payment, or borrower equity is less than 20%, mortgage
insurance may be required, which could increase the monthly payment and the APR.
Estimated monthly payment does not include amounts for taxes and insurance
premiums and the actual payment obligation will be greater.

ARM estimated monthly payment and APR example: A $464,000 loan amount with a
30-year term at an interest rate of 6.875% with a down payment, or borrower
equity of 25% and no discount points purchased would result in an initial
estimated monthly principal and interest payment of $3,048 with an annual
percentage rate (APR) of 7.488%.

Estimated monthly payment and APR calculation are based a fixed-rate period of
five years that could change in interest rate every six months for the next 25
years of the loan term, a down-payment, or borrower equity of 25% and
borrower-paid finance charges of 0.862% of the base loan amount, plus
origination fees if applicable. After the five-year introductory period: the APR
is variable and is based upon an index plus a margin. The APR will vary with a
predetermined index known as the Secured Overnight Financing Rate (SOFR). If the
down payment, or borrower equity is less than 20%, mortgage insurance may be
required, which could increase the monthly payment and the APR. Estimated
monthly payment does not include amounts for taxes and insurance premiums.
Adjustable-rate loans and rates are subject to change during the loan term. That
change can increase or decrease your monthly payment.

FHA estimated monthly payment and APR example: A $265,375 base loan amount with
a 30-year term at an interest rate of 6.250% with a down payment, or borrower
equity of 3.5% and no discount points purchased would result in an estimated
monthly principal and interest payment of $1,663 over the full term of the loan
with an annual percentage rate (APR) of 7.478%.

Estimated monthly payment and APR calculation are based on a down payment, or
borrower equity of 3.5% and borrower-paid finance charges of 0.862% of the base
loan amount. Estimated monthly payment and APR assumes that the upfront mortgage
insurance premium of $4,644 is financed into the loan amount. The estimated
monthly payment shown here does not include the FHA-required monthly mortgage
insurance premium, taxes and insurance premiums, and the actual payment
obligation will be greater.

VA estimated monthly payment and APR example: A $264,000 base loan amount with a
30-year term at an interest rate of 6.250% with no down payment, or borrower
equity and no discount points purchased would result in an estimated monthly
principle and interest payment of $1,663 over the full term of the loan with an
annual percentage rate (APR) of 6.663%.

Estimated monthly payment and APR calculation are based on a down payment, or
borrower equity of 0% and borrower-paid finance charges of 0.862% of the base
loan amount, plus origination fees if applicable. Estimated monthly payment and
APR assumes that the VA funding fee of $6,072 is financed into the loan amount.
Estimated monthly payment does not include amounts for taxes and insurance
premiums, and the actual payment obligation will be greater.

Jumbo estimated monthly payment and APR example: A $940,000 loan amount with a
30-year term at an interest rate of 5.625% with a down payment, or borrower
equity of 25% and no discount points purchased would result in an estimated
monthly principle and interest payment of $5,411 over the full term of the loan
with an annual percentage rate (APR) of 5.784%.

Estimated monthly payment and APR calculation are based on a down payment, or
borrower equity of 25% and borrower-paid finance charges of 0.862% of the base
loan amount. If the down payment, or borrower equity is less than 20%, mortgage
insurance may be required, which could increase the monthly payment and the APR.
Estimated monthly payment does not include amounts for taxes and insurance
premiums and the actual payment obligation will be greater.

The rates shown above are the current rates for a single-family primary
residence based on a 45-day lock period. These rates are not guaranteed and are
subject to change. This is not a credit decision or a commitment to lend. Your
final rate will depend on various factors including loan product, loan size,
credit profile, property value, geographic location, occupancy and other
factors.

To lock a rate, you must submit an application to U.S. Bank and receive
confirmation from a mortgage loan officer that your rate is locked. Application
can be made by starting it online or by meeting with a mortgage loan officer.

Minnesota properties: To guarantee a rate, you must receive written confirmation
as required by Minnesota Statute 47.206. This statement of current loan terms
and conditions is not an offer to enter into an interest rate or discount point
agreement. Any such offer may be made only pursuant to subdivisions 3 and 4 of
Minnesota Statutes Section 47.206.

Conforming fixed-rate loans:  The annual percentage rate (APR) calculation
assumes a $464,000 fixed-term loan with a down payment, or borrower equity of
25% and borrower-paid finance charges of 0.862% of the loan amount, plus
origination fees if applicable. If the down payment, or borrower equity is less
than 20%, mortgage insurance may be required, which could increase the monthly
payment and the APR. Conforming rates are for loan amounts not exceeding
$766,550 ($1,149,825 in AK and HI).

Conforming ARM loans: Adjustable-rate loans and rates are subject to change
during the loan term. That change can increase or decrease your monthly payment.
The annual percentage rate (APR) calculation assumes a $464,000 loan with a 25%
down payment, or borrower equity, and borrower-paid finance charges of 0.862% of
the loan amount, plus origination fees if applicable. If the down payment or
borrower equity, is less than 20%, mortgage insurance may be required, which
could increase the monthly payment and the APR. Conforming rates are for loan
amounts not exceeding $766,550 ($1,149,825 in AK and HI).

Non-conforming ARM loans: Adjustable-rate loans and rates are subject to change
during the loan term. That change can increase or decrease your monthly payment.
The annual percentage rate (APR) calculation assumes a $940,000 loan with a down
payment, or borrower equity, of 25% and borrower-paid finance charges of 0.862%
of the loan amount, plus origination fees if applicable. If the down payment, or
borrower equity is less than 20%, mortgage insurance may be required, which
could increase the monthly payment and the APR. Non-conforming rates are for
loan amounts exceeding $766,550 ($1,149,825 in AK and HI).

Jumbo loans: The annual percentage rate (APR) calculation assumes a $940,000
fixed-term loan with a 25% down payment or borrower equity and borrower-paid
finance charges of 0.862% of the loan amount, plus origination fees if
applicable. If the down payment, or borrower equity, is less than 20%, mortgage
insurance may be required, which could increase the monthly payment and the APR.
Jumbo rates are for loan amounts exceeding $766,550 ($1,149,825 in Alaska and
Hawaii).

FHA loans: The annual percentage rate (APR) calculation assumes a
$270,019 fixed-term loan ($265,375 base amount plus $4,644 upfront mortgage
insurance premium) with a 3.5% down payment, or borrower equity, monthly
mortgage insurance premium of $176.30, and borrower-paid finance charges of
0.862% of the base loan amount, plus origination fees if applicable.

VA loans: The annual percentage rate (APR) calculation assumes a $270,072
fixed-term loan ($264,000 base amount plus $6,072 VA funding fee) with no down
payment, or borrower equity and borrower-paid finance charges of 0.862% of the
base loan amount, plus origination fees if applicable.

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