DISCLOSURES:

Mortgage Products (Purchase and Refinance):

The lenders whose rates and other terms appear on this site are our advertising partners. The interest rates, annual percentage rates, and other terms advertised here are estimates provided by those advertising partners based on the information you entered above and do not bind any lender. Monthly payment amounts stated do not include amounts for taxes and insurance premiums. The actual payment obligation will be greater if taxes and insurance are included.

Although Brown Bag Marketing collects the information from the financial institutions themselves, the accuracy of the data cannot be guaranteed. Rates may change without notice and can change intraday. Some of the information contained in the rate tables, including but not limited to special marketing notes, are provided directly by the lenders. Please verify the rates and offers before applying for a loan with the financial institution themselves.

The rate, terms, pre-paid finance charges and APR are based on several factors including, but not limited to, the credit score of the applicant, type of property, the loan to value ratio, the amount of the loan and location of the property. Annual Percentage Rates (APR) include all prepaid finance charges that can be amortized over the life of the loan under the Truth-in-Lending Act (TILA).

The rate is based on an applicant with verifiable income and no other relationship with the financial institution offering the loan. All quotes are for products or loans that do not contain prepayment penalties or negative amortization. Rates are based on a 30, 45 or 60day lock periods, and can include discount point ranges of 0 – 3%. Fees disclosed can include lenders Origination points, or brokers’ fee charged as a percent of the loan amount.

Fixed Rate Conforming Loans - Some rates are based on a financed loan amount of $200,000 for a purchase or refinance transaction of an owner occupied, single-family residence with an 80% loan-to-value ratio (96.5% LTV for FHA’s and VAs) and 740 fico credit score.

Fixed Rate Jumbo Loans - Some rates could be based on a financed loan amount as low as $ 510,401 for a purchase or refinance transaction of an owner occupied, single-family residence and 740 fico credit score. Loan to Value minimum and maximum may differ by investor guidelines.

Adjustable Rate Conforming Loans - Some rates are based on a financed loan amount of $200,000 for a purchase or refinance transaction of an owner occupied, single-family residence with an 80% loan-to-value ratio (96.5% LTV for FHA’s and VAs) and 740 credit score. ARM loans are calculated over a 30YR amortization period. ARM loans are based on the 1YR Treasury Index plus an additional margin provided by individual lenders. ARM rates will be fixed for the note period and then can adjust periodically.

Adjustable Rate Jumbo Loans - Some rates could be based on a financed loan amount as low as $510,401 for a purchase or refinance transaction of an owner occupied, single-family residence and 740 credit score. Loan to Value minimum and maximum may differ by investor guidelines. ARM loans are calculated over a 30YR amortization period. ARM loans are based on the 1YR Treasury Index plus an additional margin provided by individual lenders. ARM rates will be fixed for the note period and then can adjust periodically.

Home Equity Products:

Home Equity Loans - Rates are based on a fixed rate home equity loan for an owner occupied residence, second lien, 10 year or 15 year repayment terms with an 80% loan-to-value ratio for loan amounts of $50,000 or $50,000+.

Rate Discount indicates the amount of reduction in the Rate for having monthly payments automatically deducted from an account and/or for having other relationship accounts with the institution, expressed as a percentage. Rates shown may be subject to regional pricing.

Conditions “No closing costs” indicates that customer is not required to pay closing costs on the loan. “With closing costs” indicates that customer is required to pay closing costs on the loan. Rates displayed may include discounts. Rates are subject to change without notice.

Home Equity Line of Credit - Rates are based on a variable rate, second lien revolving home equity line of credit for an owner occupied residence with an 80% loan-to-value ratio for line amounts of $50,000 or $50,000+.

Discount indicates the amount of reduction in the Rate for having monthly payments automatically deducted from an account and/or for having other relationship accounts with the institution, expressed as a percentage. Rates shown may be subject to regional pricing.

Conditions – “No closing costs” indicates that customer is not required to pay closing costs on the line of credit. “With closing costs” indicates that customer is required to pay closing costs on the line of credit. Rates displayed may include discounts. Rates are subject to change without notice.

Deposit and Retirement Products:
APY’s – Annual Percentage Yields - are based on the highest APY offered for the given deposit amount and below. Rates are subject to change without notice. “Min. Balance” represents the minimum amount to obtain the APY.

Many of the offers appearing on this site are from advertisers from which this website receives compensation for being listed here. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). These offers do not represent all deposit accounts available.

Auto Loan Products:

New Auto Loans - Rates are based on a $25,000 loan for a purchase transaction of a new vehicle. Discounts indicate the amount of reduction in the Rate for having monthly payments automatically deducted from an account and/or for having other relationship accounts with the institution, expressed as a percentage. Rates are based on a 740 Credit Score and they are subject to change without notice.

Used Auto Loans - Rates are based on a $15,000 loan for a purchase or refinance transaction of a 2-year old used vehicle. Discounts indicate the amount of reduction in the Rate for having monthly payments automatically deducted from an account and/or for having other relationship accounts with the institution, expressed as a percentage. Rates are based on a 740 Credit Score and they are subject to change without notice.

Credit Card Products:

1. Best Overall Deal – Ranking is by lowest annual cost excluding introductory or “teaser” rates, assuming an average balance of $2,500 is carried for one year, annual fee is paid during the first month, and late fees are incurred twice during the first year. Rates and conditions are subject to change at any time.

2. Cash Back Cards – Ranking is by lowest annual percentage rate as well as cash back percentage. Rates and conditions subject to change at any time.

3. Frequent Flyer Cards – Ranking is by lowest annual cost excluding introductory or “teaser” rates, assuming an average balance of $2,500 is carried for one year, annual fee is paid during the first month, and late fees are incurred twice during the first year. Rates and conditions are subject to change at any time.

4. Low Regular Annual Percentage Rate Cards – Ranking is by lowest regular annual percentage rate, excluding introductory or “teaser” rates. Rates and conditions are subject to change at any time.

5. Low Introductory Balance Transfer Rate Cards - Ranking is by lowest balance transfer introductory rate for a period of time. Rates and conditions are subject to change at any time.

6. Low Introductory Purchase Rate Cards – Ranking is by lowest purchase introductory rate for period of time. Rates and conditions are subject to change at any time.

7. No Annual Fee Cards - Ranking is by lowest annual percentage rate, excluding introductory or "teaser" rates. Rates and conditions are subject to change at any time.

8. Reward Cards - Ranking is by lowest annual cost excluding introductory or "teaser" rates, assuming an average balance of $2,500 is carried for one year, annual fee is paid during the first month, and late fees are incurred twice during the first year. Rates and conditions are subject to change at any time.

9. Small Business Cards - Ranking is by lowest annual percentage rate as well as annual fee. Rates and conditions are subject to change at any time.

10. Student Cards - Ranking is by lowest annual percentage rate as well as annual fee. Rates and conditions are subject to change at any time.

11. Poor-Credit Offers - Ranking is by lowest annual percentage rate as well as annual fee and application fee. Rates and conditions are subject to change at any time.

12. Secured Cards - Ranking is by lowest annual percentage rate as well as annual fee and application fee. Rates and conditions are subject to change at any time.

Contact mediasupport@brownbagmarketing.com to have your rates included in this chart.

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