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Conventional 30-year Fixed-Rate Loan:

Rate(s) quoted is/are based upon a $400,000, 30-year fixed mortgage. 25% down payment, 740 credit score, and a DTI of 35% required. Rates are subject to change and are subject to borrower(s) qualification. *Rates quoted are based on the examples above. Rates are subject to change and are subject to borrower qualification. Terms of repayment that reflect the payment obligations over the full term of the loan, including any balloon payment (typically a payment schedule). Payment does not include taxes and insurance. The actual payment amount will be greater. Some state and county maximum loan amount restrictions may apply.

Conventional 15-year Fixed-Rate Loan:

Rate(s) quoted is/are based upon a $400,000, 15-year fixed mortgage. 25% down payment, 740 credit score, and a DTI of 35% required. Rates are subject to change and are subject to borrower(s) qualification. *Rates quoted are based on the examples above. Rates are subject to change and are subject to borrower qualification. Terms of repayment that reflect the repayment obligations over the full term of the loan, including any balloon payment (typically a payment schedule). Payment does not include taxes and insurance. The actual payment amount will be greater. Some state and county maximum loan amount restrictions may apply.

FHA Loan:

Rate(s) quoted is/are based upon a $400,000, 30-year fixed mortgage. 3.5% down payment, 740 credit score, and a DTI of 35% required. Rates are subject to change and are subject to borrower(s)qualification. *Rates quoted are based on the examples above. Rates are subject to change and are subject to borrower qualification. Terms of repayment that reflect the payment obligations over the full term of the loan, including any balloon payment (typically a payment schedule). Thereafter, the monthly loan payment will consist of equal monthly principal and interest payments only until the end of the loan. Payment does not include taxes and insurance premiums. The actual payment amount will be greater. Some state and county maximum loan amount restrictions may apply.

VA Loan:

Rate(s) quoted is/are based upon a $400,000, 30-year fixed mortgage. 0% down payment, 740 credit score, a DTI of 35% required, and a 2.3% funding fee. Rates are subject to change and are subject to borrower(s) qualification. *Rates quoted are based on the examples above. Rates are subject to change and are subject to borrower qualification. Terms of repayment that reflect the repayment obligations over the full term of the loan, including any balloon payment (typically a payment schedule). Payment does not include taxes and insurance premiums. The actual payment amount will be greater. Some state and county maximum loan amount restrictions may apply. VA loans do not require PMI. The VA loan is a benefit of military service and only offered to veterans, surviving spouses, and active-duty military. The Home Loan Expert isa VA approved Lender; not endorsed or sponsored by the Dept. of Veterans Affairs or any government agency. VA Interest rate reduction loans (IRRRL) are only for Veterans who currently have a VA loan, current loan rate restrictions apply, and limits to recoupment of costs and fees apply. Program and Lender overlays apply. *Closing costs and fees may still apply. VA home loan purchases, have options for 0% down payment, No private mortgage Insurance requirements, competitive interest rates, with specific qualification requirements. VA Interest rate reduction loans (IRRRL) are only for Veterans who currently have a VA loan, current loan rate restrictions apply, and limits to recoupment of costs and fees apply. VA Cash-out Refinances are available for Veterans with or without current VA loans. Policies and guidelines may vary and are subject to the individual borrower(s) qualification. Program and Lender overlays apply.

by The Hometown Mortgage Co. NMLS#: Utah DRE Mortgage Office License # 8335595. MLO 1639863. All loans subject to credit and property approval. The Hometown Mortgage Co. NMLS . The Hometown Mortgage Co. is an Equal Housing Lender. Some products and services may not be available in all states. Credit and collateral are subject to approval. Terms and conditions apply. This is not a commitment to lend. Programs, rates, terms and conditions are subject to change without notice.