Disclosures & Mortgage Assumptions

 Mortgage Rate Assumptions

• Rates shown assume a purchase or rate term refinance.
• Rates may be higher for cash out refinance transactions.
• Rates are subject to change without notice.
• Rate is guaranteed with a 30 day rate lock.
• Closing Costs assume the borrower’s monthly insurance payments and property tax are escrowed.
• Rates are subject to underwriter approval; not all applicants will be approved.
• Fees and charges apply.
• Rates based on a Florida property.
• Mortgage insurance (MI) is not included in the payment quoted. MI will be required for all FHA and VA loans as well as conforming loans where the loan-to-value is greater than 80%.
• Rate availability will depend upon an individual’s credit score, debt to income ratio, and details of the loan program transaction. View credit assumptions for specific loan program assumptions here.  
• The Interest rates quoted here are subject to change at any time and cannot be guaranteed until locked in after completing application by your Mortgage Expert.

Conforming | 30-Year Fixed – First Mortgage
Disclosed rate assumes a $350,000 rate and term refinance loan on an owner-occupied single family residence in Florida, borrower is not self-employed and owns no other properties, minimum 780 FICO credit score, debt to income ratio under 40%, one and a half points, 80% loan to value with no subordinate debt. If these factors are not met, you may still qualify. Subject to underwriting approval. Not all applicants will qualify. 30-year fixed rate mortgage transactions have 360 monthly principal and interest payments. 
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Conforming | 30-Year Fixed New Construction – First Mortgage
Disclosed rate assumes a $350,000 rate and term refinance loan on an owner-occupied single family residence in Florida, borrower is not self-employed and owns no other properties, minimum 780 FICO credit score, debt to income ratio under 40%, one and a half points, 80% loan to value with no subordinate debt. If these factors are not met, you may still qualify. Subject to underwriting approval. Not all applicants will qualify. 30-year fixed rate mortgage transactions have 360 monthly principal and interest payments. 
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Conforming | 15-Year Fixed – First Mortgage
Disclosed rate assumes a $350,000 rate and term refinance loan on an owner-occupied single family residence in Florida, borrower is not self-employed and owns no other properties, minimum 780 FICO credit score, debt to income ratio under 40%, one and a half points, 80% loan to value with no subordinate debt. If these factors are not met, you may still qualify. Subject to underwriting approval. Not all applicants will qualify. 15-year fixed rate mortgage transactions have 180 monthly principal and interest payments. 
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Conforming | 10-Year Fixed – First Mortgage
Disclosed rate assumes a $350,000 rate and term refinance with on an owner-occupied single family residence in Florida, borrower is not self-employed and owns no other properties, minimum 780 FICO credit score, debt to income ratio under 40%, one and a half points, 80% loan to value with no subordinate debt. If these factors are not met, you may still qualify. Subject to underwriting approval. Not all applicants will qualify. 10-year fixed rate mortgage transactions have 120 monthly principal and interest payments.
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Conforming | 30-Year Fixed – Second Home Mortgage
Disclosed rate assumes a $350,000 rate and term refinance loan on an owner-occupied single family residence in Florida, borrower is not self-employed, minimum 780 FICO credit score, debt to income ratio under 40%, one and a half points, 80% loan to value with no subordinate debt. If these factors are not met, you may still qualify. Subject to underwriting approval. Not all applicants will qualify. 30-year fixed rate mortgage transactions have 360 monthly principal and interest payments. 
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Conforming | 30-Year Fixed – Investment Property Mortgage
Disclosed rate assumes a $350,000 rate and term refinance loan on a non-owner-occupied single family residence in Florida, borrower is not self-employed, minimum 780 FICO credit score, debt to income ratio under 40%, one and a half  points, 80% loan to value with no subordinate debt. If these factors are not met, you may still qualify. Subject to underwriting approval. Not all applicants will qualify. 30-year fixed rate mortgage transactions have 360 monthly principal and interest payments. 
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Conforming Down Payment Assistance | DPA 30-Year Fixed – First & Second Mortgage
Disclosed rate assumes a $300,000 purchase loan on an owner-occupied single family residence in Florida, borrower is not self-employed and owns no other properties, minimum 780 FICO credit score, debt to income ratio under 40%, no points 101% loan to value with subordinate debt. If DPA program requirements are not met, you may not qualify. Subject to underwriting approval. Not all applicants will qualify. 30-year fixed rate mortgage transactions have 360 monthly principal and interest payments. 
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Asset Depletion | 30-Year Fixed – First Mortgage
Disclosed rate assumes a $350,000 rate and term refinance loan on an owner-occupied single family residence in Florida, borrower is self-employed and owns no other properties, minimum 780 FICO credit score, debt to income ratio under 43%, two points, verified assets are used as income, 70% loan to value with no subordinate debt. If these factors are not met, you may still qualify. Subject to underwriting approval. Not all applicants will qualify. 30-year fixed rate mortgage transactions have 360 monthly principal and interest payments. 
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Bank Statements | 30-Year Fixed – First Mortgage | 24 Months Statements
Disclosed rate assumes a $350,000 rate and term refinance loan on an owner-occupied single family residence in Florida, borrower is self-employed and owns no other properties, minimum 780 FICO credit score, debt to income ratio under 43%, two points, 24 months of personal bank statements, 70% loan to value with no subordinate debt. If these factors are not met, you may still qualify. Subject to underwriting approval. Not all applicants will qualify. 30-year fixed rate mortgage transactions have 360 monthly principal and interest payments. 
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Bank Statements | 30-Year Fixed – First Mortgage | 12 Months Statements
Disclosed rate assumes a $350,000 rate and term refinance loan on an owner-occupied single family residence in Florida, borrower is self-employed and owns no other properties, minimum 780 FICO credit score, debt to income ratio under 43%, two points, 12 months of personal bank statements, 70% loan to value with no subordinate debt. If these factors are not met, you may still qualify. Subject to underwriting approval. Not all applicants will qualify. 30-year fixed rate mortgage transactions have 360 monthly principal and interest payments. 
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Bank Statements | 30-Year Fixed – First Mortgage | 3 Months Personal Statements
Disclosed rate assumes a $350,000 rate and term refinance loan on an owner-occupied single family residence in Florida, borrower is self-employed and owns no other properties, minimum 780 FICO credit score, debt to income ratio under 43%, two points, 3 months of personal bank statements, 70% loan to value with no subordinate debt. If these factors are not met, you may still qualify. Subject to underwriting approval. Not all applicants will qualify. 30-year fixed rate mortgage transactions have 360 monthly principal and interest payments. 
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Bridge Loan | 12-Month Fixed 
Disclosed rate assumes a $350,000 cash out refinance with on an owner-occupied single family residence in Florida, borrower is not self-employed and owns no other properties, minimum 780 FICO credit score, debt to income ratio under 43%, three and one quarter points, 75% loan to value with no subordinate debt. Equity used for down payment for the new home. Bridge financing only available in conjunction with financing on the new purchase home. Balloon payment due in 12 months for Primary Residences and Second Homes and 6 months for Non-Owner Occupied properties with no monthly payments required. If these factors are not met, you may still qualify. Subject to underwriting approval. Not all applicants will qualify. 
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Condotel | 30-Year Fixed – First Mortgage
Disclosed rate assumes a $350,000 purchase loan amount on a non-owner occupied condotel unit in Florida, borrower is not self-employed and owns no other properties, minimum 780 FICO credit score, debt to income ratio under 40%, two points, 70% loan to value with no subordinate debt. If these factors are not met, you may still qualify. Subject to underwriting approval. Not all applicants will qualify. 30-year fixed rate mortgage transactions have 360 monthly principal and interest payments. 
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Condotel | 3/5/7 – Year Adjustable Rates
Disclosed rate assumes a $350,000 purchase loan amount on a non-owner occupied condotel unit in Florida with long-term rental income, borrower is not self-employed and owns no other properties, minimum 780 FICO credit score, debt to income ratio under 40%, 75% loan to value with no subordinate debt. Adjustable rate includes 2/2/6 caps, 1-year CMT Index, 3.0% Margin, and the floor rate is equal to the note rate. Payments are based on a 30-year term. If these factors are not met, you may still qualify. Subject to underwriting approval. Not all applicants will qualify. 3-year term mortgage transaction has 36 monthly principal and interest payments. 5-year term mortgage transaction has 6o monthly principal and interest payments. 7-year term mortgage transaction has 84 monthly principal and interest payments. 
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Coop | 3/5/7 – Year Adjustable Rates – First Mortgage
Disclosed rate assumes a $350,000 purchase loan amount on an owner occupied coop unit in Florida, borrower is not self-employed and owns no other properties, minimum 780 FICO credit score, debt to income ratio under 40%, 80% loan to value with no subordinate debt. Adjustable rate includes 2/2/6 caps, 1-year CMT Index, 3.0% Margin, and the floor rate is equal to the note rate. Payments are based on a 30-year term. If these factors are not met, you may still qualify. Subject to underwriting approval. Not all applicants will qualify. 3-year term mortgage transaction has 36 monthly principal and interest payments. 5-year term mortgage transaction has 6o monthly principal and interest payments. 7-year term mortgage transaction has 84 monthly principal and interest payments. 
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Debt Service Coverage Ratio [ DSCR ] | 30-Year Fixed – First Mortgage
Disclosed rate assumes a $350,000 rate and term refinance loan on a non-owner occupied single family investment property with long term rental income with a debt coverage ratio of 1% in Florida, borrower owns 1 additional investment property, minimum 780 FICO credit score, two points, 75% loan to value with no subordinate debt. If these factors are not met, you may still qualify. Subject to underwriting approval. Not all applicants will qualify. 30-year fixed rate mortgage transactions have 360 monthly principal and interest payments. 
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Delayed Financing | 30-Year Fixed – First Mortgage
Disclosed rate assumes a $350,000 cash out refinance  loan on an owner-occupied single family residence in Florida with was a cash purchase in the past 90 days, borrower is not self-employed and owns no other properties, minimum 780 FICO credit score, debt to income ratio under 43%, two points, 80% loan to value with no subordinate debt. If these factors are not met, you may still qualify. Subject to underwriting approval. Not all applicants will qualify. 30-year fixed rate mortgage transactions have 360 monthly principal and interest payments. 
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Foreign National | 30-Year Fixed – First Mortgage
Disclosed rate assumes a $350,000 rate and term refinance loan on an second home single family residence in Florida, borrower is not self-employed and owns no other properties, minimum 780 FICO credit score, two points, 65% loan to value with no subordinate debt. If these factors are not met, you may still qualify. Subject to underwriting approval. Not all applicants will qualify. 30-year fixed rate mortgage transactions have 360 monthly principal and interest payments. 
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Jumbo | Non-Conforming 15 and 30-Year Fixed $766,550 to $5,000,000 – First Mortgage
Disclosed rate assumes a $900,000 rate and term refinance loan on an owner-occupied single family residence in Florida, borrower is not self-employed and owns no other properties, minimum 780 FICO credit score, debt to income ratio under 40%, three quarters of a point, 80% loan to value with no subordinate debt. If these factors are not met, you may still qualify. Subject to underwriting approval. Not all applicants will qualify. 30-year fixed rate mortgage transactions have 360 monthly principal and interest payments. 15-year fixed rate mortgage transactions have 180 monthly principal and interest payments. 
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No Tax Return Loan | 30-Year Fixed – First Mortgage
Disclosed rate based on a 30 year fixed-rate mortgage of $350,000, rate and term refinance loan on an owner-occupied single-family residence in Florida, with no subordinate debt, and the appraised value of the subject property sets the loan-to-value (LTV) to a maximum of 60%, two points, borrower has a minimum 780 FICO credit score, debt to income ratio under 40%, owns no other properties, is a U.S. Citizen and at least one borrower is self-employed. If these factors are not met, you may still qualify for a loan. Subject to underwriting approval including, but not limited to, verification of acceptable income, assets and collateral. Not all applicants will qualify. 30-year fixed rate mortgage transactions have 360 monthly principal and interest payments. 30-year fixed rate mortgage transactions have 360 monthly principal and interest payments.
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Non-Warrantable Condo | 30-Year Fixed – First Mortgage
Disclosed rate assumes a $350,000 purchase loan amount on an owner occupied non-warrantable condo unit in Florida, borrower is not self-employed and owns no other properties, minimum 780 FICO credit score, debt to income ratio under 40%, two points, 80% loan to value with no subordinate debt. If these factors are not met, you may still qualify. Subject to underwriting approval. Not all applicants will qualify. 30-year fixed rate mortgage transactions have 360 monthly principal and interest payments. 
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Non-Warrantable Condo | 3/5/7 – Year Adjustable Rates
Disclosed rate assumes a $350,000 purchase loan amount on an owner occupied non-warrantable condo unit in Florida, borrower is not self-employed and owns no other properties, minimum 780 FICO credit score, debt to income ratio under 40%, 75% loan to value with no subordinate debt. Adjustable rate includes 2/2/6 caps, 1-year CMT Index, 3.0% Margin, and the floor rate is equal to the note rate. Payments are based on a 30-year term. If these factors are not met, you may still qualify. Subject to underwriting approval. Not all applicants will qualify. 3-year term mortgage transaction has 36 monthly principal and interest payments. 5-year term mortgage transaction has 6o monthly principal and interest payments. 7-year term mortgage transaction has 84 monthly principal and interest payments.
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FHA | 30-Year Fixed 
Disclosed rate assumes a $300,000 purchase loan with 1.750 percent borrower paid up-front mortgage insurance premium and .85 percent monthly mortgage insurance premium on an owner-occupied single family residence in Florida, borrower is not self-employed and owns no other properties, minimum 700 FICO credit score, debt to income ration under 40%, one and a half  points, 96.50% loan to value with no subordinate debt. Impounds for taxes and insurance required. If these factors are not met, you may still qualify for a loan. Subject to underwriting approval. Not all applicants will qualify. 30-year fixed rate mortgage transactions have 360 monthly principal and interest payments. 15-year fixed rate mortgage transactions have 180 monthly principal and interest payments. 
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FHA New Construction | 30-Year Fixed 
Disclosed rate assumes a $300,000 purchase loan with 1.750 percent borrower paid up-front mortgage insurance premium and .80 percent monthly mortgage insurance premium on an owner-occupied single family residence in Florida, borrower is not self-employed and owns no other properties, minimum 700 FICO credit score, debt to income ration under 40%, one and a half  points, 96.50% loan to value with no subordinate debt. Impounds for taxes and insurance required. If these factors are not met, you may still qualify for a loan. Subject to underwriting approval. Not all applicants will qualify. 30-year fixed rate mortgage transactions have 360 monthly principal and interest payments. 15-year fixed rate mortgage transactions have 180 monthly principal and interest payments. 
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FHA High Balance | 30-Year Fixed 
Disclosed rate assumes a $350,000 rate and term refinance loan with 1.750 percent borrower paid up-front mortgage insurance premium and .850 percent monthly mortgage insurance premium on an owner-occupied single family residence in Florida, borrower is not self-employed and owns no other properties, minimum 700 FICO credit score, debt to income ration under 40%, one and a half  points, 96.50% loan to value with no subordinate debt. Impounds for taxes and insurance required. If these factors are not met, you may still qualify for a loan. Subject to underwriting approval. Not all applicants will qualify. 30-year fixed rate mortgage transactions have 360 monthly principal and interest payments. 15-year fixed rate mortgage transactions have 180 monthly principal and interest payments. 
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USDA | 30-Year Fixed 
Disclosed rate assumes a $300,000 rate and term refinance loan with 1.00 percent borrower paid up-front guarantee fee and .35 percent monthly mortgage insurance premium on an owner-occupied single family residence in Florida, borrower is not self-employed and owns no other properties, minimum 700 FICO credit score, debt to income ration under 40%, no points, 101.00% loan to value with no subordinate debt. Impounds for taxes and insurance required. If these factors are not met, you may still qualify for a loan. Subject to underwriting approval. Not all applicants will qualify. 30-year fixed rate mortgage transactions have 360 monthly principal and interest payments. 15-year fixed rate mortgage transactions have 180 monthly principal and interest payments. 
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USDA New Construction | 30-Year Fixed 
Disclosed rate assumes a $300,000 rate and term refinance loan with 1.00 percent borrower paid up-front guarantee fee and .35 percent monthly mortgage insurance premium on an owner-occupied single family residence in Florida, borrower is not self-employed and owns no other properties, minimum 700 FICO credit score, debt to income ratio under 40%, one and a half points, 101.00% loan to value with no subordinate debt. Impounds for taxes and insurance required. If these factors are not met, you may still qualify for a loan. Subject to underwriting approval. Not all applicants will qualify. 30-year fixed rate mortgage transactions have 360 monthly principal and interest payments. 15-year fixed rate mortgage transactions have 180 monthly principal and interest payments. 
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VA | 30-Year Fixed 
Disclosed rate assumes a $300,000 purchase loan with a 2.300 percent VA Funding Fee on an owner-occupied single family residence in Florida, borrower is not self-employed and owns no other properties, minimum 700 FICO credit score, debt to income ratio under 40%, one and a half  points, 100% loan to value with no subordinate debt. Impounds for taxes and insurance required. If these factors are not met, you may still qualify for a loan. Subject to underwriting approval. Not all applicants will qualify. 30-year fixed rate mortgage transactions have 360 monthly principal and interest payments. 15-year fixed rate mortgage transactions have 180 monthly principal and interest payments. 
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VA New Construction | 30-Year Fixed 
Disclosed rate assumes a $300,000 purchase loan with a 2.300 percent VA Funding Fee on an owner-occupied single family residence in Florida, borrower is not self-employed and owns no other properties, minimum 700 FICO credit score, debt to income ration under 40%, one and a half points, 100% loan to value with no subordinate debt. Impounds for taxes and insurance required. If these factors are not met, you may still qualify for a loan. Subject to underwriting approval. Not all applicants will qualify. 30-year fixed rate mortgage transactions have 360 monthly principal and interest payments. 15-year fixed rate mortgage transactions have 180 monthly principal and interest payments. 
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VA IRRRL | 30-Year Fixed 
Disclosed rate assumes a $300,000 interest rate reduction refinance loan, no cash-out with a 3.300 percent VA Funding Fee on an owner-occupied single family residence, borrower is not self-employed and owns no other properties, minimum 700 FICO credit score, debt to income ratio under 40%, no points, 100% loan to value with no subordinate debt. Impounds for taxes and insurance required. If these factors are not met, you may still qualify for a loan. Subject to underwriting approval. Not all applicants will qualify. 30-year fixed rate mortgage transactions have 360 monthly principal and interest payments. 15-year fixed rate mortgage transactions have 180 monthly principal and interest payments. 
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1 Year Tax Return | 30-Year Fixed 
Disclosed rate assumes a $350,000 rate and term refinance loan on an owner-occupied single family residence in Florida, borrower is not self-employed and owns no other properties, minimum 780 FICO credit score, debt to income ratio under 40%, two points, 70% loan to value with no subordinate debt. If these factors are not met, you may still qualify. Subject to underwriting approval. Not all applicants will qualify. 30-year fixed rate mortgage transactions have 360 monthly principal and interest payments. 
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1 Year Tax Return | 15-Year Fixed 
Disclosed rate assumes a $350,000 rate and term refinance loan on an owner-occupied single family residence in Florida, borrower is not self-employed and owns no other properties, minimum 780 FICO credit score, debt to income ratio under 40%, two points, 70% loan to value with no subordinate debt. If these factors are not met, you may still qualify. Subject to underwriting approval. Not all applicants will qualify. 15-year fixed rate mortgage transactions have 180 monthly principal and interest payments. 
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Rates, loan products & fees subject to change without notice. Your rate and term may vary. If you do not lock in a rate when you apply, your rate at closing may differ from the rate in effect when you applied. Subject to underwriting approval. Not all applicants will be approved. Full documentation & property insurance required. Loan secured by a lien against your property. Consolidating or refinancing debts may increase the time and/or the finance charges/total loan amount needed to repay your debt. Terms, conditions & restrictions apply. Call 888-259-2257 for details.

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Equal Housing Lender

We conduct business in accordance with the Federal Fair Housing Law (Fair Housing Amendments Act of 1988). It is illegal to discriminate against any person because of race, color, religion, sex, handicap, familial status, or national origin:

• In the sale or rental of housing
• In advertising the sale or rental of housing
• In the financing of housing
• In the provision of real estate brokerage service
• In the appraisal of housing
• Blockbusting is also illegal

Anyone who feels he or she has been discriminated against may file a complaint of housing discrimination: 1-800-669-9777 (toll free), or 1-800-927-9275 (tdd), or send to:

Office of Fair Housing and Equal Opportunity
Department of Housing and Urban Development
Room 5204
451 Seventh St. SW
Washington, DC 20410-2000

Or online: http://portal.hud.gov/hudportal/HUD?src=/program_offices/fair_housing_equal_opp/online-complaint

Fair Lending Policy

It is our policy to comply with the Equal Credit Opportunity Act and the Fair Housing Act. In addition, it is our policy to comply with state laws that provide greater protection. Fidelity Home Group does not discriminate against any applicant on the basis of race; color; religion; creed; national origin; ancestry; sex; marital status; familial status (number and age of children); sexual orientation; age (provided that the applicant has the capacity to enter into a binding agreement); medical history; disability; physical condition; military status; because the applicant has in good faith exercised any right under the Consumer Credit Protection Act or the Service members Civil Relief Act (SCRA); that all or part of a consumer’s income derives from a public assistance program; or any other basis prohibited by law.

At Fidelity Home Group, we do not discriminate against any applicant or discourage anyone on a prohibited basis from submitting an application. To assure that our employees have a clear and unequivocal statement of our commitment to a nondiscriminatory method of doing business, we have adopted the following fair lending policy. Employees must be thoroughly familiar with this policy and follow it.

1. We do not discriminate against a loan applicant or borrower on the basis of race, color, religion, national origin, sexual orientation, handicap, age, the fact that all or part of an applicant’s income comes from any public assistance program or because the applicant has exercised any right under any relevant state or federal law.
2. We do not selectively encourage applicants and we take no action that would, on a prohibited basis, discourage a reasonable person from applying for a mortgage loan.
3. We do not, on a prohibited basis, refuse to make a loan, vary the terms offered including the amount, interest rate, period or type of loan, or use different standards to evaluate collateral or decide whether to extend credit.
4. We avoid practices or policies that have a discriminatory effect. This rule applies to all phases of our mortgage lending business. It applies even though we do not intend the policy or practice to be discriminatory and even if the policy or practice appears to be neutral.
5. We have adopted nondiscriminatory loan underwriting standards that avoid subjective, unwritten rules that can have a discriminatory effect. We make these underwriting standards public upon request at each of our offices.
6. We make sure that our scoring system is empirically derived and statistically sound and uses no prohibited basis other than age as a predictive factor.
7. We train our loan personnel in the principles of fair processing and underwriting.
8. Our Quality Control Manager regularly reviews both our loan underwriting standards and the business practices by which we implement them to determine whether they ensure equal lending opportunity and reports to management.
9. We periodically review our loan portfolio and applications to make sure that we are serving the community adequately and on a nondiscriminatory basis in light of the community’s demographic characteristics and credit demands.
10. We conspicuously display the poster in a public area of each of our facilities stating that we are ascribing to the Equal Housing Act. Additionally, on all forms of advertisements, regardless of media, we include the Equal Housing Opportunity logo and/or the Equal Housing Opportunity slogan.

The Housing Financial Discrimination Act of 1977, California Fair Lending Notice

It is illegal to discriminate in the provision of or in the availability of financial assistance because of the consideration of:

• Trends, characteristics, or conditions in the neighborhood or geographic area surrounding a housing accommodation, unless the financial institution can demonstrate in the particular case that such consideration is required to avoid an unsafe and unsound business practice.
• Race, color, religion, sex, marital status, national origin, or ancestry.

It is illegal to consider the racial, ethnic, religious, or national origin composition of a neighborhood or geographic area surrounding a housing accommodation, or whether or not such composition is undergoing change, or is expected to undergo change, in appraising a housing accommodation or in determining whether or not, and under what terms and conditions, to provide financial assistance. These provisions govern financial assistance for the purpose of the purchase, construction, rehabilitation, or refinancing of one- to four-unit family residences occupied by the owner and for the purpose of the home improvement of any one to four-unit family residence.

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OBTAINING A MORTGAGE LOAN

To help us prevent fraud and to assist the government in fighting the funding of terrorism and money laundering activities, we are obtaining, verifying, and recording information that identifies each person who applies for and/or obtains a mortgage loan. What this means for you: When you apply for and/or obtain a mortgage loan, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.