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All rates and points are subject to change without notice. Rates quoted for loans assume automatic payment transfer. Add .50% for all other payment methods. Contact a First Tech loan specialist to learn about these and other mortgage options available to you. Additional factors that may not have been considered may affect your final rate. This is not a commitment to make a loan, nor is it a guarantee that you will receive specific rates or points if you are approved for a loan. Loans above 80% LTV may require mortgage insurance. Rates and points can be locked only after your completed loan application is received. All points include origination fees, if applicable, and discount points. If the points are negative you may receive a credit towards other closing costs, however the actual amount of this credit may be limited by underwriting guidelines. The APR reflects our lowest available rate. Your rate will vary based on individual credit qualifications, and will be provided by First Tech upon approval of a completed loan application. Please contact a loan specialist for assistance if you have any questions about rates and points. 90% LTV on loan amounts from $417,001-$600,000. 95% allowed with added .25% point. 85% LTV on loan amounts from $600,001- $800,000 add .25% to the rate. *Loan amounts from $800,001- to 1,000,000 add .50% to the rate. *Loans over $600,000 require additional approvals. Jumbo ARM products from 90.1%-95% LTV will be allowed with an additional .375% add on to the fee.
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