* Conventional 30 Year Fixed Rate is valid as of 1/16/2024. Interest rates are subject to market fluctuations and the rate quoted may not be currently available. Actual rates available may vary based upon a number of factors including your credit rating, size of down payment and other factors. Actual rates and monthly payment available to you may vary based upon a number of factors including your credit rating, size of down payment and other factors. Restrictions may apply. Payments displayed do not include any type of Mortgage Insurance, Taxes or Hazard Insurance payments, if required. Interest Rate is assumed at X.XXX% / X.XXX% Annual Percentage Rate for a 30-Year Fixed refinance loan and up to X.XXX points for the monthly payment calculation. Rate assumes that property being refinanced is an owner-occupied single-family home, assumes an average of $250,000 loan size and a credit score of at least 760 and debt to income of 43% or lower, non-cash out, and an LTV of less than 80%. Monthly payment estimate is excluding Taxes, Insurance and Closing costs and the actual payment obligation will be greater. We may gather information about you including, but not limited to, credit bureau information, information for verification of income, information for appraisal and verification of property being used for collateral. Your income, assets, and debt must meet eligibility requirements as established by Government and/or Lender guidelines. All loan programs, terms and interest rates are subject to change and/or discontinuance without advance notice. Equal Housing Opportunity.