First Mortgage Assumptions

• Annual Percentage Rate (APR) calculations assume single-family, detached, owner-occupied primary residence; a loan-to-value ratio of less than 90%; a minimum Credit score of 731; and an original principal loan balance (for a conforming loan) from $251,000 to $417,000, unless otherwise specified.
• APR assumes 15 days prepaid interest.
• Annual Percentage Rate (APR) calculations assume no subordinate financing and that the borrower will provide full income documentation.
• Monthly Payment per $1,000 and Monthly Payment calculations include principal and interest ONLY. PMI (Private Mortgage Insurance), hazard insurance, property taxes, state taxes, mortgage taxes, homeowner's association dues, and any other recurring costs are not included.
• In a refinance transaction, ditech.com does not pay any reconveyance fees that are charged by the borrower's existing lender for the reconveyance of the deed of trust. This includes but is not limited to reconveyance, demand and recording fees.
• Rates are subject to change without notice.
• Closing Costs assume that borrower will escrow monthly property tax and insurance payments.
• Restrictions may apply.
• Subject to underwriter approval; not all applicants will be approved.
• Fees and charges apply.
• Taxes and insurance are extra.
• On refinance transactions, the Annual Percentage Rate (APR) calculations assume a rate and term refinance.
• Available first mortgage rates and fees may vary depending on your property's location.

Home Equity Loan

• Annual Percentage Rate (APR) assumes 15 days prepaid interest.
• Annual Percentage Rate (APR) calculations assume that the borrower will provide full income documentation.
• Monthly Payment calculations include principal and interest ONLY. PMI (Private Mortgage Insurance), hazard insurance, property taxes, state taxes, mortgage taxes, homeowner's association dues, and any other recurring costs are not included.
• Total debt ratio below 45%.
• Rates are subject to change without notice.
• Restrictions may apply.
• Subject to underwriter approval; not all applicants will be approved.
• Fees and charges apply.
• Loan amounts greater than $25,000.
• Fico score of 720 or higher.
• Taxes and insurance are extra.
• Not available in all states.
• Maine - may not be used to refinance existing first mortgages.