*Flat Fee available only on owner-occupied single-family residential properties. Minimum loan amount is $100,000. On purchases, the $395 fee includes the credit report, appraisal, courier, flood determination and flood (life of loan); borrower is responsible for new loan interest costs, outstanding property liens, rate lock fee, buyer's title insurance, private mortgage insurance, property insurance, association fees, seller fees, certifications, title fees, escrow fees, interest fees, recording fees, settlement/closing fees, attorney fees, survey fees and taxes. In NY, CEMA fees are paid by the borrower. Application fee in New Jersey. Loan Processing Fee in Iowa. Service Fee in Pennsylvania. Loan Origination Fee in Washington. Subject to underwriting approval. Not all applicants will be approved. Full documentation & property insurance required. Loan secured by a lien against your property. Terms, conditions & restrictions apply. For example, as of 09/11/07, a $250,001 loan amount with a $395 Flat Fee and financed at 6.875% (6.891% APR) for 30 years would result in 360 monthly principal and interest payments of $1,642.33. Your rate and term may vary. Call the number above for details.