Rate Assumption Disclaimer

RATE ASSUMPTIONS: Rate displayed assumes that you are buying or refinancing an owner-occupied single family home rate & term, all borrowers have credit scores of 720 or higher, debt-to-income ratios of 35% or lower, asset and reserve requirements are met, and your property has a loan-to-value of 80% or less. The Annual Percentage Rate (APR) is based on a loan amount of $165,000 and may include up to 3 points. (Points include any origination, discount and lender fees.) On adjustable-rate loans, interest rates are subject to potential increases over the life of the loan, once the initial fixed-rate period expires.

† The "lowest fees guarantee" means that First Wholesale Lending, Inc will meet or beat any legitimately provided, GFE –based offer from any other lender. To obtain this guarantee, First Wholesale Lending, Inc must be provided with a valid, authentic and legitimate Federal Good Faith Estimate (no worksheets will be accepted) from another national or regionally licensed Direct Lender (no brokers). If that Good Faith Estimate (GFE) shows lower total gross fees when compared to the fees disclosed by First Wholesale Lending, Inc ; First Wholesale Lending, Inc at its discretion will lower their fees to meet or beat the fees disclosed on the other lender's GFE. First Wholesale Lending, Inc reserves the right to validate the authenticity and legitimacy of the GFE used to obtain this guarantee.

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