*“Your APR is based on specific characteristics of your credit application including but not limited to amount of credit requested, property type, and/or combined loan to value. APR is fixed for the life of the loan. Monthly payment based on 30 year term with 360 payments per $1,000 borrowed at 6.347% APR with w/ 1.50 points is $6.06. Monthly payment based on 30 year term with 360 payments per $1,000 borrowed at 6.458% APR with w/ 0 points is $6.23. Payments do not include taxes or any insurance premiums. The actual payment obligation may be higher. Offer is subject to credit approval.”