*The advertised loan is a 15-yr Fixed Rate with a 15 year fully-amortizing term with an actual rate made available to consumers by at least one member of RefinanceLoanRate.com's lender network on June 27, 2016. More important information: The interest rate and payments are fixed for the entire loan term. Prepayment penalties may apply if you refinance or repay the loan within 3 years for loans from some lenders in some states. Please ensure you understand whether or not this applies to any loan you are offered. The interest rate, APR, and the initial monthly payment:, Payment Examples: Loan Amount, Interest Rate, (for 15 years) APR, Monthly Payments (for 15 years) $250,000 2.375% 2.723% $1,652 Disclosure Assumptions Interest rate quoted assumes a FICO score of 740 with a maximum loan-to-value ratio of 80% on a primary residence in CA. This means you have to have excellent credit, and must have at least 20% equity in your home. The actual interest rate, APR and payment may vary based on the specific terms of the loan selected, verification of information, your credit history, the location and type of property, and other factors as determined by Lenders. The disclosed interest rate and APR are based on 1.633 discount points, lender fees of $1,095, and the other fees and charges required by the Lender and other service providers which will be due at closing. Not available in all states. Rates are subject to change daily without notice. Payment amounts shown do not include taxes or homeowners insurance.