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Purchasing a $800,000 single family home with a great credit score and 25% down.

Loan Amount$600,000
Purchase Price$800,000
Zip Code94538
Credit ScoreGreat
PropertySingle family home
OccupancyOwner occupied

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Frequently Asked Questions

A fixed-rate mortgage is a home loan that has a constant interest rate for the lifetime of the loan. Fixed-rate mortgages are typically offered in 10-, 15-, 20-, 25-, and 30-year terms—giving home buyers the security of a predictable monthly payment. Shorter-term fixed-rate loans typically carry the lowest interest rates and are more desirable if you're comfortable with a larger monthly payment.

An adjustable rate mortgage (ARM) is a loan that offers an initial period of fixed interest that then changes or adjusts at a specified interval. Typically, you'll see an ARM expressed as two numbers. For example, a 5/1 ARM has a fixed interest rate for the first five years that then adjusts based on market rates every year after that. An ARM tends to have a lower initial interest rate than a fixed-rate mortgage. However, it does come with a certain amount of unpredictability. That's because when an ARM enters its adjustable period, its interest rate may trend up or down depending on the state of the market.
Points represent a percentage of your loan amount (1 point = 1%). You might choose to pay points at closing in exchange for a lower interest rate on the loan. In other words, by prepaying some interest, you are “buying down” your rate. Conversely, you might choose to receive a rebate (or credit) at closing to help cover other costs and fees. This would correspond to a higher interest rate on the loan.

Loan data is for informational purposes only. The actual fees, costs and monthly payment on your specific loan transaction may be higher or lower than those quoted based on your information, which may be determined after you apply. This is not a credit decision or a commitment to lend. Loan interest rates are based on current market rates, are subject to pricing adjustments related to several factors including, but not limited to, property type and location, loan amount, loan type, loan-to-value, occupancy type, borrower credit history. Mortgage insurance may be required if loan-to-value (LTV) is higher than 80% which could increase the monthly payment and APR.

The annual percentage rate (APR), is the cost of credit over the term of the loan expressed as an annual rate. The APR above based on interest rate, loan origination fees and applicable closing costs and does not take into account other loan specific finance charges you may be required to pay. Actual rate will be determined after receipt of completed application and prior to execution of loan documents. Rate lock may not be available until final loan approval; fee may apply.

No Closing Cost loans are subject to terms and conditions of Fremont Bank's Application Fee Agreement, which lists the specific costs and fees the borrower will not pay. An application fee may be required after a loan application is submitted, which will be refunded as a credit on your Closing Disclosure statement. Application fee is non-refundable if your loan is denied, withdrawn or does not close for any reason. Borrower is responsible for paying all fees and charges imposed by brokers or an existing third party lender (for example, payoff demand statement fee and/or a reconveyance fee) as well as any prepayment penalty imposed by any third party lender or Fremont Bank. Loans with lower nominal interest rates may be available to borrower willing to pay points and fees.

Closing costs, also known as settlement costs, are the fees you pay when obtaining your loan. Closing costs are typically about 2-5% of your loan amount and are usually paid at closing.