*loanDepot.com, LLC cannot guarantee the seller or any other party will offer a rate buydown. This is not an offer for a discount or a credit from loanDepot. The seller may determine to not offer a buydown or other credits at any time. The seller may offer a credit of up to $25,200.00 towards closing costs that will be applied towards buying down the interest rate. Any remaining credit will appear at the time of closing as a seller credit. Not all products/ programs may allow third-party contributions. Credit cannot be applied to minimum down payment or loan contribution requirements. Credit will only be applied at closing, borrower is responsible for appraisal fees , credit report fees, and other settlement services and closing costs incurred. Credit provided exclusively by seller and is not contingent on use of a particular real estate agent. A borrower may not use this credit to obtain a refund for closing costs in the event a loan fails to close or fund. Some credits cannot be combined with other discounts or promotions. Rate buydown funds are subject to interested party contribution limitations. A buydown will lower your interest rate. Other limitations apply. This information is not intended to be an indication of loan qualification, loan approval or commitment to lend. Loans are subject to credit and property approval. Additional rates and terms may apply and are subject to change without notice. 7/6 ARM conventional mortgage. Term of loan is 30 yrs. Rate is fixed for 7 yrs (84 months) and then rate becomes adjustable every 6 months thereafter. Rate adjustments based on SOFR (Secured Overnight Funds Rate) + 2.750% margin rounded to nearest .125%. Rate cannot increase more than 5% above initial note rate during any time in the 30 yr terms of loan (9.50%). Interest rate cannot move up or down more than 1% at any given adjustment except the first adjustment in which it can move the entire 5% lifetime cap. Initial balance of $720,000.00. Down Payment: 20%. Interest Rate: 4.500%. APR: 6.089%. Fully indexed rate 6.79%. Assumes minimum FICO of 760 and a maximum loan-to-value- ratio of 80% on an owner � occupied single family residence/condo. Costs calculated in APR include lender fees, all 3rd-party fees and prepaid items. Subject to qualification. Loan limits may apply. Interest rates and APRs are current as of 11/6/2025 and are subject to change daily without notice. Rate quoted with assumption of a 60 day rate lock. Actual rates available to you may vary based upon a number of factors including your credit rating, size of down payment and other factors.
**Square footage may include basement finishing and is subject to change. Incentive applicable only to Quick Delivery Townhomes. 20% down payment and 760+ mid credit score for a standard 60 day lock required.
