Rates quoted are for purchase transactions only, single-family, owner-occupied primary and secondary residences located in New Jersey, certain counties in Pennsylvania (Bucks, Chester, Delaware, Monroe, Montgomery, Northampton, Philadelphia, and Pike) and New York (Orange, Putnam, Rockland, and Westchester). Rates quoted assume a minimum credit score of 740. Maximum loan to value is 75% for loans up to $750,000 and 70% for loans up to $1,000,000. Private mortgage insurance (“PMI”) may be required if your loan to value exceeds 80%. If PMI is required, the mortgage insurance premium may increase the APR and monthly mortgage payment. Your actual rate will depend upon several factors including, but not limited to, the loan type, loan size, property type, your credit score and property value. Please contact an Account Executive for further details or other program terms. All loans are subject to credit approval.
 APR calculation is based upon a loan amount of $750,000, and includes fee estimates for flood certification, real estate tax service, settlement / closing, fifteen (15) days of prepaid interest, an origination fee, and points, if applicable.