Interest rates and APRs are based on current market rates, are for informational purposes only, are subject
to change without notice and may be subject to pricing add-ons related to property type, loan amount,
loan-to-value, credit score and other variables - call for details. This is not a credit decision or a
commitment to lend. Mortgage insurance may be required. If mortgage insurance is required, the mortgage
insurance premium could increase the APR and the monthly mortgage payment. Additional loan programs may be
available. APR (annual percentage rate) reflects the effective cost of your loan on a yearly basis, taking
into account such items as interest, most closing costs, discount points (also referred to as "points"), and
loan-origination fees. One point is 1% of the mortgage amount (e.g., $1,000 on a $100,000 loan). Your
monthly payment is not based on APR, but instead on the interest rate on your Note. Adjustable Rate Mortgage
(ARM) rates assume no increase in the financial index after the initial fixed period. ARM rates and monthly
payments are subject to increase after the fixed period.
Rates and APRs also assume owner occupied Single family residences with an 80 loan-to-value (20% Down
payment). Discount point have varied and can be found on www.freddiemac.com. These mortgage averages are
for loans in 1st Lien Position. The historical Freddie Mac PMMS® data is provided "as is," with no
warranties of any kind, express or implied, including, but not limited to, warranties of accuracy or implied
warranties of merchantability or fitness for a particular purpose. Use of the data is at the user's sole
risk. In no event will the advertiser on this app or Freddie Mac be liable for any damages arising out of or
related to the data, including, but not limited to direct, indirect, incidental, special, consequential, or
punitive damages, whether under a contract, tort, or any other theory of liability, even if Freddie Mac is
aware of the possibility of such damages.
Martha is a graduate of New York University, and has been a licensed General Agent and Registered Planner since 1995. She hosts a weekly radio show, "A Medicare Moment with Martha," and co-produces a weekly program on community television. Martha conducts Medicare pre-retirement workshops for companies and non-profit groups and provides individual coaching on Medicare subjects. She is also founder of the annual Ms. Medicare "Age of Elegance" pageant launched in 2014. Prior to transitioning to the health care industry, Martha worked as an Assistant Vice-President for Bishop Trust and as a Trust Officer for First Hawaiian Bank. A native of New Jersey, Martha was a Vice-President with Morgan Stanley Dean Witter in Manhattan prior to relocating to Hawaii. Martha sits on the boards of the Hawaii Pacific Gerontological Society (HPGS), American Business Women's Association (ABWA) and the Family Education Training Center (FETCH).
You are going to a 3rd party website and there is NO WARRANTY, expressed or implied, for the accuracy of this information or its applicability to your financial situation. Please consult your sales consultant.