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Disclosures

FHA Disclosure

3.50% Down Payment, Total Monthly Payment PITI/MI** $1539.80, $250,000.00 Purchase Price, $241,250.00 TOTAL Loan Amount, 30 YR Fixed Rate Mortgage, 3.625% Interest Rate and 4.755% APR Rates as of 02/22/2016.

Conventional 5% Down Disclosure

5% Down Payment, Total Monthly Payment PITI/MI** $1556.25, $250,000.00 Purchase Price, $237,500.00 Loan Amount, 30 YR Fixed Rate Mortgage, 3.750% Interest Rate and 5.019% APR Rates as of 02/22/2016.

USDA 100% Financing Disclosure

0% Down Payment, Total Monthly Payment PITI*/GF*** (Monthly) $1509.59, $250,000.00 Purchase Price, $250,000.00 TOTAL Loan Amount, 30 YR Fixed Rate Mortgage, 3.500% Interest Rate and 4.319% APR Rates as of 02/22/2016.

  • Not all property locations are eligible for the USDA program and specific eligibility, credit and income restrictions apply.
  • Zero Down offer applies only to buyers who qualify for USDA financing through Universal American Mortgage Company.

VA 100% Financing Disclosure

0% Down Payment, Total Monthly Payment PITI* $1390.13, $250,000.00 Purchase Price, $250,000.00 TOTAL Loan Amount, 30 YR Fixed Rate Mortgage, 3.625% Interest Rate and 3.708% APR Rates as of 02/22/2016.

  • Veteran applicants must have sufficient VA entitlement to qualify for the $0 down payment.

Conventional 20% Down

20% Down Payment, Total Monthly Payment PITI* $1240.48, $250,000.00 Purchase Price, $200,000.00 TOTAL Loan Amount, 30 YR Fixed Rate Mortgage 3.750% Interest Rate and 3.904% APR Rates as of 02/22/2016.

FHA EEM Disclosure

3.50% Down Payment, Total Monthly Payment PITI/MI** $1539.80, $250,000.00 Purchase Price, $241,250.00 TOTAL Loan Amount, 30 YR Fixed Rate Mortgage, 3.625% Interest Rate and 4.755% APR Rates as of 02/22/2016.

*PITI stands for Principal, Interest, Taxes and Insurance. Monthly taxes and insurance are estimates that may be subject to change.

**PITI/MI stands for Principal, Interest, Taxes and Insurance and Mortgage Insurance. Monthly taxes and insurance are estimates that may be subject to change.

***GF equals USDA’s guaranty fee and MI equals FHA or Conventional mortgage insurance. Monthly taxes and MI/GF (when applicable) are estimates that may be subject to change.

Experience Extraordinary

Call Theresa Springer (MLO #70667/NMLS #70667) today at 360-798-4161 to see the difference that working with an experienced home loan professional can make for you.

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Word on the Street...

"We had gone through the mortgage process roughly a year and a half ago, but were unsatisfied with the service the USAA provided us. They threw an unexpected curveball at us very late in the process that had us giving them another $25,000 to close on our home. Due to falling interest rates, as well as a desire to get that cash out to do some home improvements, we were interested in refinancing our home. Theresa knew how to walk my wife and I through the process -- we were completely blown away by how professional and knowledgeable she was. I am referring as many people to Theresa in the course of my business as possible. You probably get these kinds of e-mails all the time, but I thought I would let you know of how satisfied my wife and I were with Theresa." -- Mark L.

Testimonials appearing on this site are individual experiences from those who have worked with Theresa Springer. They are individual results and results may vary.