Advertising Rate Disclosures
Disclosure Assumptions - Current as of August 30, 2021 .
- The Interest rates quoted assume a $300K loan amount, $378K value (~80% LTV), Primary Single Family Residence (SFR 1 unit), Owner Occupied (O/O), with impounds (Escrow), 780 FICO score, 43 DTI (Debt-To-Income ratio), Alameda County, CA.
- The actual interest rate, APR, and payment may vary based on specific terms of the loan selected, verification of information, your credit history, the location and type of property and other factors.
- Not available in all states. Rates are subject to change daily without notice.
- Payment amounts shown do not include taxes or insurance.
15-year Fixed-Rate as low as 1.99% (2.155% APR)
- The advertised loan is a 15-year fixed-rate full amortizing loan, assuming a $300,000 loan amount and a 1.99 interest rate.
- This loan has 180 monthly principal and interest payments of $1,930. The disclosure APR is based on 0.692 discount points and $2,511 in additional prepaid finance charges due at closing.
- The Annual Percentage Rate (APR) is 2.155
30-year Fixed-Rate as low as 2.75% (2.84% APR)
- The advertised loan is a 30-year fixed-rate full amortizing loan, assuming a $300,000 loan amount and a 2.75 interest rate.
- This loan has 360 monthly principal and interest payments of $1,225. The disclosed APR is based on 1.129 discount points and $2,826 in additional prepaid finance charges due at closing.
- The Annual Percentage Rate (APR) is 2.84
15-year Fixed-Rate VA Loan as low as 1.875% (2.392% APR)
- The advertised loan is a 15-year fixed-rate full amortizing loan, assuming a $300,000 loan amount and a 1.875% interest rate.
- This loan has 180 monthly principal and interest payments of $1,956. The disclosure APR is based on 0.934 discount points and $3,141 in additional prepaid finance charges due at closing.
- The Annual Percentage Rate (APR) is 2.392%
30-year Fixed-Rate VA Loan as low as 2.25% (2.459% APR)
- The advertised loan is a 30-year fixed-rate full amortizing loan, assuming a $300,000 loan amount and a 2.25% interest rate.
- This loan has 360 monthly principal and interest payments of $1,173. The disclosed APR is based on 0.217 discount points and $667 in additional prepaid finance charges due at closing.
- The Annual Percentage Rate (APR) is 2.459%
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Taylor Huffman in Mentor, OH
On September 04, 2025Mike and his team worked effortlessly to get us closed and ready to go while dealing with a difficult situation with our buyer on our current home
Kelsey C Von Wormer in Detroit, MI
On August 22, 2025Tony combines exceptional competence with a genuine passion for lending, qualities that distinguish him within the real estate field. Moreover, he embodies many additional strengths. He is truly pleasant with whom to work, personable, detail-oriented, and possesses a well timed and notable sense of humor. I would select Tony a million times over, and I fully expect to do so again in the future. One would be both prudent and fortunate to entrust him with any loan needs.
Cailin McDermott in BERWYN, IL
On August 12, 2025Daniel jumped into action on a weekend with zero notice to get us preapproved to put an offer in on our dream house. Only later did we find out that he was doing so from the hospital, where his wife had just given birth to their son! While I can't help but feel bad about blowing his phone up during that time, he knew how time-sensitive it was to complete all of this so that we'd have a chance at buying this home, and did everything he could do to get us there. We are forever grateful.
Vinod R Gaglani in Edison, NJ
On August 04, 2025Everything was transparent and mortgage was done in less than 30 days. No hidden cost and any other surprises. Mike is a great peron to work with and made everything easy to understand so there was no stress.
David Morrison in Bellevue, NE
On July 30, 2025It was quick, easy, and I received everything I asked for within minutes, day or night, no matter the day
Nathan Harris in CHICAGO, IL
On July 16, 2025Daniel was on top of everything, even replying to emails on the weekends and via text. He has not only a great ability to communicate regarding what can be an intimidating topic re: loans, but does so in a way I found calming and encouraging. It was easy to trust him. I'd certainly return to Daniel/Mutual Omaha for future loan needs.
Robin Nigro
On July 04, 2025Tyler was a delight to work with! He was always encouraging and reassuring about the loan, and he always made me feel better after talking to him! He had a great sense of humor but was professional at the same time and it was a pleasure doing business with him!
Roselynn Ganeles in NESBIT, MS
On July 01, 2025First thing, Adham is amazing! He explained everything in terms I could understand and if I had a question he answered it right away. He is definitly very knowledgeable on the process. From the beginning of the Application, to the final signing of documents, the process was easy and flawless! I would highly recommend Mutual Mortgage if you are looking to buying a home or looking for an Equity Loan! Mutual Mortgage is awesome!!!
Timothy J. Meyer Sr in Kiln, MS
On June 19, 2025Christian and the whole team made the process fast, friendly and efficent
Leatrice J Wilkerson in Calumet City, IL
On June 16, 2025Cristian was pleasant, professional, and easy to communicate with. I enjoyed working with him. The overall process was pretty simple as well.
