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The interest rates and associated fees above reflect loan programs based on excellent credit, 20% down payment, owner-occupancy, single family residence property, full documentation of income and assets, and the establishment of an escrow account for the payment of hazard insurance, property taxes, and mortgage insurance. Refinance transactions assume a no-cash out loan. The availability of loan programs and related interest rates and fees are subject to specific borrower and property eligibility as interest rates may vary depending on factors including, but not limited to, income and asset documentation, loan-to-value ratios, loan amount, points, your employment history, your credit history, occupancy, and property type. Adjustable rate mortgage interest rates are subject to increase during the term of the loan. Advertised rates are subject to change without notice and may not be available at loan commitment or loan closing without a rate lock commitment. Borrower qualification, loan program eligibility, borrower qualification and accurate interest rates and fees cannot be determined until a complete loan application has been submitted by the borrower and verified and reviewed by Mortgages First Associates, LLC.