The rates provided for each loan product are based on today's par rate, assuming a 780 credit score and an 80% loan-to-value (LTV) ratio for Jumbo loans (with a purchase price of $2 million), Conventional loans (with a $500,000 purchase price), and Conventional High-Balance loans (with a $1,500,000 purchase price). For FHA loans (priced at $500,000), the LTV is 96.5%, while for VA and USDA loans (both with $500,000 purchase prices), the LTV is 100%. The Annual Percentage Rate (APR) is calculated with 1 discount point in fees. Actual rates may vary depending on your credit score, financial situation, and specific loan terms. Rates are subject to change without notice. All loans are subject to credit approval, and this is not a commitment to lend.