Rate Assumptions: Excellent Credit, $200,000 Loan Amount, Purchase Loan, 80% Loan to Value, Primary Residence or Second Home, Full Documentation, 30 Day Rate Lock. The rates, terms, and products described are subject to change, and entirely dependent on your particular characteristics. Submitting an online application does not guarantee that you will be granted a specific rate or loan. Each application will be reviewed thoroughly in order to determine whether credit will be extended. You will be asked to provide additional information throughout the process in order to complete your loan file.