Fees & charges apply and may vary by product and State. Subject to underwriting approval. Application required; not all applicants will be approved. Minimum credit score of 731 required to be eligible for advertised rate. Full documentation & property insurance required. Loan secured by a lien against your property. Consolidating or refinancing debts may increase the time and/or the total amount needed to repay your debt. Taxes & insurance extra. Terms, conditions & restrictions apply. For example, as of 04/05/2010, a $250,001 loan amount financed at 4.875% interest (5.171% APR) for 30 years, with a 2.000 point discount and a 20% downpayment, would result in 360 monthly principal and interest payments of $1,323.03 in fee required to secure rate. Recent rate but subject to change without notice. Rate available on loan amounts from $250,001 to $417,000 (contiguous US) on owner-occupied single-family residential properties. Rates, loan products, & fees subject to change without notice. Your rate and term may vary. Call for details.