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“As a financial expert, it’s vital that trust, accuracy and professionalism be foremost in all of my dealings. I’ve known the owners of Basis Point Home Loans for over 8 years and without hesitation I have referred my clients to these folks and I have always been happy with the results.

Betsy Sherwood
CPA, Littleton, CO

Overview

First Mortgage Assumptions

  • Annual Percentage Rate (APR) calculations assume single-family, detached, owner-occupied primary residence; a loan-to-value ratio of less than 90%; a minimum FICO score for Refinance of 671 and for Purchase 731; and a loan amount of $200,000 for conforming loans or $750,000 for jumbo loans, unless otherwise specified.
  • APR assumes 15 days prepaid interest.
  • Annual Percentage Rate (APR) calculations assume no subordinate financing and that the borrower will provide full income documentation.
  • Monthly Payment per $1,000 and Monthly Payment calculations include principal and interest ONLY. PMI (Private Mortgage Insurance), hazard insurance, property taxes, state taxes, mortgage taxes, homeowner’s association dues, and any other recurring costs are not included.
  • In a refinance transaction, ditech.com does not pay any reconveyance fees that are charged by the borrower’s existing lender for the reconveyance of the deed of trust. This includes but is not limited to reconveyance, demand and recording fees.
  • Rates may be higher for loan amounts under $100,000 and over $750,000. Please call for details.
  • Rates are subject to change without notice.
  • Closing Costs assume that borrower will escrow monthly property tax and insurance payments.
  • Restrictions may apply.
  • Subject to underwriter approval; not all applicants will be approved.
  • Fees and charges apply.
  • Taxes and insurance are extra.
  • On refinance transactions, the Annual Percentage Rate (APR) calculations assume a rate and term refinance.
  • Available first mortgage rates and fees may vary depending on your property’s location.

    Home Equity Loan

  • Annual Percentage Rate (APR) assumes 15 days prepaid interest.
  • Annual Percentage Rate (APR) calculations assume that the borrower will provide full income documentation.
  • Monthly Payment calculations include principal and interest ONLY. PMI (Private Mortgage Insurance), hazard insurance, property taxes, state taxes, mortgage taxes, homeowner’s association dues, and any other recurring costs are not included.
  • Total debt ratio below 45%.
  • Rates are subject to change without notice.
  • Restrictions may apply.
  • Subject to underwriter approval; not all applicants will be approved.
  • Fees and charges apply.
  • Taxes and insurance are extra.
  • Not available in all states.
  • Maine – may not be used to refinance existing first mortgages.