lendingwow.com is an online news and information service providing editorial content and directory information about mortgages. lendingwow.com is not a lender or mortgage broker and does not offer mortgages directly or indirectly through representatives or agents. lendingwow.com does not provide an application a mortgage loan lendingwow.com is not responsible for the accuracy of information or rates, APR or loan information posted by brokers, lenders or advertisers. All trademarks and logos appearing on this site are the property of their respective owners. Their appearance on this site does not indicate or imply an endorsement of our product. *Terms and Conditions Apply - Examples are based on available rates from our lender network as of May 22, 2014 The $400,000 Example ($320,000 Loan) was based on home value of $400,000 in Los Angeles, CA, a current loan balance of $320,000, minimum credit score of 740, and .5 discount point.For this example, the 5/1 Adjustable interest rate is 2.625% (APR = 2.813%). The expected Monthly Payment is $1285. The 30-Year-Fixed interest rate is 4.125% (APR = 4.196%). The expected monthly payment is $1550 The $375,000 Example ($300,000 Loan) was based on home value of $375,000 in Los Angeles, CA, a current loan balance of $300,000, minimum credit score of 740, and .625 discount point For this example, the 5/1 Adjustable interest rate is 2.625% (APR = 2.815%) with an expected Monthly Payment of $1204. The 30-Year-Fixed interest rates is 4.125% (APR = 4.198% APR). The expected monthly payment is $1453. The $312,500 Example ($250,000 Loan) was based on home value of $312,500 in Los Angeles, CA, a current loan balance of $250,000, minimum credit score of 740, and .500 discount point. For this example, the 5/1 Adjustable interest rate is 2.625% (APR = 2.821%). The expected Monthly Payment is $1020. The 30-Year-Fixed interest rate is 4.125% (APR = 4.177%). The expected monthly payment is $1211. The $300,000 Example ($240,000 Loan) was based on home value of $300,000 in Los Angeles, CA, a current loan balance of $240,000, minimum credit score of 740, and .625 discount point. For this example, the 5/1 Adjustable interest rate is 2.625% (APR = 2.822%). The expected Monthly Payment is $963. The 30-Year-Fixed interest rate is 4.125% (APR = 4.206%). The expected monthly payment is $1163. The 15-Year-Fixed interest rate is 3.125% (APR = 3.228). The expected Monthly Payment is $1671. The $250,000 ($200,000 Loan) Example was based on home value of $250,000 in Los Angeles, CA, a current loan balance of $200,000, minimum credit score of 740, and .75 discount point. For this example, the 5/1 Adjustable interest rate is 2.625% (APR = 2.829%). The expected Monthly Payment is $803. The 30-Year-Fixed interest rate is 4.125% (APR = 4.209%). The expected monthly payment is $969. The $200,000 Example ($160,000 Loan) was based on home value of $200,000 in Los Angeles, CA, a current loan balance of $160,000, minimum credit score of 740, and .625 discount point. For this example, the 5/1 Adjustable interest rate is 2.625% (APR = 2.840%). The expected Monthly Payment is $642. The 30-Year-Fixed interest rate is 4.125% (APR = 4.226%). The expected monthly payment is $775. The $187,500 Example ($150,000 Loan) was based on home value of $187,500 in Austin, TX, a current loan balance of $150,000, minimum credit score of 740, and .8785 discount point. For this example, the 5/1 Adjustable interest rate is 3.25% (APR = 3.021%). The expected Monthly Payment is $652. The 30-Year-Fixed interest rate is 4.375% (APR = 4.543%). The expected monthly payment is $760. The $150,000 Example ($120,000 Loan) was based on home value of $150,000 in Los Angeles, CA, a current loan balance of $120,000, minimum credit score of 740, and 1 discount point. For this example, the 5/1 Adjustable interest rate is 3.25% (APR = 3.106%). The expected Monthly Payment is $522. The 30-Year-Fixed interest rate is 4.125% (APR = 4.226%). The expected monthly payment is $608. After the initial 5-year period, the variable rate and payment will adjust annually and equal the total of the 12-month LIBOR index plus a margin of 2.250%. The maximum your interest rate will change in any year is 2% and the interest rate will never exceed 5% over your initial interest rate. Because the APR is variable and subject to increase or decrease, your payments may increase or decrease each year after the initial period. The actual interest rate, APR and payment you are offered may vary based on the specific terms of the loan selected, verification of information, your credit history, the location and type of property, and other factors as determined by Lenders. This offer may not be available in all states and is subject to change without notice.