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Lender Tables
The lenders whose rates and other terms appear on this chart are ICBs advertising partners they provide their rate information to our data partner RateUpdatecom Unless adjusted by the consumer advertisers are sorted by APR lowest to highest For any advertising partners that do not provide their rate they are listed in advertisement display units at the bottom of the chart Advertising partners may not pay to improve the frequency priority or prominence of their display The interest rates annual percentage rates and other terms advertised here are estimates provided by those advertising partners based on the information you entered above and do not bind any lender Monthly payment amounts stated do not include amounts for taxes and insurance premiums The actual payment obligation will be greater if taxes and insurance are included Although our data partner RateUpdatecom collects the information from the financial institutions themselves the accuracy of the data cannot be guaranteed Rates may change without notice and can change intraday Some of the information contained in the rate tables including but not limited to special marketing notes is provided directly by the lenders Please verify the rates and offers before applying for a loan with the financial institution themselves No rate is binding until locked by a lender
Please note that the HUD-1 Statement was replaced by the Closing Disclosure (CD) effective October 3rd, 2015 and is no longer used in the mortgage process. We provide the HUD-1 Statement example below for your reference.
The HUD-1 Statement is a standardized form provided by the closing agent at least one day prior to the closing of the mortgage that lists the final, actual terms and costs of a mortgage, including the interest rate, points and all one-time expenses. The main purpose of the HUD-1 is to make sure that the key terms of the mortgage you actually receive at closing match the terms that the lender committed to providing at the beginning of the process. The first two pages of the HUD-1 outline the transaction terms and settlement costs while the third page compares these items to the Good Faith Estimate that the lender should have provided you at the beginning of the process.
There are typically minor differences between the estimated figures provided in the Good Faith Estimate and the final figures provided in the HUD-1. However, if the difference between the figures is significant and the final costs have increased significantly, you should ask the lender for an explanation. If you are not satisfied with the lender's explanation then you should cancel the loan.
In the example below, we show a scenario where the final terms of the mortgage as outlined in the HUD-1 match the terms as outlined in the Good Faith Estimate. Always be sure to review the HUD-1 carefully before finalizing your mortgage. Please note that this is an example HUD-1 document that should be used for informational purposes only.
Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes, insurance premiums or private mortgage insurance if applicable. Actual payments will be greater with taxes and insurance included. Read through our lender table disclaimer for more information on rates and product details.