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Special 1/2 Point Reduction Toward Closing Costs

Buying a home? You deserve some extra credit.

Enjoy a 1/2 point reduction1 toward your closing costs or lowering your rate. Now until September 30, 2020.

On a $450,000 loan, this means up to $11,538 in savings over the life of the loan!1 We’ve put together a few examples of just how much this special offer could help you save:

30-Year Loan AmountClosing Cost CreditInterest Savings Over the Life of the Loan

30-Year Loan Amount


Closing Cost Credit


Interest Savings Over the Life of the Loan


30-Year Loan Amount


Closing Cost Credit


Interest Savings Over the Life of the Loan


30-Year Loan Amount


Closing Cost Credit


Interest Savings Over the Life of the Loan




Additional terms, conditions, and restrictions apply. Offers, programs, rates, terms, and conditions are current as of January 2, 2020, and are subject to change at any time without notice. Limited time offer. Ask an associate for details.

¹APR=Annual Percentage Rate. Payment example for $450,000 loan amount at 3.875% + 0.125 points (3.945% APR) with 360 monthly payments is $2,116.07. After applying the ½ point reduction to lower the rate, a $450,000 loan amount at 3.750% + 0.25 points (3.872% APR) with 360 monthly payments is $2,084.02, saving $11,538 over the life of the loan. As an alternative, for a $450,000 loan amount, Or you can save $2,250 off closing costs upfront. Actual rates may vary based on credit history, term, loan amount, and underwriting factors. Rate quote based on owner-occupied, single family residence purchase at 60% loan to value and a borrower with excellent credit. Payment does not include taxes and insurance. This is not a commitment to lend. Credit and collateral are subject to approval. Other rate, cost and payment comparisons are available. Contact us for a free quote. Points paid for a lower rate on a purchase loan may be tax deductible. Ask your tax advisor for details. Offer available only for conforming, high balance conforming and portfolio purchase loans on single family residences including condos and planned unit developments. Limit one discount per purchase loan. Cannot be combined with any other offer. Offer not valid for FHA/VA loans, Home Equity Loans, Home Equity Line of Credit, second mortgages, refinance loans, jumbo loans or Xceed associate loans.

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