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Effective Date

Aug 9 2017

Date

Financing Program

30Yr Fixed

Years

Financing Amount

200,000

$

"LTV" - CTV

80

%

Purchasing Price

250,000

$

No. of Months

360

Months

 

  • Purchase Rate
    30 Years Fixed
  • Profit Rates
  • APR
  • Discount Points
  • Origination Fee
  • By using a GuidanceRealty.com Participating Agent, receive up to a $500 appraisal credit at closing.
    Total Fees
  • Guidance Residential
  • 3.750%
  • 3.955%
  • $3,738
  • $1,195*
  • $4,933
  • Quicken Loans
  • 3.750%
  • 3.971%
  • $4,250
  • $1,049
  • $5,299
  • Citi
  • 4.000%
  • 4.103%
  • $1,750
  • $715
  • $2,465
  • Wells Fargo
  • 4.000%
  • 4.042%
  • $0
  • $1,000
  • $1,000
  • BOA
  • 3.750%
  • 3.912%
  • $1,908
  • $2,000
  • $3,908
By Using Guidance Realty Gold Agent Reduce Fees to: $3,738

To get more accurate pricing, complete an online pre-qualification in less than 10 minutes

GET STARTED
  • Refinance Rate
    30 Years Fixed
  • Profit Rates
  • APR
  • Discount Points
  • Origination Fee
  • Total Fees
  • Guidance Residential
  • 3.750%
  • 3.921%
  • $4,138
  • $0*
  • $4,138
  • Quicken Loans
  • 3.750%
  • 3.971%
  • $4,250
  • $1,049
  • $5,299
  • Citi
  • 4.000%
  • 4.135%
  • $2,500
  • $715
  • $3,215
  • Wells Fargo
  • 4.125%
  • 4.167%
  • $0
  • $1000
  • $1000
  • BOA
  • 3.875%
  • 4.017%
  • $1,410
  • $2,000
  • $3,410

Celebrate 15 years of Guidance! Save $1,195** off closing costs when you refinance with Guidance today! Pre-Qualify Now!

GET STARTED

Guidance Residential

Profit Rate 3.750%
APR 3.955%
Discount Points $3,738
Origination Fees $1,195*
Total Fees $4,933
By Using a Guidance Realty Participating Agent, Reduce Fees to: $3,738

To get more accurate pricing, complete an online pre-qualification in less than 10 minutes

GET STARTED

Quicken Loans

Profit Rate 3.750%
APR 3.971%
Discount Points $4,250
Origination Fees $1,049
Total Fees $5,299

Citi

Profit Rate 4.000%
APR 4.103%
Discount Points $1,750
Origination Fees $715
Total Fees $2,465

Wells Fargo

Profit Rate 4.000%
APR 4.042%
Discount Points $0
Origination Fees $1,000
Total Fees $1,000

BOA

Profit Rate 3.750%
APR 3.912%
Discount Points $1,908
Origination Fees $2,000
Total Fees $3,908

Guidance Residential

Profit Rate 3.750%
APR 3.921%
Discount Points $4,138
Origination Fees $0*
Total Fees $4,138

Celebrate 15 years of Guidance! Save $1,195** off closing costs when you refinance with Guidance today! Pre-Qualify Now!

GET STARTED

Quicken Loans

Profit Rate 3.750%
APR 3.971%
Origination Fees $1,049
Total Fees $5,299

Citi

Profit Rate 4.000%
APR 4.135%
Discount Points $2,500
Origination Fees $715
Total Fees $3,215

Wells Fargo

Profit Rate 4.125%
APR 4.167%
Discount Points $0
Origination Fees $1,000
Total Fees $1,000

BOA

Profit Rate 3.875%
APR 4.017%
Discount Points $1,410
Origination Fees $2,000
Total Fees $3,410

*$99 application fee still applies. Additional state regulation costs may apply.

**Both existing Guidance Residential customers and newcomers are eligible for this offer. Customers who have applied for refinancing with Guidance prior to 7/19/2017 are not eligible. Customers with Jumbo Mortgages or ARM Mortgages are not eligible. Applications must be submitted between July 20, 2017 and October 31, 2017. Contracts must close by December 31, 2017. Customers may only participate in one special at a time. Cannot be combined with any other special or discount. Only available on approved/closed contracts.

Save On Your Home Purchase
With Guidance Residential and GuidanceRealty.com
HERE IS HOW IT WORKS
  • gold-credit
    Purchase with
    GuidanceRealty.com
  • +
  • guidance-credit
    Finance with
    Guidance Residential
  • =
  • guidance-credit
    Receive up to a
    $500 appraisal credit
    at closing!
Learn more at GuidanceRealty.com
*Please note your actual savings may depend on other factors

Tools to explore your options

Combined Monthly Household Income

$
|
$1k
|
$50k

Total Monthly Expenses

$
|
$0k
|
$20k

Down Payment

$
|
$5k
|
$150k

You can afford a house worth:

Approximate Monthly Payment:

Please Pre-qualify to know your accurate monthly payment and closing cost.

Financing Term

30

Years

Property Tax

1.25

%

Home Insurance Rate

0.3

%

Profit Rate

3.5

%

 

What is your target monthly rent?

$
|
$1k
|
$10k

What is your target home value?

$
|
$75k
|
$1000k

How much you can pay for down payment?

$
|
$5k
|
$150k

How long would you expect to stay in there?

Yr
|
1 Year
|
30 Year

What is your income tax rate?

%
|
0%
|
50%

Financing

Financing Term

30

Years

Profit Rate

3.5

%

Ongoing Costs

Annual Property Tax

1.02

%

Rent Insurance

1.32

%

Homeowner's Insurance

0.5

%

Closing Costs

4

%

Economic

Rent Appreciation

2.3

%

Home Value Appreciation

2

%

Inflation

2

%

 

What is your total outstanding balance?

$
|
$75k
|
$750k

Select the number of remaining monthly payments?

|
1
|
360

What is your current monthly payment?

(Principal + Interest)
$
|
$500
|
$15k
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