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Effective Date

Jun 21 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 Guidance Realty Participating Agent, Reduce Fees to: $2,916
    Total Fees
  • Guidance Residential
  • 3.875%
  • 4.047%
  • $2,916
  • $1,195*
  • $4,111
  • Quicken Loans
  • 3.875%
  • 4.076%
  • $3,750
  • $1,049
  • $4,799
  • Citi
  • 3.875%
  • 3.977%
  • $1,750
  • $715
  • $2,465
  • Wells Fargo
  • 4.000%
  • 4.042%
  • $0
  • $1,000
  • $1,000
  • BOA
  • 3.875%
  • 4.033%
  • $1,782
  • $2,000
  • $3,782
By Using Guidance Realty Gold Agent Reduce Fees to: $2,916

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
  • 3.875%
  • 3.946%
  • $516
  • $1,195*
  • $1,711
  • Quicken Loans
  • 3.875%
  • 4.076%
  • $3,750
  • $1,049
  • $4,799
  • Citi
  • 3.875%
  • 3.988%
  • $2,000
  • $715
  • $2,715
  • Wells Fargo
  • 4.125%
  • 4.167%
  • $0
  • $1000
  • $1000
  • BOA
  • 3.875%
  • 4.042%
  • $1,998
  • $2,000
  • $3,998

Celebrate 15 years of Guidance! Receive a 1.5%** closing cost credit when you refinance with Guidance today. Pre-Qualify Now!

GET STARTED

Guidance Residential

Profit Rate 3.875%
APR 4.047%
Discount Points $2,916
Origination Fees $1,195*
Total Fees $4,111
By Using a Guidance Realty Participating Agent, Reduce Fees to: $2,916

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

GET STARTED

Quicken Loans

Profit Rate 3.875%
APR 4.076%
Discount Points $3,750
Origination Fees $1,049
Total Fees $4,799

Citi

Profit Rate 3.875%
APR 3.977%
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 3.875%
APR 4.033%
Discount Points $1,782
Origination Fees $2,000
Total Fees $3,782

Guidance Residential

Profit Rate 3.875%
APR 3.946%
Discount Points $516
Origination Fees $1,195*
Total Fees $1,711

Celebrate 15 years of Guidance! Receive a 1.5%** closing cost credit when you refinance with Guidance today. Pre-Qualify Now!

GET STARTED

Quicken Loans

Profit Rate 3.875%
APR 4.076%
Origination Fees $1,049
Total Fees $4,799

Citi

Profit Rate 3.875%
APR 3.988%
Discount Points $2,000
Origination Fees $715
Total Fees $2,715

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 4.042%
Discount Points $1,998
Origination Fees $2,000
Total Fees $3,998

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

**Guidance Residential will provide a 1.5% closing cost credit for all refinance applications received between April 1st, 2017 and June 30th, 2017. Contracts must close by August 15th, 2017. Exclusions: Prior applicants for refinances between January 1, 2017 and March 31, 2017 are not eligible. Customers applying for Jumbo Mortgages and ARM Mortgages are not eligible. This special cannot be combined with any other special or promotion.

Save On Your Home Purchase
With Guidance Residential and GuidanceRealty.com
  • Use a
    GuidanceRealty.com Agent
    gold-credit
    Gold Agent Credit
    $500
  • +
  • Finance With
    Guidance Residential
    guidance-credit
    Guidance Residential Credit
    $695
  • =
  •  
     
    guidance-credit
    Savings at
    Closing
Learn more at www.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
Please wait
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