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1-866-484-3262

Effective Date

Mar 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: $1,990
    Total Fees
  • Guidance Residential
  • 4.250%
  • 4.385%
  • $1,990
  • $1,195*
  • $3,185
  • Quicken Loans
  • 4.250%
  • 4.477%
  • $4,250
  • $1,049
  • $5,299
  • Citi
  • 4.125%
  • 4.261%
  • $2,500
  • $715
  • $3,215
  • Wells Fargo
  • 4.375%
  • 4.417%
  • $0
  • $1,000
  • $1,000
  • BOA
  • 4.250%
  • 4.407%
  • $1,690
  • $2,000
  • $3,690
By Using Guidance Realty Gold Agent Reduce Fees to: $1,990

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
  • 4.250%
  • 4.394%
  • $2,190
  • $1,195*
  • $3,385
  • Quicken Loans
  • 4.250%
  • 4.477%
  • $4,250
  • $1,049
  • $5,299
  • Citi
  • 4.250%
  • 4.387%
  • $2,500
  • $715
  • $3,215
  • Wells Fargo
  • 4.375%
  • 4.417%
  • $0
  • $1000
  • $1000
  • BOA
  • 4.500%
  • 4.629%
  • $1,002
  • $2,000
  • $3,002

New to Guidance Customers: Switch & Save $1195 When Refinancing With Guidance Residential1

Current Customers: Refinance to A Shorter Term and Save $1195 with our "Fast Track" Refinance Special2

GET STARTED

Guidance Residential

Profit Rate 4.250%
APR 4.385%
Discount Points $1,990
Origination Fees $1,195*
Total Fees $3,185
By Using a Guidance Realty Participating Agent, Reduce Fees to: $1,990

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

GET STARTED

Quicken Loans

Profit Rate 4.250%
APR 4.477%
Discount Points $4,250
Origination Fees $1,049
Total Fees $5,299

Citi

Profit Rate 4.125%
APR 4.261%
Discount Points $2,500
Origination Fees $715
Total Fees $3,215

Wells Fargo

Profit Rate 4.375%
APR 4.417%
Discount Points $0
Origination Fees $1,000
Total Fees $1,000

BOA

Profit Rate 4.250%
APR 4.407%
Discount Points $1,690
Origination Fees $2,000
Total Fees $3,690

Guidance Residential

Profit Rate 4.250%
APR 4.394%
Discount Points $2,190
Origination Fees $1,195*
Total Fees $3,385

New to Guidance Customers: Switch & Save $1195 When Refinancing With Guidance Residential1

Current Customers: Refinance to A Shorter Term and Save $1195 with our "Fast Track" Refinance Special2

GET STARTED

Quicken Loans

Profit Rate 4.250%
APR 4.477%
Origination Fees $1,049
Total Fees $5,299

Citi

Profit Rate 4.250%
APR 4.387%
Discount Points $2,500
Origination Fees $715
Total Fees $3,215

Wells Fargo

Profit Rate 4.375%
APR 4.417%
Discount Points $0
Origination Fees $1,000
Total Fees $1,000

BOA

Profit Rate 4.500%
APR 4.629%
Discount Points $1,002
Origination Fees $2,000
Total Fees $3,002

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

REFINANCE SPECIAL RESTRICTIONS

1Customers who have not closed or have never had an account with Guidance Residential are eligible for this offer. Customers who have applied to Guidance prior to 9/1/2016 and have not closed or have never had an account with us Will Qualify. This offer is not available for customers who have applied to Guidance Residential for refinancing as of 12/26/16 or who have been a borrower, co-borrower or co-signer on a Guidance Residential transaction at any time in the past. Customers with Jumbo Mortgages or Relief Refinances are not eligible. Applications must be submitted between January 1, 2017 and March 31, 2017. Contracts must close by May 15, 2017. Customers may only participate in one special at a time.

2Guidance Residential will CREDIT the origination fee of $1,195 at closing for current or prior Guidance Residential customers who have a 20 year, 30 year or ARM mortgage are eligible for this offer. Customers must be refinancing to a term that is shorter than their current term. Refinance applications must be submitted between January 1, 2017 and March 31, 2017. Contracts must close by May 15, 2017. Customers with Jumbo Mortgages or Relief Refinances are not eligible. Customers may only participate in one special at a time.

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
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