Advertising Disclosures

Conventional loans

Conventional 30-Year Fixed:

Rates as low as % (% APR), which is an actual rate reported by lenders via Bankrate.com, as of .

Rate is based on the following assumptions:

• Conventional 30-Year Fixed which is a 30-year loan that has a fixed rate for the entire loan term of 30 years. The loan payments are due each month for 360 months.
• $225,000 loan amount, 70% loan-to-value, 740 credit score, property in WA, lock period of 30 days, debt-to-income ratio of 30% or less, escrow account applied (meaning your tax and insurance costs are collected monthly with your mortgage payment).

Payment Example:

Payment shown does not include taxes, insurance, or HOA dues. Check these monthly costs on the home you own or will buy and add them to the above payment to determine your total housing payment.

Conventional 15-Year Fixed:

Rates as low as % (% APR), which is an actual rate reported by lenders via Bankrate.com, as of .

Rate is based on the following assumptions:

• Conventional 15-Year Fixed which is a 15-year loan that has a fixed rate for the entire loan term of 15 years. The loan payments are due each month for 180 months.
• $225,000 loan amount, 70% loan-to-value, 740 credit score, property in WA, lock period of 30 days, debt-to-income ratio of 30% or less, escrow account applied (meaning your tax and insurance costs are collected monthly with your mortgage payment).

Payment Example:

Payment shown does not include taxes, insurance, or HOA dues. Check these monthly costs on the home you own or will buy and add them to the above payment to determine your total housing payment.

FHA loans

FHA 30-Year Fixed:

Rates as low as % (% APR), which is an actual rate reported by lenders via Bankrate.com, as of .

Rate is based on the following assumptions:

• FHA 30-Year Fixed which is a 30-year loan that has a fixed rate for the entire loan term of 30 years. The loan payments are due each month for 360 months.
• $225,000 loan amount, 96.5% loan-to-value, 740 credit score, property in WA, lock period of 30 days, debt-to-income ratio of 30% or less, escrow account applied (meaning your tax and insurance costs are collected monthly with your mortgage payment).

Payment Example:

Payment shown does not include taxes, insurance, or HOA dues. Check these monthly costs on the home you own or will buy and add them to the above payment to determine your total housing payment.

• For credit scores 580 and above, a minimum cash down payment of 3.5% of the purchase price is required.

VA loans

VA 30-Year Fixed:

Rates as low as % (% APR), which is an actual rate reported by lenders via Bankrate.com, as of .

Rate is based on the following assumptions:

• VA 30-Year Fixed which is a 30-year loan that has a fixed rate for the entire loan term of 30 years. The loan payments are due each month for 360 months.
• $225,000 loan amount, 100% loan-to-value (0% down), 740 credit score, property in WA, lock period of 30 days, debt-to-income ratio of 30% or less, escrow account applied (meaning your tax and insurance costs are collected monthly with your mortgage payment).

Payment Example:

Payment shown does not include taxes, insurance, or HOA dues. Check these monthly costs on the home you own or will buy and add them to the above payment to determine your total housing payment.

HELOC

• A HELOC generally has a variable rate, meaning the APR may change. The rate is
  based on the Prime Rate, and the monthly payment will change over the draw period
  depending on changes to the Prime Rate.

Home Equity Loan

• A Home Equity Loan has a fixed rate of interest, meaning the payment will remain the
  same for the agreed-upon term of the loan. A percentage of your home’s equity may be
  used to qualify.

USDA

• USDA loans have options for no down payment loans. Your specific situation may
  warrant a higher rate and payment based on credit history, income, and many other
  factors. Speak to one of our mortgage professionals to get personalized rates and
  monthly payment quotes.

Reverse Mortgage

A reverse mortgage, commonly known as a Home Equity Conversion Mortgage (HECM), is a loan insured by the Federal Housing Administration (FHA) that allows eligible homeowners to access a portion of their home equity. Loan proceeds may be received as a lump sum, line of credit, monthly payments, or a combination of these options.

The loan balance increases over time as interest, mortgage insurance premiums, and other fees accrue. As the loan balance grows, the remaining equity in the home decreases.
Borrowers remain responsible for paying property taxes, homeowners’ insurance, and maintaining the property. Failure to meet these obligations may result in default and possible foreclosure.

The loan generally becomes due and payable when the last borrower sells the home, no longer occupies it as a primary residence, or passes away.

General eligibility requirements include:

• Being at least 62 years of age
• Occupying the home as a primary residence
• Having sufficient equity to pay off any existing mortgage at or before closing
• Having no delinquent federal debt
• Completing mandatory counseling with a HUD-approved housing counselor

Not all properties or applicants qualify, and loan terms, costs, and eligibility vary.

This information is provided for general educational purposes only and is not financial, legal, or tax advice. Consumers are encouraged to consult with a HUD-approved housing counselor and independent financial or legal advisors before making a decision.

Personal Loan

Full Beaker does not provide loans or make credit decisions. We operate as an advertising and lead-generation platform that connects consumers with third-party lending partners who may offer personal loan products.

Loan eligibility, approval, amounts, interest rates (APRs), fees, and repayment terms are determined solely by the participating lenders based on factors such as your credit profile, income, financial history, and location. Not all users will qualify, and loan terms may vary significantly between lenders.

We may receive compensation from personal loan lending partners, which may influence which offers are displayed or referred.

Terms that Apply to All Loans

• Not available in all states.
• Rates are subject to change daily and throughout the day without notice.
• Neither this website nor its parent company is a lender.
• Submitting your information may result in one or more lenders conducting a credit inquiry, which could impact your credit score depending on the lender and your credit profile.
• Any loan offers you receive are provided directly by third-party lenders and are not guaranteed. Full Beaker does not endorse, guarantee, or assume responsibility for any loan offer, approval, or terms presented.
• The rates and payments shown do not factor in all your information. Your specific situation may warrant a higher rate and payment based on credit history, income, and many other factors. Speak to one of our mortgage professionals to get personalized rate and monthly payment quotes.
• Credit may exceed the fair market value of the dwelling. Interest on the portion of the credit extension that is greater than the fair market value of the dwelling is not tax deductible for Federal income tax purposes. The consumer should consult a tax adviser for further information regarding the deductibility of interest and charges.
• By refinancing an existing loan, the total finance charges incurred may be higher over the life of the loan.

Savings estimates

• Savings calculations based on reducing the mortgage rate from 5% to 4% on a $250,000 30-year fixed mortgage. Monthly savings are equal to $148 per month and $53,280 over 360 months.

By refinancing an existing loan, the total finance charges incurred may be higher over the life of the loan.