Legal Disclosures

1. General Information

• General Information Only: The information displayed on the "Today's Rates" page is for general informational purposes only and does not constitute financial advice. Users are encouraged to consult with a mortgage or financial professional before making any decisions.

• Not a Loan Offer: Nothing on the "Today's Rates" page should be construed as a loan offer or approval. The rates provided are based on average market conditions and may not reflect the actual rate available to you.

• Accuracy of Information: While we endeavor to keep the information on this page up-to-date and accurate, rates are subject to change without notice, and we make no representations or warranties of any kind about the completeness, reliability, or accuracy of the rates provided.

• Limitation of Liability: Under no circumstances will we be liable for any loss or damage, including without limitation, indirect or consequential loss or damage, arising from the use of, or reliance on, the information on the "Today's Rates" page.

• Use at Own Risk: Any reliance you place on the information found on the "Today's Rates" page is strictly at your own risk. Users should always verify rates with a qualified professional or lender before making decisions or commitments.

• Copyright: All content, including text, graphics, logos, and information, is the property of Pacificwide Real Estate & Mortgage and is protected by copyright laws. Reproduction or redistribution is strictly prohibited without our express written consent.

2. CONFORMING LOAN ASSUMPTION

Lenders determine rates based on certain foundational criteria. For all displayed rates, unless mentioned otherwise, the following assumptions apply:

• Loan amount: $600,000

• Property value: $800,000

• Credit score: 760

• Total annual pre-tax income: $16,667

• Property type: Single family

• Occupancy: Primary residence

• Loan type: Conventional for 30-year fixed, 25-year fixed, 15-year fixed, USDA 30-year fixed, VA for VA 30-year fixed and FHA for FHA 30-year fixed

• Compensation: Lender paid

• Zip code: 95121

Each individual's circumstances vary. These parameters serve as a general guideline and may not perfectly align with the precise terms of your loan. This does not constitute a binding loan offer

3. JUMBO LOAN ASSUMPTION

Lenders determine rates based on certain foundational criteria. For all displayed rates, unless mentioned otherwise, the following assumptions apply:

• Loan amount: $1,300,000

• Property value: $1, 700,000

• Credit score: 760

• Total annual pre-tax income: $16,667

• Property type: Single family

• Occupancy: Primary residence

• Loan type: Conventional for 30-year fixed and 5/6 ARM

• Compensation: Lender paid

• Zip code: 95121

Each individual's circumstances vary. These parameters serve as a general guideline and may not perfectly align with the precise terms of your loan. This does not constitute a binding loan offer.