Advertising Disclosures

---

 Updated Advertising Disclosures

Advertising by Mortgage One, Inc.

• Example: On a loan amount of $485,000, an interest rate of 6.62% with 2 discount points results in an APR of 6.68%, with a monthly principal & interest payment of approximately $3,045 for 360 months.
   
  • Rate sources: Bankrate shows a 30-year fixed interest rate of 6.62% and APR of 6.68% ⬜cite⟂turn0search0⟂turn0search13∁; Freddie Mac weekly average is 6.58% ⬜cite⟂turn0search8∂turn0search10∁.
     

Assumptions: Purchase or rate-term refinance; 60% LTV; minimum FICO score of 740; primary residence; 45-day rate lock. Actual terms may vary based on loan specifics, borrower credit, property, and other factors. Not available in all states. Payments exclude taxes/insurance; actual obligations will be higher. Not all applicants qualify. Rates are effective as of August 20, 2025, and may change without notice.

• Example: On a loan amount of $485,000, an interest rate of 5.85% with 2 discount points results in an APR of 5.93%, with a monthly principal & interest payment of approximately $4,095 for 180 months.
   
  • Rate source: Bankrate's average for a 15-year fixed APR is 5.93% ⬜cite⟂turn0search13∁.
     

Assumptions and disclaimers are the same as above.

This is a VA loan program—see VA guidelines at VA Home Loans.

• Example: A 5/1 ARM with a 30-year amortization. Initial interest rate of 5.93% APR, with 2 discount points, yielding a monthly payment of approximately $2,834 during the first 60 months.
   
  • Rate source: Bankrate lists a 5/1 ARM average interest rate of 5.93% ⬜cite⟂turn0search0∂turn0search13∁.
     

After 60 months, the rate adjusts annually based on the 1-Year Treasury Index plus a margin (e.g., 2.25%) with applicable caps on annual and lifetime adjustments. Rates and payments may increase after consummation. Maximum payment scenarios will vary based on borrower qualifications.

Assumptions and disclaimers same as above.

• Example: On a loan amount of $485,000, an interest rate of 6.81% with 2 discount points yields an APR of 6.88%, with a monthly principal & interest payment of approximately $3,134 for 360 months. FHA mortgage insurance premiums apply.
   
  • Rate source: Bankrate shows FHA rate of 6.81% and APR of 6.88% ⬜cite⟂turn0search0∂turn0search13∁.
     

Assumptions and disclaimers same as above.

Borrower must pay property taxes, homeowner’s insurance, and otherwise comply with all loan terms. Failure to do so may result in foreclosure.

Applies only to purchase transactions. Does not apply to Reverse Mortgages, FHA 203(k), VA, Bond, MCC, loans needing prior investor approval, or brokered loans. Excludes delays due to appraisal issues, escrow/title delays, 2nd lien holder approval, short sale approval, or lender conditions beyond control of Mortgage One, Inc.

Guarantee begins once the borrower’s initial application package is complete and appraisal payment is authorized. If not met, a $250 credit is applied toward closing costs.

  Loan Type Rate APR Monthly P&I (Example)     30-Year Fixed 6.62% 6.68% ~$3,045   15-Year Fixed 5.85% 5.93% ~$4,095   VA 5/1 ARM (Initial) 5.93% 5.93% ~$2,834   FHA 30-Year Fixed 6.81% 6.88% ~$3,134     

Let me know if you’d like these examples tailored further—such as adjusting loan amounts, points, or including jumbo conforming add-ons!