IF YOU HERE BECAUSE OF A LINK FROM ANOTHER SITE, please help us keep costs down by BOOKMARKING THIS PAGE.

-Ohio License # MB.801102.000          -Minnesota License # 40132836

800-466-0004

Better Scores = Better Rates

If you fico score is 720-739 improve rate by approx. .125%

If your fico score is over 740  improve rate by approx. .25%

Program/Loan Amount 700-719 FICO Scores*	RATE	POINTS	ORIGINATION FEES	APR**	Total lender Fees NOT Including Appraisal and Credit Report ***	Lock Days
30 Year Fixed $150,000-$417,000	call	0	0	call	$880	40
30 Year Fixed $100,000-$150,000	call	0	0	call	$880	40
30 Year Fixed $60,000-$99,999	call	0	0	call	$880	40

5% down STILL available for all 1st time home buyers that qualify.  5% down STILL available in some zip codes for Non first time home buyers...CALL TO FIND OUT IF YOU ARE ELIGIBLE FOR 5% DOWN AND TO CHECK CURRENT RATES

The rates are subject to change at anytime until the loan is locked in.  Please call us to get the most current rates/fees and to lock in a rate.  Rates are not updated on weekends, holidays, and after business hours.

*FICO Score is the lowest middle score of all borrwers on the loan as determined by a credit report pulled by Financial One Mortgage Corporation

**APR= Annual Percentage Rate is based on 20% down.  You are not required to put 20% down to get the rate above but loans that have less than 20% down require PMI and PMI will affect the APR.  The title company's settlement fee and other misc title fees will also affect the APR, for our calculations, in most areas in Ohio the title company is not known to us until after you make application, so for APR caluclation above a typical Columbus, Ohio area settlement fee and other misc title company fees.  Pre-paid interest is based on the date of the loan closing and is also an APR calculation so the pre-paid interest is unknown at the time of this calculation, therefore 3 days of pre-paid interest was used.

***TOTAL LENDER CLOSING COSTS REPRESENT ALL OF THE FEES THE LENDER WILL CHARGE YOU NOT INCLUDING THE APPRAISAL AND CREDIT REPORT.  BORROWERS THAT CHOOSE TO PAY THEIR OWN TAXES AND INSURANCE RATHER THAN INCLUDE THEM IN THEIR PAYMENT CAN BE SUBJECT TO ANOTHER LENDER FEE WHICH IS BASED ON THE LOAN AMOUNT.  AS WITH ALL LENDERS THE TITLE COMPANY FEES, COUNTY RECORDING FEES, AND TITLE INSURANCE ARE DETERMINED BY AREA AND ARE IN ADDITION TO THE TOTAL LENDER COSTS . MULTIFAMILY PROPERTIES AND/OR INVESTMENT PROPERTIES WILL BE SUBJECT TO ADDITIONAL LENDER COSTS FOR THE APPRAISAL.  LOANS THAT HAVE SUBORDINATE FINANCING ARE ALSO SUBJECT TO AN ADDITIONAL FEE.  LOANS ON CONDO'S OR TOWNHOMES MAY BE SUBJECT TO AN ADDITIONAL FEE.

****Rate, APR, and Fees quoted are assuming that each borrower meets the qualification for the loan and all loans are subject to loan approval.

Financial One Mortgage Corp. offers a variety of loan programs to meet your needs including Low Fixed Rates, Jumbo Loans, FHA Loans, and many Arm products.  Please call 800-466-0004 to speak to a loan officer about some of these products. 

110 Northwoods Blvd. Suite 1A, Columbus, OH 43235