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You should choose this option if you are paying off an existing mortgage and netting less than $2000 cash or if you are paying off a Purchase Money First and Second Mortgage and netting less than $2000.

You should choose this option if you are netting more than $2000 Cash, if you are paying off a Second Mortgage that was not taken out at the time of purchase or if you are paying off any other consumer debts with the proceeds of this loan.

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Loan Programs

A mortgage in which the interest rate does not change during the entire term of the loan.

A mortgage that permits the lender to adjust the mortgage's interest rate periodically on the basis of changes in a specified index. The interest rates on these loans will be fixed for a specified period of time, then will become adjustable for the remaining years of the loan. Once adjustable, the interest rates may move up or down, as market conditions change.

Documentation type

I qualify with full documentation of my income and assets. This will allow me to obtain the best rate and loan fee.

I will not document my income but will provide full asset documentation. This will reduce the amount of paperwork needed to close my loan, but may increase my rate or loan fee.

I am not willing to document my income and assets. This option may further increase my rate and loan fee.

Taxes & Insurance

Do you want to include your taxes and insurance with your monthly payment?

This may result in a lower rate or loan fee.

This may increase my rate or loan fee.

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Compare the savings from One Easy Fee

30 Year Fixed Loan

Lender Rate APR Total Fees
One Easy Fee5.8756.138$11,748
E Loan5.8756.376$14,925
Bank of America6.6256.817$7,381
GMAC6.0006.252$12,567
Chase6.7506.814$2,724
E*TradeN/AN/AN/A
Wachovia5.8756.264$8,312

Source: Independent third party, Informa Research Services.
Comparison effective 07/03/08 and based upon the following loan criteria

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