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The total amount of credit you want to be approved for in a home equity loan.
A Point is a percentage of your loan amount (ex: 1 point = 1% of your loan amount) paid to the lender upfront to lower your interest rate. Typically, 1 point (or 1%) will buy the rate down .25%. Incrementally enter points to see how it impacts your rate. Generally, the longer you plan on keeping your loan, the more attractive points can become.
The Credit Range that you select can directly affect the Rate(s) that are offered. A higher credit score can lower your qualifying rate. Your actual credit score will be validated by the Mortgage Loan Provider(s) that you select to work with and that “qualified” credit score will be used to create your qualified offer.
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Costco has selected First Choice Loan Services as the provider of the Mortgage Services. Top mortgage lenders have committed to providing superior pricing, excellent member service and fast response times.
Lender Fees $600 or less *
Lender Fees $750 or less *
Savings up to $4,910 over the typical life of the loan **
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All Mortgage Brokerage services provided by First Choice Loan Services, a New Jersey state-chartered bank, which is registered or exempt from state licensing in the states in which it brokers and originates mortgage loans or lines of credit. Costco and its affiliates do not negotiate, arrange or make mortgage loans or lines of credit. Licensed by the N.J. Department of Banking and Insurance.
Rates and results are provided by participating lenders in the First Choice Mortgage Services program. The information entered by Costco members will only be shared with the lenders you request a quote from. The live rate quotes presented are offers from the lenders which reflect current market changes. By clicking the "See Results" button, you will always see the most up-to-date rates available.
*Lender Fees include application, commitment, underwriting, processing fees or similar fees and DO NOT include 3rd party fees, such as title insurance, appraisal, tax service, escrow and other such fees in which the lender does not profit and are passed directly through to the borrower. All fees are clearly detailed in the Good Faith Estimate.
**Disclaimer: The estimated savings is calculated over a 7 year period utilizing the following loan scenario and include both interest and fees savings: home purchase in the state of California with a LTV- 80, Loan Amount= $250,000, Single Family, Primary Residence, FICO= 720, Term= 30yr as of 2/28/2014. Average savings is $4910 as of 2/28/2014 is compared to an average of national mortgage lenders in a comparative study conducted by Informa Research Services Inc. Individual savings may vary based on a credit score, LTV, location and loan amount. The rent vs. buy calculator does not include local property taxes or homeowners insurance or other potential property fees, e.g. Mello Roos or Homeowners Association Fees.