OriginPoint LLC. Disclosures and License Information

OriginPoint LLC is an Equal Housing Lender and Illinois Residential Mortgage Licensee. We fully comply with the Equal Credit Opportunity Act (ECOA) and all other Federal regulations. All applicants applying for credit from OriginPoint will never be discouraged on the basis of race, color, religion, national origin, sex, military status, marital status, age, or because you get public assistance. All information we request is voluntary, and will be kept confidential.

For more information on the ECOA, please visit: https://www.consumer.ftc.gov/articles/credit-discrimination#ecor.

For additional state licensing please visit https://www.originpoint.com/licensing.

Different types of mortgages

The mortgage rate that comes with your home loan will depend on which loan structure you decide to pursue. Here is a look at a variety of mortgage types that might best suit your needs:

• 30-year fixed conforming mortgage
• 15-year fixed conforming mortgage
• 5-year ARM conforming mortgage
• 7-year ARM conforming mortgage
• Jumbo mortgage
• Interest only mortgage

Mortgage Rate Assumptions

Rates shown assume a purchase transaction.

Annual Percentage Rate (APR) calculations assume a purchase transaction of a single-family, detached, owner-occupied primary residence; a loan-to-value ratio of less than 75%; a minimum FICO score of 740; and a loan amount of $300,000 for conforming loans or $500,000 for jumbo loans, unless otherwise specified.

• Annual Percentage Rate (APR) calculations assume a purchase transaction.
• Rates may be higher for loan amounts under $300,000 and over $500,000. Please call for details.
• Rates are subject to change without notice.
• Closing Costs assume that borrower will escrow monthly property tax and insurance payments.
• Subject to underwriter approval; not all applicants will be approved.
• Fees and charges apply.
• Payments do not include taxes and insurance.
• OriginPoint - 40 Day Rate Lock.
• Rates based on Illinois property.
• Mortgage insurance is not included in the payment quoted. Mortgage insurance will be required for all conventional loans where the loan to value is greater than 80%. Restrictions may apply.
• Fees:
  • Lender Fee $1,440
  • Appraisal Fee $400
  • Title Services or Lenders Title Insurance $200

Testimonial Disclosure

Compensation was not paid in exchange for any testimonial on this site. Individuals pictured may not be that of the endorsers and is for display purposes only.

Refinance Disclosure

By refinancing the existing loan, the total finance charges may be higher over the life of the loan.