For complete disclosures, terms and conditions please call (480) 294-0232. Rates subject to change without notice. Disclosed rates assume a $310,400 loan amount rate and term refinance loan on an owner-occupied single family residence. Minimum 740 FICO score, 50% loan to value with no subordinate debt. If these factors are not met, you may still qualify for a loan but higher rates may apply. Not all applicants will qualify. Sample transaction is 180 monthly payments or a 15 year fixed rate loan with a 1 point buy down.