APR = Annual Percentage Rate. Closing cost offer for mortgage refinances only. Appraisal fee will vary and is the responsibility of the applicant if the loan is not consummated. Total savings may vary. Payments do not include applicable taxes and insurance, so actual obligation will be greater. $999 closing cost offer good for loans up to $200,000. Loans above $200,000 up to $510,400 closing cost is $1,250. Rates effective 02/03/2020 and can change daily. Payment example: A $100,000 mortgage rate of 3.49% for 15 years would have a principal and interest payment of $714.49. Assuming 80% Loan to Value, the resulting APR would be 3.64%. New Money Only. Minimum loan amount of $25,000.