*Due to market volatility, rate quoted may only be valid on January 30, 2012 at 8:00 AM at the time of posting as interest rates, loan terms, and lending guidelines are subject to change without notice. No closing costs feature only applies to refinance transactions only. Rate quoted is a 10/10 fixed rate mortgage. APR is based on a $417,000 loan amount. Some assumptions are: 40% equity, 740 or higher credit scores, loan amount from $300,000 to a maximum of $417,000 (rate is slightly higher for loan amounts $417,001 to $729,500), single family primary residence (rate for condominium is higher), no cash out, 30 day rate lock. Although some assumptions are posted, mortgage rate displayed depends on a number of variables which may or may not be mentioned in this disclaimer and is subject to verification. Applicant(s) and subject property must meet all lenders’ guidelines to be approved for this rate; therefore this is not a mortgage loan approval, a guarantee of making a loan, or a commitment to lend. The actual fees, costs and monthly payment on your specific loan transaction may vary and may include additional fees and costs. SourceBanc Mortgage is licensed to lend in the State of California.