![]() Our corporate headquarters is located at 13001 23 Mile Road Suite 101, Shelby Township, MI 48315. Our Missouri address is 4 Research Park Drive, Suite 140, St. Homesite Mortgage, LLC is licensed in Illinois, Michigan, Missouri and Virginia. For this reason, among others, we recommend reducing your term as well if possible. Virginia residents please note that while a mortgage refinance may reduce your current monthly mortgage payment it may also add additional time to your current term and therefore the total finance charges could be higher. Lending services are not available in all areas. The refinance rate quotes do not include “cash out” loan scenarios. All FHA/USDA and VA loan scenarios require government mortgage insurance or a loan guarantee fee. For loan-to-value (LTV) scenarios that exceed 80% on a conventional loan product private mortgage insurance will be needed. The interest rate quotes that are generated on this website are calculated on a 30 day rate lock. Some mortgage products require more information about the borrowers qualifications or the property type and therefore cannot generate an automated rate quote or preapproval. ![]() Some restrictions on product offerings may apply. Every mortgage scenario has qualifications that apply and receiving an interest rate quote does not in itself mean that you have been qualified or approved for a mortgage loan and does not constitute a mortgage offer. Mortgage rates can change as the financial markets change and without notice. If you wish not to agree to our terms of use for this website you can call us instead at 87 and we will be happy to assist with your mortgage needs. Lastly, you agree to allow us to publicly share your first name, state in which you reside, and the purpose of your request for our services. You also expressly extend your consent to our referral partners to contact you at the telephone number(s) and email address that you provide to us – even if you have registered your telephone number and/or email address on the “Do Not Call Registry”. We will limit the type of information that we share to our unaffiliated referral partners to only what you provide to us using the fillable forms on this website. These referral partners may or may not be legally affiliated with us. In addition, you are hereby advised about, and consent to, the sharing of the information you provide to us by way of this website with our referral partners. If the telephone number(s) that you’ve provided us is registered on a “Do Not Call Registry” you still expressly consent to having us call you. This contact can include by way of cellular phone, home phone, business phone, email, US mail or whatever contact method that you’ve provided to us. As part of your acceptance and agreement to our terms of use you hereby consent to allow our employees or affiliates contact you. When you use this website and/or click on any link within the pages of this website you accept and agree to our terms of use. The APR posted above reflects two discount points (2.0%). The VA funding fee applied assumes it is the Veterans first time use. The property type assumes a qualified type of detached housing that is the primary residence. The base loan amount of $475,000 at 100% loan-to-value (LTV) and a 740 or better credit score. The base loan amount of $325,000 at 96.50% loan-to-value (LTV) and a 740 or higher credit score. ![]() Escrow waivers are available for an additional fee. The loan amount of $325,000 at 70% loan-to-value (LTV) and a 740 or higher credit score. Fixed Rate Conventional Mortgage Assumptions The posted rate for Homesite Mortgage has an APR that reflects two discount points (2.0%). Rates change regularly as the broader markets move. The purpose of the interest rate comparison is to illustrate where each company stands competitively when the weekly market snapshot is assessed. The rates reviewed were for the Detroit Area MSA. The scenario utilized to calculate each mortgage interest rate is for a purchase transaction with a purchase price of $500,000, a loan amount of $300,000, and a credit score of 740+ and a lock term of 30 days. The competitor rates displayed above were provided by Icon Advisory Group, LTD and are updated weekly. ![]() More Information: Competitor Rates Methodology ![]()
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