This residential green home rating system can be used on any new construction, existing homes, single family, and multifamily. They are backed by sound building science, have been tried and tested in the field, and are recognized by third party sources, including the Fannie Mae Green Certification program, California Air Resources Board, the California Energy Commission and the Association of Bay Area Governments. GreenPoint Rated recommends measures and performance benchmarks that specifically address climate and market conditions. Experienced and certified GreenPoint Raters deliver third-party verification on above-code, high-performance single and multi-family homes in California and beyond. To fully understand minimum and maximum payments, please speak to a mortgage loan expert.GreenPoint Rated is a credible and accessible pathway to prove your home was built to trusted environmental standards for a sustainable, efficient, durable, and healthier home. Before choosing an ARM, you should decide if you can manage the maximum estimated payment if the rate increases. The Green Plan cannot be combined with commuter plans. Since the index in the future is unknown, the First Adjusted Rate and Payments displayed are based on the current index plus the margin (fully indexed rate) at time of scenario/disclosure. Proof of vehicle registration is required to receive the special 10 discount off of the E-ZPass rate. Any change may significantly impact your monthly payment. After the initial fixed period, your interest rate may change periodically according to the market index. Interest rates and payments may increase after consummation. It has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the US Department of Agriculture, or any other government agency. is a private corporation organized under the laws of the State of Delaware. At the direction of the United States Congress and the Department of Veterans Affairs VA Funding Fees may increase or decrease without notice. This fee may be paid out of pocket or financed into the loan amount. Most VA loans require the borrower to pay a 'funding fee'. Up to 100% financing may be available for qualified borrowers. If you meet the eligibility requirements of the VA program, gifts or grants may be used for down payments. Your loan's interest rate will depend upon the specific characteristics of your loan transaction and your credit history up to the time of closing. These mortgage rates are based upon a variety of assumptions and conditions, which include a consumer credit score that may be higher or lower than your individual credit score. Mortgage rates and loan options displayed depend on a number of variables, including the accuracy of the information you have entered, which is subject to verification, credit and property approval. When you apply, you can choose to lock or float your interest rate range. Under certain circumstances, a 30-day rate lock may not be available. We based the mortgage interest rates shown on a 30-day rate lock period. Some jumbo loan options may not be available to first-time home buyers. One discount points equals one percent of your loan amount. When shopping for a mortgage, you can use the APR to compare the costs of similar loans between lenders. For home equity lines, the APR simply reflects the interest rate. For mortgage loans, excluding home equity lines of credit, it includes the interest rate plus other charges or fees (such as mortgage insurance, discount points, and origination charges). The displayed Annual Percentage Rate (APR) is a measure of the cost to borrow money expressed as a yearly percentage. The payment amount does not include homeowners’ insurance, flood insurance (if applicable), or property taxes that must be paid in addition to your loan payment. If the down payment is less than 20%, mortgage insurance may be required and could increase the monthly payment and APR. Mortgage rates are offered exclusively through Guaranteed Rate and are subject to change without notice. The actual fees, costs, and monthly payment on your specific loan transaction may vary, and may include city, county, or other additional fees and costs. This is NOT a mortgage loan approval or commitment to lend.
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