Our Interest is in Your Future!

These disclosures relate to recent advertisements on the internet by or through iCovest Capital Group and its Affiliate Branches:

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The advertised loan is a 30-year Fixed Rate Loan with a 30-year fully amortizing term. The interest rate is 3.250% for 360 months. The disclosed APR is based on the payment of 2 discount points. For a $510,400 loan, there is a 3.381% APR with a monthly principal and interest payment of $2,221 for 360 months. Interest rate quoted assumes a purchase or rate-term refinance with 45 day lock pricing at 60% loan-to-value (LTV), a minimum FICO score of 740 on a primary residence. The actual interest rate, APR and payment may vary based on the specific terms of the loan selected, verification of information, your credit history, the location and type of property, and other factors as determined by Lender. Not available in all states. Payments shown do not include taxes or insurance, actual payment obligations will be greater. Not all applicants will qualify. Rates and terms are effective 2/7/2020 and are subject to change without notice.

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The advertised loan is a 15-year Fixed Rate Loan with a 15-year fully amortizing term. The interest rate is 2.875% for 180 months. The disclosed APR is based on the payment of 2 discount points. For a $510,400 loan, there is a 3.111% APR with a monthly principal and interest payment with 45 day lock pricing at 60% loan-to-value (LTV), a minimum FICO score of 740 on of $3,494 for 180 months. Interest rate quoted assumes a purchase or rate-term refinance a primary residence. The actual interest rate, APR and payment may vary based on the specific terms of the loan selected, verification of information, your credit history, the location and type of property, and other factors as determined by Lender. Not available in all states. Payments shown do not include taxes or insurance, actual payment obligations will be greater. Not all applicants will qualify. Rates and terms are effective 2/7/2020 and are subject to change without notice.

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This is a VA program. Current guidelines for VA Financing can be found at http://www.benefits.va.gov/homeloans/index.asp.
The advertised loan is a VA 30-year Fixed Rate Loan with a 30-year fully amortizing term. The interest rate is 2.750% for 360 months. The disclosed APR is based on the payment of 2 discount points. For a $510,400 loan, there is a 3.135% APR with a monthly principal and interest payment of $2,084 for 360 months. Interest rate quoted assumes a purchase or rate-term refinance with 45 day lock pricing at 100% loan-to-value (LTV), a minimum FICO score of 740 on a primary residence. The actual interest rate, APR and payment may vary based on the specific terms of the loan selected, verification of information, your credit history, the location and type of property, and other factors as determined by Lender. Not available in all states. Payments shown do not include taxes or insurance, actual payment obligations will be greater. Not all applicants will qualify. Rates and terms are effective 2/7/2020 and are subject to change without notice.

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The advertised loan is an FHA 30-year Fixed Rate Loan with a 30-year fully amortizing term. The interest rate is 2.750% for 360 months. The disclosed APR is based on the payment of 2 discount points. For a $510,400 loan, there is a 3.549% APR with a monthly principal and interest payment of $2,084 for 360 months. Interest rate quoted assumes a purchase or rate-term refinance at 80% loan-to-value (LTV), a minimum FICO score of 740 on a primary residence. The actual interest rate, APR and payment may vary based on the specific terms of the loan selected, verification of information, your credit history, the location and type of property, and other factors as determined by Lender. Not available in all states. Payments shown do not include taxes, hazard insurance, or mortgage insurance; actual payment obligations will be greater. Not all applicants will qualify. Rates and terms are effective 2/7/2020 and are subject to change without notice.

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Reverse Mortgage - Borrower must pay required taxes and insurance.