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NOT ALL RATES ARE CREATED EQUAL! ALL rates are dependent on each of the following loan factors: loan amount, loan-to-value, occupancy status, loan term, credit score, whether you want to pay all, some or no closing costs, special loan feature buyouts (such as waiving escrows or requesting cash out) and whether you are purchasing or refinancing a home. If you do not factor in all of these items when inquiring about a rate, you could be getting set up for a misleading rate quote. Just comparing online rates without loan specifics as we offer in our Custom Rate SearchTool above, is where the inaccuracy can begin. Accurate details are the key to financing transparency.