When I put my offer in on my home and inquired with 6 different lenders, Agora Lending was the least expensive. My loan officer was able to close my loan very quickly, with no issues whatsoever. We had a great experience and I will be using them again.
Loan Assumptions
30 Year Fixed – First Mortgage
Disclosed rate assumes a minimum $300,000 rate and term refinance loan on an owner-occupied single family residence, minimum 740 FICO credit score, 60% loan to value with no subordinate debt. If these factors are not met, you may still qualify. Subject to underwriting approval. Not all applicants will qualify.
15 Year Fixed – First Mortgage
Disclosed rate assumes a minimum $300,000 rate and term refinance loan on an owner-occupied single family residence, minimum 740 FICO credit score, 60% loan to value with no subordinate debt. If these factors are not met, you may still qualify. Subject to underwriting approval. Not all applicants will qualify.
Equal Housing Lender
We conduct business in accordance with the Federal Fair Housing Law (Fair Housing Amendments Act of 1988). It is illegal to discriminate against any person because of race, color, religion, sex, handicap, familial status, or national origin:
Anyone who feels he or she has been discriminated against may file a complaint of housing discrimination: 1-800-669-9777 (toll free), or 1-800-927-9275 (tdd), or send to:
Office of Fair Housing and Equal Opportunity
Department of Housing and Urban Development
Room 5204
451 Seventh St. SW
Washington, DC 20410-2000
Or online: http://portal.hud.gov/hudportal/HUD?src=/program_offices/fair_housing_equal_opp/online-complaint
Fair Lending Policy
It is our policy to comply with the Equal Credit Opportunity Act and the Fair Housing Act. In addition, it is our policy to comply with state laws that provide greater protection. Agora Lending does not discriminate against any applicant on the basis of race; color; religion; creed; national origin; ancestry; sex; marital status; familial status (number and age of children); sexual orientation; age (provided that the applicant has the capacity to enter into a binding agreement); medical history; disability; physical condition; military status; because the applicant has in good faith exercised any right under the Consumer Credit Protection Act or the Service members Civil Relief Act (SCRA); that all or part of a consumer’s income derives from a public assistance program; or any other basis prohibited by law.
At Agora Lending, we do not discriminate against any applicant or discourage anyone on a prohibited basis from submitting an application. To assure that our employees have a clear and unequivocal statement of our commitment to a nondiscriminatory method of doing business, we have adopted the following fair lending policy. Employees must be thoroughly familiar with this policy and follow it.
IMPORTANT INFORMATION ABOUT PROCEDURES FOR OBTAINING A MORTGAGE LOAN
To help us prevent fraud and to assist the government in fighting the funding of terrorism and money laundering activities, we are obtaining, verifying, and recording information that identifies each person who applies for and/or obtains a mortgage loan. What this means for you: When you apply for and/or obtain a mortgage loan, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.
This Annual Percentage Rate (APR) is a sample rate based on the following assumptions: $400,000.00 loan amount, 30 year fixed rate at 2.625% and a 60% loan-to-value (LTV) with a payment of $1,606.60 with 0.03 points, and a FICO score of 740. This sample rate is for a purchase conforming fixed rate loan for a single family residence, primary residence, no subordinate financing.
This Annual Percentage Rate (APR) is a sample rate based on the following assumptions: $400,000.00 loan amount, 15 year fixed rate at 2.125% and a 60% loan-to-value (LTV) with a payment of $2,597.12 with 0.00 points, and a FICO score of 740. This sample rate is for a purchase conforming fixed rate loan for a single family residence, primary residence, no subordinate financing.
This Annual Percentage Rate (APR) is a sample rate based on the following assumptions: $500,000.00, 30 year fixed rate starting at 6.125% and a 60% loan-to-value (LTV) with a payment of $3,038.05 with 0.03 points, and a FICO score of 740. This sample rate is for a purchase jumbo fixed rate loan for a single family residence, primary residence, no subordinate financing.
Not all programs are available in all areas. Program restrictions apply. All rights reserved.
Payment does not include taxes and insurance premiums, which will result in higher payments.
This is not an offer for extension of credit or a commitment to lend.
All loans are subject to approval and may be subject to change depending on your circumstances.
Interest rates, loan terms, pricing, fees, and products are subject to change without notice.
Formal credit approval of the offer will be subject to underwriting approval, including but not limited to, financial and non-financial information, satisfactory verification of income, assets, credit, collateral, property condition and value. By refinancing your existing loan, the total finance charges may be higher over the life of the loan. Due to changing market conditions, clients currently in process may not qualify for this offer. Rates, annual percentage rates (APR) and terms subject to change at any time, based on market conditions and borrower eligibility and may not be available at closing.
The information you provide to Agora Lending, a division of One American Bank will be used solely for marketing purposes in accordance with federal and state lending guidelines.
I have read and agree to the Terms of Use and Privacy Policy. I understand that by providing my information to Agora Lending, I expressly authorize Agora Lending to use the information I have provided to communicate with me about products, services and programs. This includes Agora Lending’s use of my information for future marketing purposes, such as determining my eligibility for new products, services or programs offered by Agora Lending or one of its marketing partners.
By clicking “GET STARTED”, I authorize Agora Lending to call or text me at any phone number I provide during this online session even if Agora Lending use an autodialer to call or text me. If the phone number I provide is registered to a mobile device, I understand mobile carrier’s charges may apply. I agree and authorize Agora Lending to contact me at the email address I provide. I understand that I can revoke my agreement or opt-out to receive marketing emails at any time.
To change my communication preferences, I understand that I may contact Agora Lending by email at support@agoralending.com or by phone at (800) 332-4594.
