My Credit Plan BlogLatest News and Updateshttps://mycreditplan.org/BlogMortgage Interest Rates Drop to Historic Levelshttps://mycreditplan.org/Blog/PostId/41/mortgage-interest-rates-drop-to-historic-levelsSteps to Lowering Your PaymentsFri, 28 Feb 2020 23:42:00 GMT<p style="margin:0in 0in 0.0001pt; text-align:start; -webkit-text-stroke-width:0px"><span style="font-size:medium"><span style="font-family:Calibri, sans-serif"><span style="caret-color:#000000"><span style="color:#000000"><span style="font-style:normal"><span style="font-variant-caps:normal"><span style="font-weight:normal"><span style="letter-spacing:normal"><span style="orphans:auto"><span style="text-transform:none"><span style="white-space:normal"><span style="widows:auto"><span style="word-spacing:0px"><span style="-webkit-text-size-adjust:auto"><span style="text-decoration:none"></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></p> <p style="margin:0in 0in 0.0001pt; text-align:start; -webkit-text-stroke-width:0px"><span style="font-size:medium"><span style="font-family:Calibri, sans-serif"><span style="caret-color:#000000"><span style="color:#000000"><span style="font-style:normal"><span style="font-variant-caps:normal"><span style="font-weight:normal"><span style="letter-spacing:normal"><span style="orphans:auto"><span style="text-transform:none"><span style="white-space:normal"><span style="widows:auto"><span style="word-spacing:0px"><span style="-webkit-text-size-adjust:auto"><span style="text-decoration:none"><b><i><u><span style="font-size:14pt">What a week for interest rates!</span></u></i></b></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></p> <p style="margin:0in 0in 0.0001pt; text-align:start; -webkit-text-stroke-width:0px"><span style="font-size:medium"><span style="font-family:Calibri, sans-serif"><span style="caret-color:#000000"><span style="color:#000000"><span style="font-style:normal"><span style="font-variant-caps:normal"><span style="font-weight:normal"><span style="letter-spacing:normal"><span style="orphans:auto"><span style="text-transform:none"><span style="white-space:normal"><span style="widows:auto"><span style="word-spacing:0px"><span style="-webkit-text-size-adjust:auto"><span style="text-decoration:none"></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></p> <p style="margin:0in 0in 0.0001pt; text-align:start; -webkit-text-stroke-width:0px"><span style="font-size:medium"><span style="font-family:Calibri, sans-serif"><span style="caret-color:#000000"><span style="color:#000000"><span style="font-style:normal"><span style="font-variant-caps:normal"><span style="font-weight:normal"><span style="letter-spacing:normal"><span style="orphans:auto"><span style="text-transform:none"><span style="white-space:normal"><span style="widows:auto"><span style="word-spacing:0px"><span style="-webkit-text-size-adjust:auto"><span style="text-decoration:none"> </span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></p> <p style="margin:0in 0in 0.0001pt; text-align:start; -webkit-text-stroke-width:0px"><span style="font-size:medium"><span style="font-family:Calibri, sans-serif"><span style="caret-color:#000000"><span style="color:#000000"><span style="font-style:normal"><span style="font-variant-caps:normal"><span style="font-weight:normal"><span style="letter-spacing:normal"><span style="orphans:auto"><span style="text-transform:none"><span style="white-space:normal"><span style="widows:auto"><span style="word-spacing:0px"><span style="-webkit-text-size-adjust:auto"><span style="text-decoration:none">Rates have taken a wild ride lower over the last several months. <b><u>This week however, rates have broken through new lows.</u></b>The 10 year treasury bond hit historical lows on Friday, February 28 at 1.13%. This historical rate drop gives a generational opportunity for many homeowners to lower their monthly payments.</span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></p> <p style="margin:0in 0in 0.0001pt; text-align:start; -webkit-text-stroke-width:0px"><span style="font-size:medium"><span style="font-family:Calibri, sans-serif"><span style="caret-color:#000000"><span style="color:#000000"><span style="font-style:normal"><span style="font-variant-caps:normal"><span style="font-weight:normal"><span style="letter-spacing:normal"><span style="orphans:auto"><span style="text-transform:none"><span style="white-space:normal"><span style="widows:auto"><span style="word-spacing:0px"><span style="-webkit-text-size-adjust:auto"><span style="text-decoration:none"> </span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></p> <p style="margin:0in 0in 0.0001pt; text-align:start; -webkit-text-stroke-width:0px"><span style="font-size:medium"><span style="font-family:Calibri, sans-serif"><span style="caret-color:#000000"><span style="color:#000000"><span style="font-style:normal"><span style="font-variant-caps:normal"><span style="font-weight:normal"><span style="letter-spacing:normal"><span style="orphans:auto"><span style="text-transform:none"><span style="white-space:normal"><span style="widows:auto"><span style="word-spacing:0px"><span style="-webkit-text-size-adjust:auto"><span style="text-decoration:none"></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></p> <p style="margin:0in 0in 0.0001pt; text-align:start; -webkit-text-stroke-width:0px"><span style="font-size:12pt; text-align:start; -webkit-text-stroke-width:0px"><span style="caret-color:#000000"><span style="color:#000000"><span style="font-style:normal"><span style="font-variant-caps:normal"><span style="font-weight:normal"><span style="letter-spacing:normal"><span style="orphans:auto"><span style="text-transform:none"><span style="white-space:normal"><span style="widows:auto"><span style="word-spacing:0px"><span style="-webkit-text-size-adjust:auto"><span style="text-decoration:none"><span style="font-family:Calibri, sans-serif">What opportunity is there for consumers? Let’s take a look. </span></span></span></span></span></span></span></span></span></span></span></span></span></span></span><span style="font-size:medium; text-align:start; -webkit-text-stroke-width:0px"><span style="caret-color:#000000"><span style="color:#000000"><span style="font-family:-webkit-standard"><span style="font-style:normal"><span style="font-variant-caps:normal"><span style="font-weight:normal"><span style="letter-spacing:normal"><span style="orphans:auto"><span style="text-transform:none"><span style="white-space:normal"><span style="widows:auto"><span style="word-spacing:0px"><span style="-webkit-text-size-adjust:auto"><span style="text-decoration:none"><span style="display:inline !important"><span style="float:none"></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span><span style="font-size:medium"><span style="font-family:Calibri, sans-serif"><span style="caret-color:#000000"><span style="color:#000000"><span style="font-style:normal"><span style="font-variant-caps:normal"><span style="font-weight:normal"><span style="letter-spacing:normal"><span style="orphans:auto"><span style="text-transform:none"><span style="white-space:normal"><span style="widows:auto"><span style="word-spacing:0px"><span style="-webkit-text-size-adjust:auto"><span style="text-decoration:none">Even though there is savings for many consumers, those that have excellent credit will save the most. Let’s take a look at the numbers on a fixed rate $350,000 mortgage at 75% of the appraised value.</span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></p> <p style="margin:0in 0in 0.0001pt; text-align:start; -webkit-text-stroke-width:0px"><span style="font-size:medium"><span style="font-family:Calibri, sans-serif"><span style="caret-color:#000000"><span style="color:#000000"><span style="font-style:normal"><span style="font-variant-caps:normal"><span style="font-weight:normal"><span style="letter-spacing:normal"><span style="orphans:auto"><span style="text-transform:none"><span style="white-space:normal"><span style="widows:auto"><span style="word-spacing:0px"><span style="-webkit-text-size-adjust:auto"><span style="text-decoration:none"> </span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></p> <p style="margin:0in 0in 0.0001pt; text-align:start; -webkit-text-stroke-width:0px"><span style="font-size:medium"><span style="font-family:Calibri, sans-serif"><span style="caret-color:#000000"><span style="color:#000000"><span style="font-style:normal"><span style="font-variant-caps:normal"><span style="font-weight:normal"><span style="letter-spacing:normal"><span style="orphans:auto"><span style="text-transform:none"><span style="white-space:normal"><span style="widows:auto"><span style="word-spacing:0px"><span style="-webkit-text-size-adjust:auto"><span style="text-decoration:none"></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></p> <p style="margin:0in 0in 0.0001pt; text-align:start; -webkit-text-stroke-width:0px"><span style="font-size:medium"><span style="font-family:Calibri, sans-serif"><span style="caret-color:#000000"><span style="color:#000000"><span style="font-style:normal"><span style="font-variant-caps:normal"><span style="font-weight:normal"><span style="letter-spacing:normal"><span style="orphans:auto"><span style="text-transform:none"><span style="white-space:normal"><span style="widows:auto"><span style="word-spacing:0px"><span style="-webkit-text-size-adjust:auto"><span style="text-decoration:none">Standard closing costs of roughly 2% should be considered by many lenders. If you have concerns, there is a list of lenders at the bottom of this blog to contact.</span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></p> <p style="margin:0in 0in 0.0001pt; text-align:start; -webkit-text-stroke-width:0px"><span style="font-size:medium"><span style="font-family:Calibri, sans-serif"><span style="caret-color:#000000"><span style="color:#000000"><span style="font-style:normal"><span style="font-variant-caps:normal"><span style="font-weight:normal"><span style="letter-spacing:normal"><span style="orphans:auto"><span style="text-transform:none"><span style="white-space:normal"><span style="widows:auto"><span style="word-spacing:0px"><span style="-webkit-text-size-adjust:auto"><span style="text-decoration:none"> </span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></p> <p style="margin:0in 0in 0.0001pt; text-align:start; -webkit-text-stroke-width:0px"><span style="font-size:medium"><span style="font-family:Calibri, sans-serif"><span style="caret-color:#000000"><span style="color:#000000"><span style="font-style:normal"><span style="font-variant-caps:normal"><span style="font-weight:normal"><span style="letter-spacing:normal"><span style="orphans:auto"><span style="text-transform:none"><span style="white-space:normal"><span style="widows:auto"><span style="word-spacing:0px"><span style="-webkit-text-size-adjust:auto"><span style="text-decoration:none"></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></p> <p style="margin:0in 0in 0.0001pt; text-align:start; -webkit-text-stroke-width:0px"><span style="font-size:medium"><span style="font-family:Calibri, sans-serif"><span style="caret-color:#000000"><span style="color:#000000"><span style="font-style:normal"><span style="font-variant-caps:normal"><span style="font-weight:normal"><span style="letter-spacing:normal"><span style="orphans:auto"><span style="text-transform:none"><span style="white-space:normal"><span style="widows:auto"><span style="word-spacing:0px"><span style="-webkit-text-size-adjust:auto"><span style="text-decoration:none">For a 30 year fixed rate mortgage, here are the payments for those with different credit scores.</span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></p> <p style="margin:0in 0in 0.0001pt; text-align:start; -webkit-text-stroke-width:0px"><span style="font-size:medium"><span style="font-family:Calibri, sans-serif"><span style="caret-color:#000000"><span style="color:#000000"><span style="font-style:normal"><span style="font-variant-caps:normal"><span style="font-weight:normal"><span style="letter-spacing:normal"><span style="orphans:auto"><span style="text-transform:none"><span style="white-space:normal"><span style="widows:auto"><span style="word-spacing:0px"><span style="-webkit-text-size-adjust:auto"><span style="text-decoration:none"></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></p> <table align="center" border="1" cellpadding="1" cellspacing="1" style="width: 800px;"> <caption>Mortgage Payments on a 30 Year Fixed-Rate, $350,000 Mortgage (75% LTV)</caption> <thead> <tr> <th scope="col">FICO® Score</th> <th scope="col">Monthly Payment (Interest Rate)</th> <th scope="col">Payment Difference (from 760 Score)</th> </tr> </thead> <tbody> <tr> <td style="text-align: center;">760</td> <td style="text-align: center;">$1,499.31    (3.125%)</td> <td style="text-align: center;">0</td> </tr> <tr> <td style="text-align: center;">740</td> <td style="text-align: center;">$1,499.31    (3.125%)</td> <td style="text-align: center;">No Difference - 0</td> </tr> <tr> <td style="text-align: center;">720</td> <td style="text-align: center;">$1,523.22    (3.25%)</td> <td style="text-align: center;">An extra 23.91</td> </tr> <tr> <td style="text-align: center;">700</td> <td style="text-align: center;">$1,571.66    (3.50%)</td> <td style="text-align: center;">An extra $72.43</td> </tr> <tr> <td style="text-align: center;">680</td> <td style="text-align: center;">$1,596.18    (3.625%)</td> <td style="text-align: center;">An extra $96.87</td> </tr> <tr> <td style="text-align: center;">660</td> <td style="text-align: center;">$1,645.83    (3.875%)</td> <td style="text-align: center;">An extra $146.52</td> </tr> <tr> <td style="text-align: center;">640</td> <td style="text-align: center;">$1,670.95    (4.00%)</td> <td style="text-align: center;">An extra $171.64</td> </tr> <tr> <td style="text-align: center;">620</td> <td style="text-align: center;">$1,696.27    (4.125%)</td> <td style="text-align: center;">An extra $196.96</td> </tr> </tbody> </table> <div> </div> <div> </div> <p style="margin:0in 0in 0.0001pt; text-align:start; -webkit-text-stroke-width:0px"><span style="font-size:medium"><span style="font-family:Calibri, sans-serif"><span style="caret-color:#000000"><span style="color:#000000"><span style="font-style:normal"><span style="font-variant-caps:normal"><span style="font-weight:normal"><span style="letter-spacing:normal"><span style="orphans:auto"><span style="text-transform:none"><span style="white-space:normal"><span style="widows:auto"><span style="word-spacing:0px"><span style="-webkit-text-size-adjust:auto"><span style="text-decoration:none">As you can see, any mortgage borrower taking out a mortgage with an excellent FICO score will save the most money. A 720 credit score pays an extra $23.91 a month, while a 660 FICO Score pays an extra $146.52 a month. An excellent FICo score can qualify for tremendous savings that can be thousands of dollars each year. </span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></p> <p style="margin:0in 0in 0.0001pt; text-align:start; -webkit-text-stroke-width:0px"><span style="font-size:medium"><span style="font-family:Calibri, sans-serif"><span style="caret-color:#000000"><span style="color:#000000"><span style="font-style:normal"><span style="font-variant-caps:normal"><span style="font-weight:normal"><span style="letter-spacing:normal"><span style="orphans:auto"><span style="text-transform:none"><span style="white-space:normal"><span style="widows:auto"><span style="word-spacing:0px"><span style="-webkit-text-size-adjust:auto"><span style="text-decoration:none"> </span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></p> <p style="margin:0in 0in 0.0001pt; text-align:start; -webkit-text-stroke-width:0px"><span style="font-size:medium"><span style="font-family:Calibri, sans-serif"><span style="caret-color:#000000"><span style="color:#000000"><span style="font-style:normal"><span style="font-variant-caps:normal"><span style="font-weight:normal"><span style="letter-spacing:normal"><span style="orphans:auto"><span style="text-transform:none"><span style="white-space:normal"><span style="widows:auto"><span style="word-spacing:0px"><span style="-webkit-text-size-adjust:auto"><span style="text-decoration:none"></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></p> <p style="margin:0in 0in 0.0001pt; text-align:start; -webkit-text-stroke-width:0px"><span style="font-size:medium"><span style="font-family:Calibri, sans-serif"><span style="caret-color:#000000"><span style="color:#000000"><span style="font-style:normal"><span style="font-variant-caps:normal"><span style="font-weight:normal"><span style="letter-spacing:normal"><span style="orphans:auto"><span style="text-transform:none"><span style="white-space:normal"><span style="widows:auto"><span style="word-spacing:0px"><span style="-webkit-text-size-adjust:auto"><span style="text-decoration:none"><span style="font-size:medium"><span style="font-family:Calibri, sans-serif"><span style="caret-color:#000000"><span style="color:#000000"><span style="font-style:normal"><span style="font-variant-caps:normal"><span style="font-weight:normal"><span style="letter-spacing:normal"><span style="orphans:auto"><span style="text-transform:none"><span style="white-space:normal"><span style="widows:auto"><span style="word-spacing:0px"><span style="-webkit-text-size-adjust:auto"><span style="text-decoration:none"><b><span style="font-size:14pt">My Credit Plan</span></b></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></p> <p style="margin:0in 0in 0.0001pt; text-align:start; -webkit-text-stroke-width:0px"><span style="font-size:medium"><span style="font-family:Calibri, sans-serif"><span style="caret-color:#000000"><span style="color:#000000"><span style="font-style:normal"><span style="font-variant-caps:normal"><span style="font-weight:normal"><span style="letter-spacing:normal"><span style="orphans:auto"><span style="text-transform:none"><span style="white-space:normal"><span style="widows:auto"><span style="word-spacing:0px"><span style="-webkit-text-size-adjust:auto"><span style="text-decoration:none"></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></p> <p style="margin:0in 0in 0.0001pt; text-align:start; -webkit-text-stroke-width:0px"><span style="font-size:medium"><span style="font-family:Calibri, sans-serif"><span style="caret-color:#000000"><span style="color:#000000"><span style="font-style:normal"><span style="font-variant-caps:normal"><span style="font-weight:normal"><span style="letter-spacing:normal"><span style="orphans:auto"><span style="text-transform:none"><span style="white-space:normal"><span style="widows:auto"><span style="word-spacing:0px"><span style="-webkit-text-size-adjust:auto"><span style="text-decoration:none"> </span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></p> <p style="margin:0in 0in 0.0001pt; text-align:start; -webkit-text-stroke-width:0px"><span style="font-size:medium"><span style="font-family:Calibri, sans-serif"><span style="caret-color:#000000"><span style="color:#000000"><span style="font-style:normal"><span style="font-variant-caps:normal"><span style="font-weight:normal"><span style="letter-spacing:normal"><span style="orphans:auto"><span style="text-transform:none"><span style="white-space:normal"><span style="widows:auto"><span style="word-spacing:0px"><span style="-webkit-text-size-adjust:auto"><span style="text-decoration:none">There is one further note so you can know. <b><u>My Credit Plan is the only program available to consumers to check your mortgage payments and qualifications because it is assesses and uses your Classic FICO Scores – the same ones all mortgage lenders use.</u></b></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span><span style="font-size:medium"><span style="font-family:Calibri, sans-serif"><span style="caret-color:#000000"><span style="color:#000000"><span style="font-style:normal"><span style="font-variant-caps:normal"><span style="font-weight:normal"><span style="letter-spacing:normal"><span style="orphans:auto"><span style="text-transform:none"><span style="white-space:normal"><span style="widows:auto"><span style="word-spacing:0px"><span style="-webkit-text-size-adjust:auto"><span style="text-decoration:none"><b><span style="font-size:18pt"><span style="font-size:medium"><span style="font-family:Calibri, sans-serif"><span style="caret-color:#000000"><span style="color:#000000"><span style="font-style:normal"><span style="font-variant-caps:normal"><span style="font-weight:normal"><span style="letter-spacing:normal"><span style="orphans:auto"><span style="text-transform:none"><span style="white-space:normal"><span style="widows:auto"><span style="word-spacing:0px"><span style="-webkit-text-size-adjust:auto"><span style="text-decoration:none">  Check at My Credit Plan to see what your mortgage qualifications are. <a href="http://www.mycreditplan.org/" style="color:#954f72; text-decoration:underline">www.MyCreditPlan.org</a></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></b></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></p> <p style="margin:0in 0in 0.0001pt; text-align:start; -webkit-text-stroke-width:0px"><span style="font-size:medium"><span style="font-family:Calibri, sans-serif"><span style="caret-color:#000000"><span style="color:#000000"><span style="font-style:normal"><span style="font-variant-caps:normal"><span style="font-weight:normal"><span style="letter-spacing:normal"><span style="orphans:auto"><span style="text-transform:none"><span style="white-space:normal"><span style="widows:auto"><span style="word-spacing:0px"><span style="-webkit-text-size-adjust:auto"><span style="text-decoration:none"><b><span style="font-size:18pt"><span style="font-size:medium"><span style="font-family:Calibri, sans-serif"><span style="caret-color:#000000"><span style="color:#000000"><span style="font-style:normal"><span style="font-variant-caps:normal"><span style="font-weight:normal"><span style="letter-spacing:normal"><span style="orphans:auto"><span style="text-transform:none"><span style="white-space:normal"><span style="widows:auto"><span style="word-spacing:0px"><span style="-webkit-text-size-adjust:auto"> </span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></b></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></p> <p style="margin:0in 0in 0.0001pt; text-align:start; -webkit-text-stroke-width:0px"><span style="font-size:medium"><span style="font-family:Calibri, sans-serif"><span style="caret-color:#000000"><span style="color:#000000"><span style="font-style:normal"><span style="font-variant-caps:normal"><span style="font-weight:normal"><span style="letter-spacing:normal"><span style="orphans:auto"><span style="text-transform:none"><span style="white-space:normal"><span style="widows:auto"><span style="word-spacing:0px"><span style="-webkit-text-size-adjust:auto"><span style="text-decoration:none"><b><span style="font-size:18pt">Mortgage Lenders</span></b></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></p> <p style="margin:0in 0in 0.0001pt; text-align:start; -webkit-text-stroke-width:0px"><span style="font-size:medium"><span style="font-family:Calibri, sans-serif"><span style="caret-color:#000000"><span style="color:#000000"><span style="font-style:normal"><span style="font-variant-caps:normal"><span style="font-weight:normal"><span style="letter-spacing:normal"><span style="orphans:auto"><span style="text-transform:none"><span style="white-space:normal"><span style="widows:auto"><span style="word-spacing:0px"><span style="-webkit-text-size-adjust:auto"><span style="text-decoration:none"></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></p> <p style="margin:0in 0in 0.0001pt; text-align:start; -webkit-text-stroke-width:0px"><span style="font-size:medium"><span style="font-family:Calibri, sans-serif"><span style="caret-color:#000000"><span style="color:#000000"><span style="font-style:normal"><span style="font-variant-caps:normal"><span style="font-weight:normal"><span style="letter-spacing:normal"><span style="orphans:auto"><span style="text-transform:none"><span style="white-space:normal"><span style="widows:auto"><span style="word-spacing:0px"><span style="-webkit-text-size-adjust:auto"><span style="text-decoration:none"> </span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></p> <p style="margin:0in 0in 0.0001pt; text-align:start; -webkit-text-stroke-width:0px"><span style="font-size:medium"><span style="font-family:Calibri, sans-serif"><span style="caret-color:#000000"><span style="color:#000000"><span style="font-style:normal"><span style="font-variant-caps:normal"><span style="font-weight:normal"><span style="letter-spacing:normal"><span style="orphans:auto"><span style="text-transform:none"><span style="white-space:normal"><span style="widows:auto"><span style="word-spacing:0px"><span style="-webkit-text-size-adjust:auto"><span style="text-decoration:none">The following is a list of respected mortgage lenders. Review their rates and fees for the best terms. </span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></p> <p style="margin:0in 0in 0.0001pt; text-align:start; -webkit-text-stroke-width:0px"><span style="font-size:medium"><span style="font-family:Calibri, sans-serif"><span style="caret-color:#000000"><span style="color:#000000"><span style="font-style:normal"><span style="font-variant-caps:normal"><span style="font-weight:normal"><span style="letter-spacing:normal"><span style="orphans:auto"><span style="text-transform:none"><span style="white-space:normal"><span style="widows:auto"><span style="word-spacing:0px"><span style="-webkit-text-size-adjust:auto"><span style="text-decoration:none"></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></p> <p style="margin:0in 0in 0.0001pt; text-align:start; -webkit-text-stroke-width:0px"><span style="font-size:medium"><span style="font-family:Calibri, sans-serif"><span style="caret-color:#000000"><span style="color:#000000"><span style="font-style:normal"><span style="font-variant-caps:normal"><span style="font-weight:normal"><span style="letter-spacing:normal"><span style="orphans:auto"><span style="text-transform:none"><span style="white-space:normal"><span style="widows:auto"><span style="word-spacing:0px"><span style="-webkit-text-size-adjust:auto"><span style="text-decoration:none"><b><span style="font-size:14pt"> </span></b></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></p> <p style="margin:0in 0in 0.0001pt; text-align:start; -webkit-text-stroke-width:0px"><span style="font-size:medium"><span style="font-family:Calibri, sans-serif"><span style="caret-color:#000000"><span style="color:#000000"><span style="font-style:normal"><span style="font-variant-caps:normal"><span style="font-weight:normal"><span style="letter-spacing:normal"><span style="orphans:auto"><span style="text-transform:none"><span style="white-space:normal"><span style="widows:auto"><span style="word-spacing:0px"><span style="-webkit-text-size-adjust:auto"><span style="text-decoration:none"><b><span style="font-size:14pt">Momentum Loans</span></b></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></p> <p style="margin:0in 0in 0.0001pt; text-align:start; -webkit-text-stroke-width:0px"><span style="font-size:medium"><span style="font-family:Calibri, sans-serif"><span style="caret-color:#000000"><span style="color:#000000"><span style="font-style:normal"><span style="font-variant-caps:normal"><span style="font-weight:normal"><span style="letter-spacing:normal"><span style="orphans:auto"><span style="text-transform:none"><span style="white-space:normal"><span style="widows:auto"><span style="word-spacing:0px"><span style="-webkit-text-size-adjust:auto"><span style="text-decoration:none"></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></p> <p style="margin:0in 0in 0.0001pt; text-align:start; -webkit-text-stroke-width:0px"><span style="font-size:medium"><span style="font-family:Calibri, sans-serif"><span style="caret-color:#000000"><span style="color:#000000"><span style="font-style:normal"><span style="font-variant-caps:normal"><span style="font-weight:normal"><span style="letter-spacing:normal"><span style="orphans:auto"><span style="text-transform:none"><span style="white-space:normal"><span style="widows:auto"><span style="word-spacing:0px"><span style="-webkit-text-size-adjust:auto"><span style="text-decoration:none"><a href="https://www.momentumloans.com/" style="color:#954f72; text-decoration:underline">https://www.MomentumLoans.com</a></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></p> <p style="margin:0in 0in 0.0001pt; text-align:start; -webkit-text-stroke-width:0px"><span style="font-size:medium"><span style="font-family:Calibri, sans-serif"><span style="caret-color:#000000"><span style="color:#000000"><span style="font-style:normal"><span style="font-variant-caps:normal"><span style="font-weight:normal"><span style="letter-spacing:normal"><span style="orphans:auto"><span style="text-transform:none"><span style="white-space:normal"><span style="widows:auto"><span style="word-spacing:0px"><span style="-webkit-text-size-adjust:auto"><span style="text-decoration:none"></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></p> <p style="margin:0in 0in 0.0001pt; text-align:start; -webkit-text-stroke-width:0px"><span style="font-size:medium"><span style="font-family:Calibri, sans-serif"><span style="caret-color:#000000"><span style="color:#000000"><span style="font-style:normal"><span style="font-variant-caps:normal"><span style="font-weight:normal"><span style="letter-spacing:normal"><span style="orphans:auto"><span style="text-transform:none"><span style="white-space:normal"><span style="widows:auto"><span style="word-spacing:0px"><span style="-webkit-text-size-adjust:auto"><span style="text-decoration:none"><b><span style="font-size:14pt"> </span></b></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></p> <p style="margin:0in 0in 0.0001pt; text-align:start; -webkit-text-stroke-width:0px"><span style="font-size:medium"><span style="font-family:Calibri, sans-serif"><span style="caret-color:#000000"><span style="color:#000000"><span style="font-style:normal"><span style="font-variant-caps:normal"><span style="font-weight:normal"><span style="letter-spacing:normal"><span style="orphans:auto"><span style="text-transform:none"><span style="white-space:normal"><span style="widows:auto"><span style="word-spacing:0px"><span style="-webkit-text-size-adjust:auto"><span style="text-decoration:none"><b><span style="font-size:14pt">Wells Fargo Mortgage</span></b></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></p> <p style="margin:0in 0in 0.0001pt; text-align:start; -webkit-text-stroke-width:0px"><span style="font-size:medium"><span style="font-family:Calibri, sans-serif"><span style="caret-color:#000000"><span style="color:#000000"><span style="font-style:normal"><span style="font-variant-caps:normal"><span style="font-weight:normal"><span style="letter-spacing:normal"><span style="orphans:auto"><span style="text-transform:none"><span style="white-space:normal"><span style="widows:auto"><span style="word-spacing:0px"><span style="-webkit-text-size-adjust:auto"><span style="text-decoration:none"></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></p> <p style="margin:0in 0in 0.0001pt; text-align:start; -webkit-text-stroke-width:0px"><span style="font-size:medium"><span style="font-family:Calibri, sans-serif"><span style="caret-color:#000000"><span style="color:#000000"><span style="font-style:normal"><span style="font-variant-caps:normal"><span style="font-weight:normal"><span style="letter-spacing:normal"><span style="orphans:auto"><span style="text-transform:none"><span style="white-space:normal"><span style="widows:auto"><span style="word-spacing:0px"><span style="-webkit-text-size-adjust:auto"><span style="text-decoration:none"><a href="https://www.wellsfargo.com/mortgage/" style="color:#954f72; text-decoration:underline">https://www.wellsfargo.com/mortgage/</a></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></p> <p style="margin:0in 0in 0.0001pt; text-align:start; -webkit-text-stroke-width:0px"><span style="font-size:medium"><span style="font-family:Calibri, sans-serif"><span style="caret-color:#000000"><span style="color:#000000"><span style="font-style:normal"><span style="font-variant-caps:normal"><span style="font-weight:normal"><span style="letter-spacing:normal"><span style="orphans:auto"><span style="text-transform:none"><span style="white-space:normal"><span style="widows:auto"><span style="word-spacing:0px"><span style="-webkit-text-size-adjust:auto"><span style="text-decoration:none"></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></p> <p style="margin:0in 0in 0.0001pt; text-align:start; -webkit-text-stroke-width:0px"><span style="font-size:medium"><span style="font-family:Calibri, sans-serif"><span style="caret-color:#000000"><span style="color:#000000"><span style="font-style:normal"><span style="font-variant-caps:normal"><span style="font-weight:normal"><span style="letter-spacing:normal"><span style="orphans:auto"><span style="text-transform:none"><span style="white-space:normal"><span style="widows:auto"><span style="word-spacing:0px"><span style="-webkit-text-size-adjust:auto"><span style="text-decoration:none"><b><span style="font-size:14pt"> </span></b></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></p> <p style="margin:0in 0in 0.0001pt; text-align:start; -webkit-text-stroke-width:0px"><span style="font-size:medium"><span style="font-family:Calibri, sans-serif"><span style="caret-color:#000000"><span style="color:#000000"><span style="font-style:normal"><span style="font-variant-caps:normal"><span style="font-weight:normal"><span style="letter-spacing:normal"><span style="orphans:auto"><span style="text-transform:none"><span style="white-space:normal"><span style="widows:auto"><span style="word-spacing:0px"><span style="-webkit-text-size-adjust:auto"><span style="text-decoration:none"><b><span style="font-size:14pt">Bank of America Mortgage</span></b></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></p> <p style="margin:0in 0in 0.0001pt; text-align:start; -webkit-text-stroke-width:0px"><span style="font-size:medium"><span style="font-family:Calibri, sans-serif"><span style="caret-color:#000000"><span style="color:#000000"><span style="font-style:normal"><span style="font-variant-caps:normal"><span style="font-weight:normal"><span style="letter-spacing:normal"><span style="orphans:auto"><span style="text-transform:none"><span style="white-space:normal"><span style="widows:auto"><span style="word-spacing:0px"><span style="-webkit-text-size-adjust:auto"><span style="text-decoration:none"></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></p> <p style="margin:0in 0in 0.0001pt; text-align:start; -webkit-text-stroke-width:0px"><span style="font-size:medium"><span style="font-family:Calibri, sans-serif"><span style="caret-color:#000000"><span style="color:#000000"><span style="font-style:normal"><span style="font-variant-caps:normal"><span style="font-weight:normal"><span style="letter-spacing:normal"><span style="orphans:auto"><span style="text-transform:none"><span style="white-space:normal"><span style="widows:auto"><span style="word-spacing:0px"><span style="-webkit-text-size-adjust:auto"><span style="text-decoration:none"><a href="https://www.bankofamerica.com/" style="color:#954f72; text-decoration:underline">https://www.bankofamerica.com</a></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></p> <p style="margin:0in 0in 0.0001pt; text-align:start; -webkit-text-stroke-width:0px"><span style="font-size:medium"><span style="font-family:Calibri, sans-serif"><span style="caret-color:#000000"><span style="color:#000000"><span style="font-style:normal"><span style="font-variant-caps:normal"><span style="font-weight:normal"><span style="letter-spacing:normal"><span style="orphans:auto"><span style="text-transform:none"><span style="white-space:normal"><span style="widows:auto"><span style="word-spacing:0px"><span style="-webkit-text-size-adjust:auto"><span style="text-decoration:none"></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span><span style="font-size:medium"><span style="font-family:Calibri, sans-serif"><span style="caret-color:#000000"><span style="color:#000000"><span style="font-style:normal"><span style="font-variant-caps:normal"><span style="font-weight:normal"><span style="letter-spacing:normal"><span style="orphans:auto"><span style="text-transform:none"><span style="white-space:normal"><span style="widows:auto"><span style="word-spacing:0px"><span style="-webkit-text-size-adjust:auto"><span style="text-decoration:none"></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></p> 41