Loan programs and interest rates vary depending on several factors including: Your long term objectives or goals Type of loan desired: Fixed or adjustable rate, conforming or jumbo. Full or limited documentation Length of loan: 40, 30, 25, 20, 15, or 10 year terms Closing cost scenario: No cost, no points, 1 point or more Credit rating Market Conditions

United Capital Mortgage Solutions, Inc. • NMLS#270987 • Laguna Beach, CA 92651-7605 • (949) 290-3831

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