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Offer applies to origination fees only; third party fees may apply. Annual Percentage Rate (APR) each borrower will pay will vary based on their creditworthiness and loan term. Rates are subject to change. First-time homebuyer program is available for borrowers who have not owned a property in the last three years and are intending to occupy the property. Example for first-time homebuyer: 30 year term, loan amount of $100,000, maximum of 97% Loan-to-Value, 5.258% APR as of 1/16/19, 360 Payments of $514.14 a month. Actual payment obligations may be greater due to taxes and insurance premiums. Offer is available for a limited time only. Restrictions may apply.