*The Annual Percentage Rate is based on a single family owner occupied purchase or rate & term home loan with a maximum loan amount of $800,000.00 a 5.375% interest rate, with a cost of $5,544 discount points and a 30 day rate lock, Fixed Rate for 15 Years with a payment of $6,483.72 a 80% Loan to Value, and a minimum credit score of 740.**The Annual Percentage Rate is based on a single family owner occupied purchase or rate & term refinance home loan with a maximum loan amount of $800,000 a 6.25% interest rate, at a cost of $$3,394.00 discount points, a 30 day rate lock, Fixed Rate for 30 Years with a payment of $4,925.00 a 80% Loan to Value, and a minimum credit score of 740 . **** The rates and annual percentage rate (APR) will vary depending upon the actual down payment percentages, points and fees for your transaction. The rates quoted are for home Purchase or Rate & Term Refinance loans. Refinance cash out loans may have a higher rate. The rates may change or not be available at commitment or closing or may be subject to product restrictions. Rates advertised are as of July, 6 2025. Rates are subject to change without notice. No cost appraisal provided appraisal waiver is allowed. No Escrows are allowed on loans with a maximum 80% LTV. North Atlantic Mortgage Corp. 18 Kitchawan Rd., Pound Ridge NY 10576. CT Mortgage Broker CT Department of Finance. MORTGAGE BROKER ONLY, NOT A MORTGAGE LENDER OR MORTGAGE CORRESPONDENT LENDER NMLS #1375 & 42481. * Registered Mortgage Broker NYS Department of Finance, Loans arranged through third party providers.