Wave Optimizer Loan

• Up to 12 Years
• No Points
• No Closing Costs

*Example Optimizer rate of 4.875% APR available for qualifying properties, first lien position equity, with a loan-to-value (LTV) of 80% or less, and a maximum repayment period of 144 months. Advertised APR is lowest available on 6/15/22. Other rates and terms available. Property insurance (and flood insurance if applicable) required. Rates subject to change without notice. Account subject to individual approval. 1-4 family owner-occupied primary residence properties only. Repayment example: $9.19 per $1,000 borrowed, based on 4.875% APR, 144 monthly payments. Equal Housing Lender. Current borrowers can refinance with $20,000 in new money. A minimum credit score of 640 is required for all borrowers. NMLS#456114