* A customer must provide a complete, system generated Good Faith Estimate, listing a specific  lender's name, that is dated the same day as the rate quoted by us. If such Good Faith Estimate indicates  an  equivalent  or  lower  interest  rate  and  closing costs package, for the same loan  program that is offered by us and we have verified the accuracy of the rate and fees listed  then  we will have the option of beating that lender's total loan costs by  $100 or paying the customer  $500  when they close with that lender and provide us with a copy of the signed Note and Final  HUD-1 Settlement Statement. **The APR calculation is based on the loan amount, downpayment, property type and loan term that you have selected, estimated prepaid finance charges of $820. plus points shown, 15 days of prepaid interest and a 60 day lock. The prepaid finance charges of $820 reflects lender fees and does not take into account title, survey, transfer tax, other third party fees, or prepaid taxes and insurance. Interest rates are subject to change without notice. Estimated Cash needed to close reflects lender fees only.