Fees & charges apply and may vary by product and State. Subject to underwriting approval. Application required; not all applicants will be approved. Full documentation & property insurance required. Loan secured by a lien against your property. Consolidating or refinancing debts may increase the time and/or the finance charges/total loan amount needed to repay your debt. Taxes & insurance extra. Terms, conditions & restrictions apply. Advertised rate assumes: 30-year, fixed-rate, 1st lien, rate and term refinance mortgage on an owner-occupied, single-family residence; loan amount of $240,000; loan-to-value ratio of 80%; credit score of 721; DTI of less than 45%; and monthly escrowing of taxes & insurance.