Terms of the special advertised 10 yr fixed program:
This program is only applicable to California properties with loan amounts of up to $417,000. All rates and terms are subject to underwriter approval; not all applicants will qualify. Rates and fees may vary depending upon property's location. The Annual Percentage Rate is calculated based upon a fully documented rate and term refinance transaction (no cash-out) on a single family home which is detached, owner-occupied, non-rural and non-complex, with a loan amount of minimum $350,000 and loan to value ratio of less than 60%. Taxes and insurance must be impounded. Borrower(s) must have median FICO score of 740 or higher. Taxes and insurance charges not included. Rate not locked is subject to change without notice. Subordination of an existing loan may result in additional fees. Any appraisal fee must be paid upfront by the borrower. Guardian Capital will refund the appraisal fee within 21 days after disbursement of loan. Appraisal is not refundable if loan is declined or if service is rendered and the loan is canceled. For qualifying refinance transactions a lender credit will be issued and disclosed on the Good Faith Estimate to cover origination and third party charges. The charges that qualify for a lender credit are: Credit report fees, title insurance, escrow & recording fees, flood certification fee and sign up fees. Guardian Capital is not responsible and will not issue credit for the following charges: Subordination fees, HOA certification fees, prepaid interest, mortgage insurance, escrow deposits, additional document preparation fees resulting from vesting changes, transfer taxes and any charges by the holder of the current note. More restrictions may apply. APR on this loan is eaqual to the advertised rate. Licensed by California Department of Corporations CFL License #603H808; NMLS # 272223;

Terms of the special advertised 30 yr fixed program:
This program is only applicable to California properties with loan amounts of up to $417,000. All rates and terms are subject to underwriter approval; not all applicants will qualify. Rates and fees may vary depending upon property's location. The Annual Percentage Rate is calculated based upon a fully documented rate and term refinance transaction (no cash-out) on a single family home which is detached, owner-occupied, non-rural and non-complex, with a loan amount of minimum $350,000 and loan to value ratio of less than 60%. Taxes and insurance must be impounded. Borrower(s) must have median FICO score of 740 or higher. Taxes and insurance charges not included. Rate not locked is subject to change without notice. Subordination of an existing loan may result in additional fees. Any appraisal fee must be paid upfront by the borrower. For qualifying refinance transactions a lender credit will be issued and disclosed on the Good Faith Estimate to cover origination and third party charges. The charges that qualify for a lender credit are: Credit report fees, title insurance, escrow & recording fees, flood certification fee and sign up fees. Guardian Capital is not responsible and will not issue credit for the following charges: Subordination fees, HOA certification fees, prepaid interest, mortgage insurance, escrow deposits, additional document preparation fees resulting from vesting changes, transfer taxes and any charges by the holder of the current note. More restrictions may apply. APR 4.129%. Licensed by California Department of Corporations CFL License #603H808; NMLS # 272223;