|Fixed Rate Loan||Nicolet's Rate||Annual Percentage Rate (APR)|
|15 Year Fixed (Conforming)||2.625%||2.768%|
|30 Year Fixed (Conforming)||3.375%||3.445%|
Rates last updated on 10/27/2021. Rates are subject to change without notice.
Purchase: Obtaining a mortgage to purchase a home.
Refinance: Refinance of an existing mortgage.
Rates are subject to change without notice. Mortgage assumptions: 15 and 30 year fixed rate agency conforming mortgage pricing is based on our published interest rate on a 15 or 30 year fixed rate term conforming mortgage loan. Rate and Annual Percentage Rate (APR) assume the loan is for an owner-occupied, single family, one-unit purchase transaction at 80% Loan-to-Value (LTV), FICO credit score of 740 or better on a 60 day rate lock with escrows for property taxes and insurance, delivered to Fannie Mae. The disclosed APR includes origination fees and other finance charges. The APR’s disclosed above assume closing costs of $2,000. Your actual closing costs may vary based on your individual transaction. If your down payment is less than 20%, you may be required to obtain Private Mortgage Insurance (PMI) and to escrow for property taxes and insurance. The mortgage payment calculator does not include PMI premiums, property tax escrow amounts or other insurance premium amounts, which will increase your monthly payment obligation.