Advertised rates are for purchase transactions with a minimum 20% down payment. If your down payment is less than 20% of the home’s value, you will be subject to private mortgage insurance, or PMI. All rates are quoted on a minimum FICO score of 740. Conventional loans are based on loan amounts of $400,000 for owner-occupied single family residence. Jumbo loans are based on loan amounts of $647,201. Lock Days: 30-60. Points quoted include discount and/or origination. Payments do not include amounts for taxes and insurance. The APR may increase after consummation and may vary.  VA Mortgages include funding fees based on a loan amount of $165,000 with 5% down payment. The APR on your specific loan may differ from the sample used. Mortgage rates are based on current market conditions and change daily.

Rates, loan products & fees subject to change without notice. Your rate and term may vary. If you do not lock in a rate when you apply, your rate at closing may differ from the rate in effect when you applied. Subject to underwriting approval. 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. Terms, conditions & restrictions apply. Call for details.

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What does a superior mortgage company look like? 

At Linear Home Loans there are No Application Fees, No Lock-in Fees and with No Cancelation Fees there is zero comittment. Our only goal is to find you the best possible loan with the least amount of cost and a completely streamlined process so that you will want to keep coming back for your future home finances. 

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