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 a owner-occupied single family residence. Jumbo loans are based on loan amounts of $726,201. 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 are valid as of the date of publication as displayed on the rate table. 

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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