Rate scenarios are based on a Primary Residence Purchase transaction with a $200,000 conforming loan amount or $800,000 Jumbo loan amount, 780 credit score, DTI of 40% or less, and 20% down payment. Rates and fees may vary and are based on credit history, down payment, property type, and other factors associated with your loan application. Loans with less than 20% down payment may require private mortgage insurance. Rates vary based on market conditions and are subject to intraday market changes. Rates based on a 30 day rate lock.