APR=Annual Percentage Rate. 30-year fixed rate loan payment example: 3.500% interest rate with 0 points, 3.589% APR, loan amount of $417,000, payments for months 1 -359 would be $1,872.52 with one final payment of $1,870.20. Example based on owner-occupied, single family residence, no cash out refinance in California. Additional terms at this rate are based on a 60% Loan to Value ratio and 740 representative credit score. Loans subject to borrower and property qualifications, not all applicants may be approved. Rate and terms as of February 12, 2016; subject to change without notice.