Disclosure

Site Disclosures:
Rates Assumptions:
• Please keep in mind mortgage rates can change daily.
• Actual payments shown vary based on individuals financial situation, credit score, current rate, etc., to name a few.
• 2.625% AD – DISCLOSURE – The advertised loan is a 10 year loan based on an excellent FICO score and on-time payments for full term. RATE accurate as of June 14th
• Conforming loan (Up to 417,000) Annual Percentage Rate (APR) calculations assume a fully documented rate and term refinance with a loan amount of $350,000 on an acceptable owner-occupied, detached, single family residence (SFR) with a loan-to-value ratio (LTV) of less than 60% and an impound account for taxes and insurance. Available first mortgage rates and fees may vary depending upon your property’s location. Restrictions apply.
• Conforming loan (Up to 625,500) Annual Percentage Rate (APR) calculations assume a fully documented rate and term refinance with a loan amount of $500,000 on an acceptable owner-occupied, detached, single family residence (SFR) with a loan-to-value ratio (LTV) of less than 60% and an impound account for taxes and insurance. Available first mortgage rates and fees may vary depending upon your property’s location. Restrictions apply.
• Jumbo loan APR calculations assume a fully documented rate and term refinance with a loan amount of $1,000,000 on an acceptable owner-occupied, detached, SFR with a LTV ratio of less than 60% and an impound account for taxes and insurance. Restrictions apply.
• Government loan APR calculations assume a fully documented rate and term refinance with a loan amount of $350,000 on an acceptable owner-occupied, detached, SFR with a LTV ratio of less than 60% and an impound account for taxes and insurance. Restrictions apply.
• Rates will be higher for loan amounts lower than $350,000 and over $417,000. Rates shown on website assume the borrower(s) FICO according to the chosen Credit Rating-Excellent 740; Good 680; Fair 620. Restrictions apply.
• Adjustable rate mortgage APR calculations are based upon the index and investor based margins.
• Subject to underwriter approval; not all applicants will be approved.
• Bayway Mortgage does not have all the information necessary such as credit rating/score, home appraisal, payment history, etc. to give you the most accurate mortgage payment; rates and payment results may vary from the actual calculation shown.
• Once your personal information has been collected, credit report processed, documentation received as necessary and required by lender for the specific loan, and a rate can be quoted – it may be locked for a period of 45 days.
• Not available in all states.
• Rates are subject to change daily without notice.
• Payment amounts shown do not include taxes or insurance.
Loan Program Disclosures:
“Closing Costs Guaranteed” means that the lender’s fees for your loan application will not change between the time you apply and the time you close, assuming the following: The loan amount does not change, the rate and points option you choose does not change, the loan program you applied for does not change, property value does not change, your choice to establish an escrow account does not change, and any stated items on your application, such as your income, assets, job history, address history, or any other factor that may affect the underwriting decision of the loan you applied for do not change.
“No Hidden Fees” means that Bayway Mortgage Group will disclose any and all fees associated with a loan transaction. A Good Faith Estimate will be provided upon the completion of a loan application as required under applicable law

Marketing Disclosure:
We do collect a small amount of information from users when they visit this site. None of this information can identify a user. We only collect this information to better help the users of this site. We will never sell any information collected on this site to anyone else.