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Advertise Below-Market Rates on Your Listing

* Payment example for monthly savings: Home price $449,900, down payment 3.5%, loan amount $434,154, term-30 year, fixed rate 5.625% (APR 6.061%), monthly payment $2,499.23. Monthly payment does not include taxes or insurance. List & Lock rates shown are accurate as of 11/15/2024. Rates can change daily, contact Loan Officer for details.


**Non-discounted rate payment example based on: Rates provided on 11/17/24. Home Price $449,900, Down Payment 3.5%, Loan Amount $434,154, Term, 30 year/fixed rate 7.375% (APR 7.86%), Monthly Payment $2,998.59. Monthly payment does not include taxes or insurance.

Rate Advertised: 5.625% (APR 6.061%)*

Discounted Monthly Payment: $2,499

Non-discounted Rate Payment: $2,999

Monthly Savings: $500



The seller at
1981 Kettle Creek Drive, St. Cloud, FL 34769
has participated in CMG Home Loans List & Lock Program™

Have questions? Reach out to me!

Chase Shaffer

Loan Officer | NMLS# 2256743

(813) 921-3288

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Specific Rate Possibilities By Loan Type >
Conventional
FHA
VA
10/6 ARM

Conventional

Rates based on seller concession

Standard rate with as little as 3% down.

Pricing at 3% seller concession: $13,497.00

To view repayment scenarios, click the numbers on the chart.
FICO
620 640 660 680 700 720 740 760 780
3%
6.875 %
6.750 %
6.625 %
6.625 %
6.625 %
6.500 %
6.500 %
6.375 %
6.375 %
10%
7.125 %
6.875 %
6.750 %
6.625 %
6.625 %
6.500 %
6.500 %
6.375 %
6.375 %
20%
6.990 %
6.875 %
6.625 %
6.625 %
6.500 %
6.500 %
6.375 %
6.375 %
6.250 %
25%
6.625 %
6.500 %
6.500 %
6.375 %
6.375 %
6.250 %
6.125 %
6.125 %
6.125 %
DOWN PAYMENT

*Table is a guide to anticipate pricing for primary residences, for conventional loans only, when seller contribution is applied to today’s pricing. Down payment < 10% have a max contribution of 3%.

* Payment example: Home price $449,900, down payment 25%, loan amount $337,425, term-30 year, fixed rate 6.125% (APR 6.665%), monthly payment $2,050.23. Monthly payment does not include taxes or insurance. List & Lock rates shown are accurate as of 11/15/2024. Rates can change daily, contact Loan Officer for details. Monthly payment does not include taxes or insurance.

FHA

Rates based on seller concession

Standard rate with as little as 3.5% down.

Pricing at 3% seller concession: $13,497.00

To view repayment scenarios, click the numbers on the chart.
FICO
580 600 620 640 700 720 740
3.5%
6.625 %
6.375 %
6.125 %
5.875 %
5.750 %
5.750 %
5.625 %
5%
6.625 %
6.375 %
6.000 %
5.875 %
5.750 %
5.750 %
5.625 %
10%
6.625 %
6.125 %
6.000 %
5.875 %
5.625 %
5.625 %
5.625 %
DOWN PAYMENT

*Table is a guide to anticipate pricing for primary residences, for conventional loans only, when seller contribution is applied to today’s pricing. Down payment < 10% have a max contribution of 6%.

* Payment example: Home price $449,900, down payment 3.5%, loan amount $434,154, term-30 year, fixed rate 5.625% (APR 6.061%), monthly payment $2,499.23. Monthly payment does not include taxes or insurance. List & Lock rates shown are accurate as of 11/15/2024. Rates can change daily, contact Loan Officer for details. Monthly payment does not include taxes or insurance.

VA

Rates based on seller concession

Standard rate with as little as 0% down.

Pricing at 3% seller concession: $13,497.00

To view repayment scenarios, click the numbers on the chart.
FICO
580 600 620 640 700 720 740
0%
6.625 %
6.375 %
6.125 %
5.875 %
5.875 %
5.750 %
5.750 %
5%
6.625 %
6.375 %
6.000 %
5.875 %
5.750 %
5.750 %
5.625 %
10%
6.625 %
6.125 %
6.000 %
5.875 %
5.625 %
5.625 %
5.625 %
20%
6.375 %
6.125 %
5.875 %
5.750 %
5.625 %
5.500 %
5.500 %
DOWN PAYMENT

*Table is a guide to anticipate pricing for primary residences, for conventional loans only, when seller contribution is applied to today’s pricing. Down payment < 10% have a max contribution of 3%.

* Payment example: Home price $449,900, down payment 20%, loan amount $359,920, term-30 year, fixed rate 5.5% (APR 5.995%), monthly payment $2,043.59. Monthly payment does not include taxes or insurance. List & Lock rates shown are accurate as of 11/15/2024. Rates can change daily, contact Loan Officer for details. Monthly payment does not include taxes or insurance.

10/6 ARM

Rates based on seller concession

Standard rate with as little as 5% down.

Pricing at 3% seller concession: $13,497.00

To view repayment scenarios, click the numbers on the chart.
FICO
620 640 660 680 700 720 740 760 780
5%
7.250 %
7.250 %
7.250 %
6.750 %
6.750 %
6.750 %
6.750 %
10%
7.250 %
7.250 %
6.990 %
6.750 %
6.750 %
6.750 %
6.750 %
6.250 %
20%
7.250 %
6.990 %
6.875 %
6.750 %
6.750 %
6.750 %
6.250 %
6.250 %
25%
6.990 %
6.750 %
6.750 %
6.750 %
6.250 %
6.250 %
6.250 %
6.250 %
6.250 %
DOWN PAYMENT

*Table is a guide to anticipate pricing for primary residences, for conventional loans only, when seller contribution is applied to today’s pricing. Down payment < 10% have a max contribution of 3%.

* Payment example: Home price $449,900, down payment 10%, loan amount $404,910, term-30 year, fixed rate 6.25% (APR 6.726%), monthly payment $2,493.10. Monthly payment does not include taxes or insurance. List & Lock rates shown are accurate as of 11/15/2024. Rates can change daily, contact Loan Officer for details. Monthly payment does not include taxes or insurance. Post Introductory Period Example: Interest Rate = SOFR + Margin. Payment can adjust every 6 months. Sample Repayments at month 120 with balance of $341,086.92: 3% Margin, 4.58% SOFR (11/14/24), 7.625% variable rate, $2,773.90 monthly payment. At max interest rate of 11.25% payment is $3,578.88.

This lock cannot be transferred to another property address. It is valid through the above expiration date. While List & Lock™ can help buyers significantly, it is not a guarantee to lend. If a buyer is interested in purchasing the listed home at the advertised rate, they must still qualify for the loan. The benefit is that they won’t have to qualify for the loan based on the market rates; instead, they will be qualifying on the List & Lock™ rate. They will have several loan options to choose from through List & Lock™ -- Conventional, FHA, VA, and select adjustable-rate mortgages (ARMs). The same type of credit and discount can be applied to other loan programs, but rate adjustments could occur. Closing must occur within the 60 day rate lock period, or within the rate lock extension period in order for the seller receive a refund for the rate lock fee. If the lock is extended, the seller must pay a separate non-refundable lock fee for the extension. If you are concerned your closing could extend beyond the 60-day period, contact your loan officer to discuss extension possibilities.