Mortgage Product Disclosures
FOR ALL LOANS: All loans subject to underwriting approval. Certain credit and income restrictions apply. Call Onshore Mortgage, LLC. for details.
Annual Percentage Rates shown as of January 8th, 2026 and are subject to change without notice.
All scenarios assume a median credit score of 740 or higher.
For specific loan scenario questions please reach out to your Onshore Mortgage mortgage advisor.
APR = Annual Percentage Rate
CONVENTIONAL 30 Year Fixed: Loan amount $300,000 at 6.512% “Note Rate” and 6.6793% APR, 20% down, monthly payment without taxes and insurance is $1,898.57. Please refer to the Conventional Loans webpage for product information.
FHA 30 Year Fixed: Base loan amount $361,875, plus upfront MIP of $6,332.81 at 5.525% “Note Rate” and 5.8764% APR, 3.5% down, monthly payment without taxes and insurance is $2,096.42. FHA monthly PMI is $164.85. Onshore Mortgage, LLC is mortgage broker funding loans through FHA approved lending institutions and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. Please refer to the FHA Loans webpage for product information.
VA 30 Year Fixed: Loan amount $300,000 at 5.572% “Note Rate” and 5.7278% APR, 0% down, (Example is with EXEMPT funding fee) monthly payment without taxes and insurance is $1,716.94. Onshore Mortgage, LLC is mortgage broker funding loans through VA approved lending institutions and is not acting on behalf of or at the direction of HUD/VA or the Federal government. Certificate of Eligibility required for all VA loans. If not exempt from funding fee then please refer to the current VA Funding Fee chart provided by The Department of Veteran Affairs. Please refer to the VA Loans webpage for oriduct information.
USDA 30 Year Fixed: Loan amount $300,000 plus 1% Upfront Guarantee Fee ($303,030) at 5.606% "Note Rate" and 5.858% APR, 0% down, monthly payment without taxes and insurance is $1,740.78. USDA Monthly Premium is $87.85. Onshore Mortgage, LLC is mortgage broker funding loans through USDA approved lending institutions and is not acting on behalf of or at the direction of the USDA or the Federal government. FOR NO DOWN PAYMENT OR 100% FINANCING: Borrowers income is limited to 115% of median income for the area. Borrowers must have reasonable credit history and a 620 minimum fico score. 30-year loan term. Housing costs cannot exceed 29% of income; total debt payments cannot exceed 41% of income. The property must meet state and HCFP building codes. Available only in rural areas only. Please refer to the USDA Loans webpage for product information.
JUMBO 30 Year Fixed: Loan amount $800,000 at 7.625% “Note Rate” and 7.7403% APR, 20% down, monthly payment without taxes and insurance is $5,662.35. Please refer to the Jumbo Loans webpage for more product information.
ASSET ONLY 30 Year Fixed: Loan amount $300,000 at 6.875% “Note Rate” and 7.0574% APR, 20% down, 740 credit score, monthly payment without taxes and insurance is $1,970.79. Please refer to the Asset Only Loans webpage for product information.
Home Construction 30 Year Fixed: Loan amount $475,000 at 7.681% “Note Rate” and 7.9023% APR, 5% down, 740 credit score, monthly payment without taxes and insurance is $3,040.40. Monthly PMI estimate is $114.79. Please refer to the Construction Loans webpage for product information.
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The information contained in this site has been prepared by an independent third party and is distributed for educational purposes only. This is designed to give helpful tips on the mortgage process and is not intended to give legal advice.
Information is considered reliable but not guaranteed. This is not a pre-qualification, pre-approval, loan approval or commitment to lend. We arrange but do not make loans.