Rates are subject to change without notice. 

The rates displayed on this page are available to borrowers who qualify based on MSCC’s standard underwriting criteria, including loan-to-value, property type, credit worthiness, with credit scores of 720 or higher, who provide full documentation, and with a loan-to-value ratio of 80% or less on their primary residence. (The loan-to-value [LTV] ratio is calculated by dividing the loan amount by the lesser of the purchase price or the appraised value of the property.)  Higher rates apply to borrowers with credit scores lower than 720. The APR calculations on first mortgage products above assume a $295 application fee, a $495 processing fee, and a $395 underwriting fee (in states where applicable), but do not include appraisal fee, credit report fee, title charges, settlement services, tax service fees, and recording fees. On adjustable-rate loans, the APR can increase after loan closing. Minimum loan size for all first mortgage loans is $50,000.  For additional information, please call the Preferred Service Loan Center at 800-473-5584. For Iowa residents: please call for current rates and terms.

For more information, please see our Important Disclosure Information section. 
The rates and fees listed assume that the loan application is made by a U.S. citizen or permanent resident for a purchase or no-cash-out refinance of a first mortgage on a single-family dwelling, condominium or townhome in the continental United States which will be used as the applicant's primary residence.  For current rates applicable to loans secured by other property types (for example, multifamily, cooperatives, second homes, or investment property), loan amounts greater than the current maximum tiers displayed here, or Cash out Refinances, please call the Preferred Service Loan Center at 800-473-5584.