INTEREST RATE DISCLOSURE
Rates, points and programs cannot be guaranteed and are subject to change without
notice. This is not an advertisement for credit as defined by paragraph 226.24
of regulation Z. Maximum Loan amount for a conforming loan is $417,000. Jumbo
is a loan amount in excess of $417,000. Rates and APR's are based on amounts
of $150,000 for Conforming Loans. Prices are based on a purchase or rate/term
refinance loan with a 21 day Lock, 80%LTV, 1 Point and may take into account
other pricing adjustments. The Line of Credit program is an adjustable rate
program based upon an index (Prime) minus a Margin (.50%) and adjusts monthly.
GAM has over 200 other loan programs available to it’s customers.
The APR (the cost of credit at a yearly rate and taking into all costs associated with this loan as defined by regulation Z) for today's quotes are:
30 Year Fixed APR: 6.6953%
15 Year Fixed APR: 6.5693%
Home Equity Line of Credit: 7.8312% APR
Your rate could be higher or lower depending upon credit, income, equity and other loan qualifying factors. To get an exact quote tailored to your needs please APPLY ONLINE.
PRIVACY DISCLOSURE
We may collect non-public personal information about you from the following
sources:
We do not disclose any non-public personal information about you to anyone, except as permitted by law.
To maintain security of customer information, we restrict access to your personal and account information to persons who need to know that information to provide you products or services. We maintain physical, electronic and procedural safeguards that comply with federal standards to guard your non-public personal information.
If you decide to close your account(s) or become an inactive customer, we will adhere to the privacy policies and practices as described in this notice.