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Mortgage APR Examples

The following are representative APR examples of products available through SunTrust Mortgage, Inc.

In addition to discount points provided, the APR also includes an average of costs a borrower would pay for tax service, flood hazard determination and closing-related services, as permitted by regulation and law.  Other charges may include, as applicable to the loan program and permitted by regulations, those for appraisals, credit reports, title insurance and other miscellaneous costs.  We will be happy to provide you with specific information on your transaction upon your request.

The following Annual Percentage Rate (“APR”) examples are for a typical transaction and are only examples. Please call 877.907.1043, email us or find a loan officer serving your community to learn more about a specific APR for your transaction.

Agency fixed rates are based on a loan amount of $200,000, credit score of 720 and 20% down payment.

Agency 30 Year Fixed

Interest Rate
3.490%
APR
3.6009%
Origination Fee
0.0%
Points
0.506

Estimated Payment

Amount

Rate

Months

$896.98
3.490%
359
$892.75
3.490%
1

Disclaimer

Monthly payments shown are principal and interest only and do not include PMI, taxes, insurance or other applicable escrows. Actual payment obligation will be greater.

Agency fixed rates are based on a loan amount of $200,000, credit score of 720 and 20% down payment.

Agency 15 Year Fixed

Interest Rate
2.900%
APR
3.0434%
Origination Fee
0.0%
Points
0.190

Estimated Payment

Amount

Rate

Months

$1371.57
2.900%
179
$1370.39
2.900%
1

Disclaimer

Monthly payments shown are principal and interest only and do not include PMI, taxes, insurance or other applicable escrows. Actual payment obligation will be greater.

Jumbo rates are based on a loan amount of $500,000, credit score of 720 and a 25% down payment with relationship incentive.

Jumbo 30 Year Fixed

Interest Rate
4.100%
APR
4.1405%
Origination Fee
0.0%
Points
0.011

Estimated Payment

Amount

Rate

Months

$2416.00
4.100%
359
$2410.25
4.100%
1

Disclaimer

Monthly payments shown are principal and interest only and do not include PMI, taxes, insurance or other applicable escrows. Actual payment obligation will be greater.

Agency ARM rates are based on a loan amount of $200,000, credit score of 720 and 20% down payment. Adjustable rate mortgages have interest rates which are subject to increase after consummation.

Agency 30 Year 5/1 ARM

Interest Rate
3.100%
APR
3.5940%
Origination Fee
0.0%
Points
0.027

Estimated Payment

Amount

Rate

Months

$854.03
3.100%
60
$915.86
3.100%
299
$911.36
3.100%
1

Disclaimer

Monthly payments shown are principal and interest only and do not include PMI, taxes, insurance or other applicable escrows. Actual payment obligation will be greater.Adjustable rate mortgages have interest rates which are subject to increase after consummation.Estimated future payments shown are based on current index plus margin (LIBOR plus 2.25%). Actual payments will reflect then-applicable index/margin at each re-pricing interval, which may be higher than the estimates shown above.

Agency ARM rates are based on a loan amount of $200,000, credit score of 720 and 20% down payment. Adjustable rate mortgages have interest rates which are subject to increase after consummation.

Agency 30 Year 7/1 ARM

Interest Rate
2.990%
APR
3.4851%
Origination Fee
0.0%
Points
0.172

Estimated Payment

Amount

Rate

Months

$842.13
2.990%
84
$908.94
2.990%
275
$907.02
2.990%
1

Disclaimer

Monthly payments shown are principal and interest only and do not include PMI, taxes, insurance or other applicable escrows. Actual payment obligation will be greater.Adjustable rate mortgages have interest rates which are subject to increase after consummation.Estimated future payments shown are based on current index plus margin (LIBOR plus 2.25%). Actual payments will reflect then-applicable index/margin at each re-pricing interval, which may be higher than the estimates shown above.

FHA rates are based on a loan amount of $200,000, credit score of 660 and a 3.5% down payment.

FHA 30 Year Fixed

Interest Rate
3.400%
APR
4.4711%
Origination Fee
0.0%
Points
0.008

Estimated Payment

Amount

Rate

Months

$820.22
3.400%
348
$712.96
3.400%
11
$708.50
3.400%
1

Disclaimer

Monthly payments shown are principal and interest only and do not include PMI, taxes, insurance or other applicable escrows. Actual payment obligation will be greater.

VA rates are based on a loan amount of $200,000, credit score of 720 and a zero percent down payment. Clients must meet product eligibility criteria for VA Loans.

VA 30 Year Fixed

Interest Rate
3.400%
APR
3.5943%
Origination Fee
0.0%
Points
0.133

Estimated Payment

Amount

Rate

Months

$1127.86
3.400%
359
$1126.01
3.400%
1

Disclaimer

Monthly payments shown are principal and interest only and do not include PMI, taxes, insurance or other applicable escrows. Actual payment obligation will be greater.

VA rates are based on a loan amount of $200,000, credit score of 720 and a zero percent down payment. Clients must meet product eligibility criteria for VA Loans.

VA 15 Year Fixed

Interest Rate
3.125%
APR
3.3654%
Origination Fee
0.0%
Points
0.058

Estimated Payment

Amount

Rate

Months

$1759.83
3.125%
179
$1758.30
3.125%
1

Disclaimer

Monthly payments shown are principal and interest only and do not include PMI, taxes, insurance or other applicable escrows. Actual payment obligation will be greater.

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