Rates are calculated with 20% down payment and are based on the respective rate, related fees and associated expenses. Owner occupant rates and fees are subject to change at anytime and are based on a 30-day commitment. Applicable add-ons apply. Subject to credit approval. Other rates and terms available. Payments do not include amounts for taxes and insurance premiums, if applicable, and actual payment obligation may be greater. Not available through mortgage loan originator companies. For real properties located in the State of Hawaii and Guam only.