*Annual Percentage Rate. Rate is accurate of 01/15/2020. The rate of 2.99% reflects having monthly payments auto-debited from a Virginia Commonwealth Bank deposit account. If you do not qualify for auto-debit, the rate will be 3.12%. APR may increase after consummation. This is not a commitment to lend. Prices and guidelines are subject to change without notice. Subject to review of credit and/or collateral; not all applicants will qualify for financing. A representative example if you have an account with Virginia Commonwealth Bank: For a $600,000.00 loan with an annual percentage rate (APR) of 3.018% and a downpayment of 20%. You will make 84 consecutive monthly payments in the amount of $2,526.39. On the 85th payment, your rate could increase by a maximum of 2.5% for a period of 3 year intervals, with a 6% rate cap over the life of the loan. Your rate would never exceed 8.99%. The payment disclosed does not include amounts for tax and insurance premiums, making the actual monthly obligation greater. The loan is subject to credit approval. **Cap is 6% of life of loan. NMLS# 408522. Toll Free: (844) 404-9668.