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*Terms and Conditions Apply - Rate referenced above is guidance and is based on available rates from our lender network as of Dec 22, 2024 2.75% (2.338% APR) for a 5/1 adjustable rate refinance, a loan amount of $200,000 in California, zero discount points, at least 20% equity in the subject property, a single-family home, primary residence, very good credit score (700-739) and verifiable income for the borrower(s). Rates mentioned in any advertising are guidance and are based on a sampling of available rates from our lender network. middleclassmortgage.com is not a lender. Specific rates and terms offered to our applicants by specific lenders and providers within the network may vary, though our lenders and providers understand they are in a competitive environment and offer highly-competitive rates directly to our applicants. Rates are subject to change daily without notice. Not available in all states. Payment amounts shown do not include taxes or insurance.

**Actual mortgage payments will vary based upon your individual situation and current interest rates, and these loan terms assume you pay all closing costs out of pocket. This loan may not be available in all states, and not all consumers will qualify for these monthly payment terms. Other restrictions may apply. Until you lock your rate, APR and terms are subject to change without notice.