Conditions (Assumptions)

Rates, points, fees & APRs as shown are based on the following:

  • Single Family Residence
  • Owner - Occupied primary residence
  • Credit Score of 720 and above
  • Loan-to-Value ratio of 60% or less
  • Full documentation of Income and assets
  • Refinance or Purchase
  • Escrow/impound of property taxes and hazard insurance may be required
  • Lock period of 30 days
  • Minimum loan amount of $300,000

Rates may vary based on different loan products, geographic restrictions, loan amount (if less than $300,000 and above $417,000) and/or if any changes of the loan attributes above are not satisfied. Please call in for further clarification. Rates are subject to underwriting approval and are subject to change without any notice due to market conditions and other limitations. Fees advertised do not include any third-party cost such as "Appraisal fees, and costs related Title and escrow" Please consult your mortgage advisor for a third-party costs such as appraisal fees and costs related title and escrow. Please consult your mortgage advisor for a third-party costs estimate. Loans advertised as "No closing cost loan" assumes that all cost will be paid by broker but taxes and insurance. Please consult the Mortgage advisor for further details.


Annual Percentage Rate (APR) is based on loan amount of $250,000 for conforming loan or $600,000 for jumbo loans. APR also assumes 15 days of prepaid interest.


This is not an advertisement for credit as defined by paragraph 226.24 of regulation Z.


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Customer Reviews

  • I just refinanced in October with a different company and it took 2 months to do and was a pain. I had to think long and hard about refinancing again. I was highly impressed with Vibhu Grover. He was very attentive. He would answer questions when I emailed him at 2am. A couple minutes later, I would have an answer. He puts his customers first. I was highly impressed and would use Vibhu Grover again. I was very pleased and have recommended him to others already!

    — Terri | St. Peters, Missouri
  • Received a great rate on a 15 year fixed with the best closing costs I could find. Closing was quick and painless. Thanks!

    — Andi | St. Charles, Missouri
  • Always responded promptly when I had questions and kept me up to date on everything that was happening throughout the purchase transaction. Vibhu was at closing and made me feel at ease. He made sure that all my questions were answered. US Wide Financial is a great company. They care about the people and believe in the business. That's hard to find these days. Thanks for everything.

    — Diana | Chesterfield, Missouri
  • I just wanted to thank you again for all your help with my refinance. It was the smoothest loan process I have ever experienced and think you and your company will do awesome if everyone handles the process like you did.

    — Patti | Kansas City, Missouri
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