The payment on a $200,000 15-year fixed rate loan at 3.875% and 75% loan-to-value (LTV) is $1,467 with 1.858 discount points due at closing. This assumes a FICO score greater than 720 on a primary residence and a debt-to-income ratio less than 30%. Interest rate shown with a 30-day lock period. The Annual Percentage Rate (APR) is 4.303%. Payment does not include taxes and insurance; the actual payment amount will be greater. State and county maximum loan amount restrictions may apply. This is for illustration purposes only. Your actual payments will vary based on the specifics of your loan transaction and your credit history. Products not available in all states.