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The interest rates, annual percentage rates (APRs), and discount points shown are subject to change without notice. to change without notice. Your APR will vary based on your final loan amount and finance charges

How are interest rates determined? How do we provide the lowest rates possible? What is an adjustable rate mortgage? Should I pay discount points in exchange for a lower interest rate? Is comparing APRs the best way to decide which lender has the lowest rates and fees?