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Truth in Lending Act Disclosures.  The loan programs and interest rates advertised on this website include additional disclosures required under the Truth in Lending Act (TILA).   

Monthly Payments.  The monthly payments advertised on this website include Principal and Interest only but do not include taxes and insurance. Therefore, your actual monthly payments will be higher that the Principal and Interest Payments shown in the TILA disclosures above. 

Annual Percentage Rate (APR).  The APR disclosed is based on the interest rate, points and fees only and does not take into account other loan-specific finance charges you may be required to pay to obtain a mortgage.  

Interest Rates and Loan Programs.  All interest rates and loan programs are actually available when published, however your final qualifying rate and program may change based on specific information you provide to us in the application process.  For example, the interest rate, points and APR may be higher or lower based on a number of factors, such as the, 

  • state of property location 
  • loan amount  
  • loan program 
  • occupancy  
  • property/loan to value 
  • borrower’s credit score and other qualification requirements

Ability to Repay.  Poli Mortgage’s underwriting policy is to comply with the Ability to Repay Rule (ATR).  This means that when you apply for a loan, Poli Mortgage will make a reasonable and good faith determination to make sure that you are able to pay back the loan. Under the rule, we will generally find out, consider, and document the borrower’s income, assets, employment, credit history and monthly expenses. If you apply for an adjustable-rate mortgage (ARM), Poli Mortgage will not just use the introductory rate to determine whether a borrower can repay a loan. For example, if a mortgage has a low interest rate that goes up in later years, Poli Mortgage will make a reasonable effort to figure out if the borrower can pay the mortgage at the higher interest rate. 

FHA Loans.  If you are applying for an FHA loan, you will be required to pay an up-front mortgage insurance premium (MIP), which may be financed, or paid at closing. Additional monthly MIP payments will apply to your monthly loan payments. Other conditions may be required by FHA.   

VA Loans.  Veterans, Servicemembers, and members of the National Guard or Reserve may be eligible for a loan guaranteed by the U.S. Department of Veteran Affairs (VA). Eligible VA Loan Applicants will be required to provide a Certificate of Eligibility (COE) from the VA to proceed with VA loan transactions.  Other restrictions and limitations may apply. 

Loans Subject to Credit, Property and Underwriting Approval.  All mortgage loan applications are subject to credit and property approval, along with other underwriting rules and requirements.  Rates, program terms and conditions are subject to change without notice. Not all products are available in all states or for all amounts. Other restrictions and limitations may apply. 

Tools and calculators.  All tools and calculators provided on our website are included for your convenience to help you to have a general idea of your estimated mortgage costs.   

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