The principal and interest payment are based on a $400,000, 15-year Fixed-Rate Loan at 1.875% and 75% loan-to-value (LTV). The Annual Percentage Rate (APR) is 2.24% with applicable finance charges. The principal and interest payment does not include taxes and home insurance premiums, which will result in a higher actual monthly payment. Advertised rates and APR Effective as 12/01/2020 11AM EST and are subject to change without notice. Above refinance scenario assumes a first lien position, 740 FICO Score, 30-day rate lock on a primary residence. Approval is subject to underwriting guidelines and applicant’s credit profile. Contact Legacy Mortgage Company for current rates. Rates ONLY available for PA ONLY.