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The Annual Percentage Rate (APR) is determined based on different loan amounts and types. For conforming, FHA, and VA loans, the APR is calculated based on a loan amount of $400,000. All rates are based on approximately 0.999 to 1.149 discount points paid by the borrower. The APR assumes no increase in the financial index. However, after a fixed period, your interest rate and monthly payment may increase based on market index fluctuations. CMG Home Loans DBA The Naranjo Group is an equal housing opporunity. NMLS 1820. Loans made or arranged pursuant to California Finance Lenders License No 4150025. Licensed by the Department of Financial Protection and Innovation (DFPI) under the California Residential Mortgage Lending Act No. 41DBO-156930. AZ License # 0903132 Regulated by the Division of Real Estate. Registered Mortgage Company with the Texas Department of Savings and Mortgage Lending to Verify our complete list of state licenses, please visit Licensing and NMLS Consumer Access. Or view our Privacy Notice Privacy Policy The Naranjo Group | 3160 Crow Canyon Rd Ste 400, San Ramon, CA 94583 | 1820