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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 $450,000. All rates are based on approximately 0.814 to 1.609 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. EVO Home Loans, LLC DBA EPiQ Lending™ is an equal housing opporunity. NMLS 1936984. Loans made or arranged pursuant to California Finance Lenders License No 60DBO-109420. Licensed by the Department of Financial Protection and Innovation (DFPI) under the California Residential Mortgage Lending Act No. 41DBO-156930. AZ License # 1008731 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 EPiQ Lending™ | 7975 N Hayden Rd, St A101, Scottsdale, AZ 85258 | 1936984