Rates may vary based on a variety of factors including, but not limited to, loan size, loan purpose, loan-to-value ratio, credit score, occupancy, property type and subordinate financing. Rates may also vary at any time during the day based on market conditions.

Annual Percentage Rate (APR) is the annual cost of a loan to a borrower. Like an interest rate, an APR is expressed as a percentage. Different than an interest rate, however, it includes other charges or fees such as mortgage insurance, most closing costs, points and loan origination fees to reflect the total cost of the loan.

Payment examples and loan disclosures

Products, terms, and conditions subject to change. Subject to standard credit criteria.

Property insurance is required. Flood insurance is required if property is in a designated flood zone of ‘A’ or ‘V’.

Raymond James Associates, Inc., and your Raymond James Financial Advisor do not solicit or offer residential mortgage products and are unable to accept any residential mortgage loan applications or to offer or negotiate terms of any such loan. You will be referred to a qualified Raymond James Bank employee for your residential mortgage lending needs.

The proceeds from a Mortgage cannot be (a) used to purchase or carry securities; (b) deposited into a Raymond James investment or trust account; (c) used to purchase any product issued or brokered through an affiliate of Raymond James, including insurance; or (d) otherwise used for the benefit of, or transferred to, an affiliate or Raymond James.