These rates are valid for the date shown below only. rates are subject to change and can change daily. we have rates available from 0 points and 0 closing costs all the way to 1 or 1.5 points with closing costs. Some rates and/or programs may have loan amount restriction. If you do not find a rate or program listed below, please call our office at (800)868-8000 for a current quote .please remember you will have a licensed loan officer assist you through the entire loan process.