Why Is The Annual Percentage Rate Different on My Truth In Lending Document?

 The Annual Percentage Rate (APR) is the cost of your credit expressed as an annual interest rate.  Points and other prepaid finance charges are factored into the APR to show the true yield on the loan, which is why the APR is often higher than your note rate.  The APR can be compared to the APR on other loan programs to give you a consistent means of comparing rates and programs.

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​Texas Location:

7100 Regency Square Blvd 
Suite # 230-04,
Houston, Texas 77036
Office: 713-300-1008
Fax: 713-893-6080
NMLS # 335991



​Illinois Location:

1727 Ellendale Drive
Northbrook, IL 60062
Office: 847-400-0600
Fax: 847-574-8301
NMLS # 324286
Equal Housing Lender. Figures deemed reliable, but errors may occur. Rates and terms subject to change without notice. This is not an offer to make a loan or to make a loan on any particular terms. All loan applicants must qualify under the underwriting requirements and satisfy all contingencies of loan approval. NMLS # 324286 Regulated by the Texas Department of Savings and Mortgage Lending, 2601 North Lamar, Suite 201, Austin, Texas 78705 - www.sml.texas.gov - In Illinois Regulated by the Department of Financial and Professional Regulation - Division of Banking License # MB.6760918 http://www.idfpr.com/Bankingdefault.asp
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