Interest Rate Information

*These rates are only available when used in conjunction with Encompass Realty and The Encompass Realty preferred mortgage company. Mortgage Broker #0904227

APR -- The APR is the cost of consumer credit as a percentage spread out of the term of the loan.  The APR on this website for rates provided by our preferred mortgage company is the same apr and the rate, because there is no lender costs.                                                                                                      Cost of consumer credit includes any charges as an incident to or a condition of the extension of credit.  It does not include any charge of a type payable in a comparable cash tranasction.  Charges that are included in the APR calculation should be indicated as Prepaid Finance Charges on the Good Faith Estimate.  Please note that certain items such as Mortgage Insurance Premiums effect the APR calculation direclty.

For Adjustable Rate Mortgages, a fully-indexed APR is used that is based on a comparison that is made at each adjustment date of the then current rate plus 2% versus the margin plus the index. As part of this calculation, the index is assumed to remain constant throughout the life of the loan. When the underlying indexes are low, it is possible for the fully-indexed APR to be lower than the starting rate on the loan.

Anti-spam Policy

This sets forth our policy with regard to the use of “Spam” marketing techniques in connection with Internet Marketing. In the event that we deem you to be in violation of these policies, we shall immediately revoke your membership rights and close any active account.

We have a strict policy against spamming. We forbid the sending of unsolicited mass Emails or unsolicited Emails of any kind in connection with the marketing of our programs, products and services.

We reserve the right to terminate your account and participation in our programs “for cause” if we deem you to be in violation of our anti-spamming policies. We also reserve the right to suspend your account and participation pending review upon receipt of any complaint or other evidence that you may be engaging in any spamming activity.

We consider spamming to be any activity whereby you directly or indirectly transmit email messages to any email address that has not solicited such email and does not consent to such transmission. We also consider spamming to constitute posting advertisements in newsgroups in violation of the terms of participation in such newsgroup, that are off topic, or in newsgroups that do not specifically permit advertisements. We also consider it spamming when advertisements are placed on message boards or in chat rooms when they are not permitted by the terms of participation in such message boards and chat rooms.

If you are “spammed” by anyone regarding our products, services, web site, or any other matters, please report this activity to contact@encompassrealty.com