The above numbers are based on the following purchase scenarios in Utah: 740 FICO on a 30 year fixed-rate conventional loan. 20% down payment, owner occupied purchase, terms and conditions apply. Payment includes principal and interest but does not include taxes or insurance. Mortgage insurance not included in payment, but mortgage insurance will be required for the loan and amount will depend on various factors. All loans are subject to credit approval. Loan must close by 12/22/2023. APR is based on a purchase price of 450,000 with 5% down. Buyer must be fully pre-approved by First Colony Mortgage within 2 business days of submitting offer. Condos require an additional .75 origination fee. Offer only applies to approved properties. First Colony Mortgage is an equal housing opportunity lender, NMLS ID 3112.