Mortgage Without the MysterySM

Watch our Commercial

Buying a home is exciting.
We make your loan transaction as
fast, easy and transparent as possible.


With rates this low, now could be
a great time to refinance your home.

But "No Closing Costs2" means different things to different lenders, making a simple phrase very mysterious.


In order to process and fund your loan, other lenders may ask you to pay these closing costs covered in Fremont Bank's No Closing Cost2 program...

  • Appraisal Fee
  • Credit Report Fee
  • Reconveyance Tracking Fee
  • Lenders Title Insurance Fee
  • Courier Expense Fee
  • Wire Fee*
  • Points Fee
  • Tax Service Fee
  • Loan Origination Fee
  • Loan Documentation Fee
  • Escrow Fee
  • Notary Fee*
  • Recording Fee*
  • Flood Certification & Monitoring Fee
*Fremont Bank Documents Only

These customary closing fees can add up quickly!

Rates as
low as  3.250% APR1

With Fremont Bank's No Closing Cost2 program, we remove the mystery. You don't pay those customary fees normally paid at closing.

With refinance rates as low as 3.250% APR1, refinance now. Keep more money in your wallet.3


Fremont Bank's No Closing Cost Loans2.
Mortgage Without The MysterySM

Call 877-403-6382 to learn about our No Mystery MortgagesSM
Learn More
Buy a Home Refinance a Mortgage Access Home Equity
Request a Free
No Obligation Consultation

Request a Contact

( ) -

Loan assumptions and Disclosures

Rates and terms valid as of 1/15/2021 8:47 AM and subject to change without notice.

Loan data is for informational purposes only, and is based on owner occupied single-family homes only. The actual fees, costs and monthly payment on your specific loan transaction may be higher or lower than those quoted based on your information, which may be determined after you apply. This is not a credit decision or a commitment to lend. Loan interest rates are based on current market rates, are subject to pricing adjustments related to several factors including, but not limited to, property type and location, loan amount, loan type, loan-to-value, occupancy type, borrower credit history. Mortgage insurance may be required if loan-to-value (LTV) is higher than 80% which could increase the monthly payment and APR.

Adequate property insurance (which may include flood insurance) is required. Borrower responsible for insurance requirements and applicable state, county, city taxes which can be substantial. Additional loan programs may be available. Other restrictions may apply.

1 The annual percentage rate (APR), is the cost of credit over the term of the loan expressed as an annual rate. The APR above based on interest rate, loan origination fees and applicable closing costs and does not take into account other loan specific finance charges you may be required to pay. Actual rate will be determined after receipt of completed application and prior to execution of loan documents. Rate lock may not be available until final loan approval; fee may apply.

2 No Closing Cost loans are subject to terms and conditions of Fremont Bank's Application Fee Agreement, which lists the specific costs and fees the borrower will not pay. An application fee may be required after a loan application is submitted, which will be refunded as a credit on your HUD-1 at closing. Application fee is non-refundable if your loan is denied, withdrawn or does not close for any reason. Borrower is responsible for paying all fees and charges imposed by brokers or an existing third party lender (for example, payoff demand statement fee and/or a reconveyance fee) as well as any prepayment penalty imposed by any third party lender or Fremont Bank. Loans with lower nominal interest rates may be available to borrower willing to pay points and fees.

3 Refinancing to lower your monthly payment may extend the number of monthly payments and/or the total amount paid when compared to your current situation. Other loan programs are also available. If you are a servicemember on active duty, prior to seeking a refinance of your existing mortgage loan, please consult with your legal advisor regarding the loss of any benefits you are entitled to under the Servicemembers Civil Relief Act or applicable state law.

Loans available for properties located in AZ, CA, NV, or OR. Rates may not be available in all areas. Actual rates may vary. Loans subject to credit qualifications and underwriting requirements. Property type and other restrictions may apply. Other loan programs available. Call for terms and cost details. Refers to program 120.