Mortgage loans are originated by Wachovia Mortgage, FSB and are subject to credit approval, verification and collateral evaluation. Products are not available in all areas. Programs, rates, terms and conditions are subject to change without notice. Certain restrictions apply. Please contact us for details.

^{note 1} The standard origination fee is 1% of the mortgage amount or $2,000 on a $200,000 mortgage. The discounted origination fee available through this offer is .75% of the mortgage amount or $1,500 on a $200,000 mortgage. This is a 25% savings of $500. The origination fee on the site reflects a 25% discount on the standard origination fee. The actual dollar amount of your savings will be different depending on the amount of your loan. This offer is limited to one discounted origination fee per loan and can only be redeemed by applying online at the link above or by calling (866) 257-1214. No cash will be provided. This offer is only valid on actual loans closed and will not be credited if the loan is denied or withdrawn. This offer is not valid with any other Wachovia Mortgage offer. Offer is only valid for a limited time and is subject to change without notice. Other restrictions apply.

^{note 2} The actual amount of your cash reward will be approximately $3 per $1,000 in sales price. For example, for a home with a purchase/sales price of $150,000, the actual cash reward that you would receive after the real estate closing is $450. This offer is limited to one reward per home purchase and will not be credited if you do not purchase the property using a network real estate agent. Offer is valid for a limited time and is subject to change without notice. Other restrictions apply. Network services available through, and reward provided by, TotalMove, Inc. Customer is responsible for cost of the actual services provided.

Move Easy with Wachovia cash reward is NOT available for properties purchased or sold in the following states due to state law restrictions: AK, KS, LA, MO, MS, NJ, OK, OR, or the District of Columbia. Certain states, including AL, SD and TN require that incentives be given as either a credit at closing or as a reduction of your real estate commission at or prior to the closing of your real estate transaction.

^{note 3} Homeownership education courses may be required and income limitations may apply. Please contact us for details.

^{note 4} This calculator allows you to select the loan amount and terms you desire and may not represent actual loan amounts or terms offered. Interest rates chosen are not representative of actual programs or rates available. Actual loan terms and interest rates may be obtained from the See More Rates page or from a Wachovia mortgage specialist. Figures used for property taxes and insurance premiums are based on estimated averages and actual taxes and premiums available to you may be much higher or lower, depending on your actual circumstances.

^{note 5} Loans with longer terms may increase the total number of monthly debt payments, as well as the aggregate amount paid over the mortgage term as compared to loans with shorter terms.

^{note 6} The monthly payment includes principal and interest payments only, based on the loan terms you choose. Required monthly escrows for taxes and insurance are not included. The potential home price displayed is based on information you entered and is provided for illustrative purposes only. If your down payment or home's equity is less than 20% of the purchase price or appraised value, whichever is applicable, Private Mortgage Insurance may be required and will increase your monthly payment and APR, potentially decreasing the loan amount for which you would qualify. You must first apply to be considered for a mortgage loan. This is not a commitment to lend. Please contact us for more information.