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Loan Officer Philip Mears Lender Wells Fargo Home Mortgage Logo
Mortgage Information Contact:

Philip J Mears

NMLSR ID 400555
Wells Fargo Home Mortgage
 homeloans.wellsfargo.com/philipmears
 philipmears@wellsfargo.com

 

2225 N Clark St - Appleton, WI
Primary Property Photo
Primary Property Photo

 

$224,900
4
1 Full & 1 Half
1951
1488
$224,900
4
1 Full & 1 Half
1951
1488
Property Presented by:

Jill Coenen

Century 21 Ace Realty
 jill.cornen@c21ace.com
www.c21ace.com
Real Estate Agent Jill Coenen
Ask Jill a Question
Property Presented by:
Jill Coenen
Century 21 Ace Realty
 (920) 841-0462 (M)
 jill.cornen@c21ace.com
 www.c21ace.com
Real Estate Agent Jill Coenen
Ask Jill a Question
Mortgage Payments | Have a Question?
The payments shown assume an Asking Price of $224,900 with a Down Payment of $11,245 and a Loan Amount of $213,655
  Your actual rate, payment and costs could be higher. Get an official Loan Estimate before choosing a loan. Rates shown are based on a credit score of 740. We're here to help. Contact a home mortgage consultant to learn more.
   

30-Year Fixed Rate with BPMI

30-Year Fixed Rate with BPMI

30-Year Fixed-Rate VA

30-Year Fixed-Rate VA

15-Year Fixed Rate with BPMI

15-Year Fixed Rate with BPMI

15-Year Fixed-Rate VA

15-Year Fixed-Rate VA

10/6-Month ARM with BPMI

10/6-Month ARM with BPMI

30-Year Fixed Rate with BPMI Dream. Plan. Home.SM mortgage

30-Year Fixed Rate with BPMI Dream. Plan. Home.SM mortgage

 Loan Amount: $213,655$216,859$213,655$216,859$213,655$213,655
 Down Payment: $11,245$11,245$11,245$11,245$11,245$11,245
   Term (Months): 360360180180360360
   Interest Rate: 6.625%6.250%5.750%5.500%6.500%6.375%
   APR: 7.045%6.488%6.170%5.906%7.160%6.745%
   Points: 10.7510.87510.625
   Closing Costs:
   (Includes est. prepaid expenses) 		$5,906$3,938$5,906$4,210$6,707$5,104
Total Monthly Payment*:
   consisting of: 		$1,759$1,671$2,153$2,108$1,741$1,722
   Property Taxes: $261$261$261$261$261$261
   Homeowners Insurance: $75$75$75$75$75$75
   HOA/Dues/Fees: $0$0$0$0$0$0
   PMI: $55$0$43$0$55$53
   Principal & Interest: $1,368$1,335$1,774$1,772$1,350$1,333
Projected Payments Detail: 10/6-Month ARM with BPMI: $1,350 at 6.500% in Years 1-10, and $1,418 at 7.125% in Years 11-30 (APR: 7.160%) 
TRID Info Icon Your actual rate, payment, and costs could be higher. Get an official Loan Estimate before choosing a loan. See page two for more disclosures.
TRID Info Icon Your actual rate, payment, and costs could be higher. Get an official Loan Estimate before choosing a loan. See page two for more disclosures.
Loan Officer Philip Mears

Philip J Mears

NMLSR ID 400555
Home Mortgage Consultant
Military Lending Specialist
Wells Fargo Home Mortgage
 philipmears@wellsfargo.com
homeloans.wellsfargo.com/philipmears
Ask Philip a Question
Rates, terms, and fees as of 7/20/2025 08:07 PM Eastern Daylight Time and subject to change without notice.

General Disclosures

  • For the 30-Year Fixed Rate product, you may also prequalify for the Dream. Plan. Home. program based on your income and the county in which the property securing the mortgage is located. If your property is in a different county, eligibility for the Dream. Plan. Home. program may change. Final eligibility for this program will be confirmed during the application process.
  • We based the mortgage interest rates shown on a 30-day rate lock period. Under certain circumstances, a 30-day rate lock may not be available. Learn more about your rate lock options and costs.
  • Mortgage rates and loan options displayed depend on a number of variables, including the accuracy of the information you have entered, which is subject to verification, credit and property approval.
  • The amounts provided above for Estimated Total Closing Costs, taxes and insurance are estimations based on the state selected. This is NOT a mortgage loan approval or commitment to lend. The actual fees, costs and monthly payment on your specific loan transaction may vary, and may include city, county or other additional fees and costs.
  • Assumes 13 days per diem interest.
  • The loan options shown in your results are based on information you have provided, and are displayed as a convenience for comparison purposes. In many cases, additional products, programs and loan features may be available. Contact us to find out about other options that may be available to you.
  • There may be tax advantages to paying discount points on a purchase of a home. (Consult your tax advisor for information regarding deductibility of points).
  • The annual percentage rate (APR) is a measure of the cost to borrow money expressed as a yearly percentage. For mortgage loans, excluding home equity lines of credit, it includes the interest rate plus other charges or fees (such as mortgage insurance, discount points, and origination charges). For home equity lines, the APR simply reflects the interest rate. When shopping for a mortgage, you can use the APR to compare the costs of similar loans between lenders.
  • Based on the information provided, your appraisal fee may vary.
  • Proof of insurance is required prior to closing. At closing, we may require you to deposit tax, insurance and other applicable escrow reserves with us. These reserves may vary from the estimates provided and may include a cushion for future payments. In addition, if the real estate taxes on the property are due within 60 days after your closing date, the taxes due must be paid at closing.
  • Mortgage insurance is required on conventional loans with loan amounts greater than 80% of the home value. This loan option includes a Borrower Paid Mortgage Insurance (BPMI) premium, the cost of which is added to the monthly principal and interest payment.
  • BPMI may be tax deductible - consult your tax advisor for information regarding tax deductibility. You can request cancellation of BPMI when your loan principal balance reaches 80% of the original property value (lesser of the initial appraised value or purchase price), otherwise BPMI is automatically canceled when your loan principal balance is scheduled to reach terminated at 78%. You can terminate BPMI faster by paying down the principal balance.
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VA

  • Up to 100% financing may be available for qualified borrowers. Most VA loans require the borrower to pay a 'funding fee'. This fee may be paid out of pocket or financed into the loan amount. At the direction of the United States Congress and the Department of Veterans Affairs VA Funding Fees may increase or decrease without notice.
  • If you meet the eligibility requirements of the VA program, gifts or grants may be used for down payments.

Adjustable Rate Mortgages (ARMs)

  • Interest rates and payments may increase after consummation. After the initial fixed period, your interest rate may change periodically according to the market index. Any change may significantly impact your monthly payment. Since the index in the future is unknown, the First Adjusted Rate and Payments displayed are based on the current index plus the margin (fully indexed rate) at time of scenario/disclosure.
  • For conforming and jumbo ARM interest rates, your new mortgage rate at adjustment will be based on an industry-determined index rate added to a Wells Fargo margin. You'll receive specific index and margin information during the application process.

Digital Home Financing Flyer for: 2225 N Clark St- Appleton, WI - Outagamie (087): mortgageoptions.wf.com/3e68ea7e0

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