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The initial rate and APR are variable rates which may not be available at time of loan commitment or lock in & may increase after closing. Rate & APR are set for five years only. Payment referenced is a minimum payment option which is fixed for the first five years only based on a rate of 2%, and will result in negative amortization. Certain credit score restrictions apply. All loans, rates and terms are subject to change without notice. Deferred interest may apply. Ameristar Real Estate and Investments, Inc is licensed by the California Department of Real Estate Broker ID # 01776775