Buying or Refinancing?

[What You Can Expect]( [Think Costco First: Costco Services]( What You Can Expect There is help no matter where you are in the home buying process. The Mortgage Program for Costco members provided by First Choice Loan Services Inc. (NMLS #210764), a Berkshire Bank Company (NMLS# 506896), and other participating lenders, offers savings and value exclusively for Costco members. Just starting to look for a home? Is your family expanding and needs a bigger home? Looking to reduce your payment by refinancing at a lower rate? Whether it's your first purchase, you're upsizing, downsizing or adding an investment property, The Mortgage Program gives you the quality and experience Costco members expect and deserve. Plus, there are no surprises with The Mortgage Program lender fees, which are up-front and low: - Lender origination fees are capped at $350* for Executive Members and $650* for Gold Star and Business Members. Costco Executive Members could save an average of $7,707 over the typical life of the loan.** - Participating lenders have the experience needed and are committed to working with you to find a mortgage that best suits your needs. [Compare Now]( *Lender fees charged to Executive Members by lenders will not exceed $350 per loan. Lender fees charged to Gold Star and Business Members by lenders will not exceed $650 per loan. Lender fees include application, commitment, underwriting, processing fees or similar fees and do not include third party fees, such as title insurance, appraisal, tax service, escrow and other such fees in which the lender does not profit and are passed directly through the borrower. All fees are clearly detailed in the Loan Estimate provided by lender. **The estimated savings statement is calculated over a 7-year period utilizing the following loan scenario and includes both interest and fees savings: home purchase in the state of California with a Loan-To-Value of 80%, Loan Amount= $250,000, Single Family, Primary Residence, FICO= 720, Term= 30yr as of 8/15/2017. Average Executive Membership level savings is $7,707, which includes the lender fees savings as of 8/15/2017, as compared to an average of national mortgage lenders in a comparative study conducted by Informa Research Services Inc. Individual savings may vary based on credit score, Loan-To-Value, location, Costco membership level, and loan amount, and is subject to loan requirements underwriting and approval. Marketing Approval Date 11/1/2017. General Program Disclosures: Mortgage lead generation, and/or originations are provided by or through Berkshire Bank (NMLS# 506896) and its wholly owned subsidiary First Choice Loan Services Inc. (NMLS #210764), located at One Tower Center, Floor #18, East Brunswick, NJ 08816. Berkshire Bank and First Choice Loan Services Inc. are licensed, registered, or exempt from state licensing in the states in which they originate mortgage loans or lines of credit. First Choice Loan Services Inc. is licensed by the N.J. Department of Banking and Insurance, and licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act. AZ BK #0918586. Loans in AR, NY, and PR are originated by Berkshire Bank. First Choice Loan Services Inc. has no affiliation with First Choice Bank, chartered and located in California. Costco and its affiliates do not take loan applications, offer, negotiate, arrange or make mortgage loans or lines of credit. Costco does not guarantee products or services offered by First Choice Loan Services Inc. Berkshire Bank is an FDIC insured Massachusetts chartered bank. Berkshire Hills Bancorp (NYSE: BHLB) is the parent of Berkshire Bank. Costco is not affiliated with First Choice or any participating lender. Costco does not endorse and is not responsible for any of the activities of First Choice or any of the participating lenders. [Think Costco First: Costco Services]( [Like us on Facebook]( [Follow us on Pinterest]( Share: [Forward to a friend]( [About Us]( [Membership]( [Location & Services]( [Privacy Policy]( [Unsubscribe]( Costco Wholesale, Customer Service | P.O. Box 34535 – Seattle, WA 98124-1535