1.99% fixed rate is for 15yrs and has an APR of 2.34%. 2.875% fixed is for 30yrs and has an APR of 3.07% based on a 740 score, 60% maximum loan to value, owner-occupied, rate and term refinance only and 400k loan amount as of 11/15/21. Max loan size is limited to 625k and min loan size is 125k. No lender fee special requires min loan size of 300k. Not all applicants will qualify.