1.99% fixed rate is for 15yrs and has an APR of 2.35%. 2.75% fixed is for 30yrs and has an APR of 3% based on a 740 score, 60% maximum loan to value, owner-occupied, rate and term refinance only and 400k loan amount as of 6/7/21. Maximum loan size is limited to 548,250 and min loan size is 125k. No lender fee special requires min loan size of 300k. Not all applicants will qualify.