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* Terms and Conditions Apply - Rate referenced above is guidance and is based on available rates from our lender network as of December 16, 2011 for a 7/1 adjustable rate refinance, a loan amount of $250,000 in Virginia, 2.675 discount points, at least 20% equity in the subject property, a single-family home, primary residence, minimum 740 credit score and verifiable income for the borrower(s). Rates mentioned in any advertising are guidance and are based on a sampling of available rates from our lender network. TheEasyLoanSite.com and Bills.com, LLC is not a lender. Specific rates and terms offered to our applicants by specific lenders and providers within the network may vary, though our lenders and providers understand they are in a competitive environment and offer highly-competitive rates directly to our applicants. Rates are subject to change daily without notice. Not available in all states. Payment amounts shown do not include taxes or insurance.