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* Terms and Conditions Apply – Rates mentioned or referenced in any advertising are guidance and are based on the current FRM Primary Mortgage Market Survey and a sampling of available rates from our lender network as of May 21, 2010 for 30 year fixed, 15 year fixed and 3/1 adjustable rate refinance programs for a loan amount between $100,000 and $417,000, at least 20% equity in the subject property, a 1% discount and/ or 1% origination charge, a single-family home, primary residence, minimum 720 credit score and verifiable income for the borrower(s). MortgageSum.com and Bills.com, LLC is not a lender or broker. 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.