Example: FHA Program APRs quoted; Purchase base loan of $432,127.00, total loan $439,689.00 (includes financed upfront MIP), 30-day rate lock period, 96.50% Loan to value, 720 credit score, 1% origination and 1% discount, $900 Admin and other fees and charges associated with the origination of the loan. For a complete explanation of all other fees and charges contact HAPO Mortgage Division at (509) 946-2044.