Rates change daily and are uploaded every evening at 7 p.m. eastern. Rates are based on loans meeting underwriting standards. Exceptions may require 0.25% added to the rate. All loans and rates are subject to qualifying conditions. Exact terms of a loan are subject to credit qualifying conditions and the nature of the collateral itself. Quotes on payments reflect principal and interest only, and are calculated based on the stated loan amount. They do not reflect fees or insurance that may be part of the loan. FCS does not require tax payments and property insurance escrows. The property owner is responsible for property tax and property casualty insurance. Construction loans are available, and feature a 1-time permanent construction financing.  Homesite loans are priced with .25% added.