What is the real APR for that loan?

Input Information

Loan Information
Home Value :	($)
Interest Rate :	(%)
Length :	(Yrs)
Down Payment :	($) (%)
Additional Information
Points :	(%)
Origination Fees :	(%)
Closing Cost :	($)
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Financial Analysis

Down Payment :	$30,000.00
Amount Financed :	$270,000.00
Monthly Principal and Interest :	$1,408.45
Points Value :	$2,700.00
Origination Fees	$0.00
Total Closing Cost	$3,900.00
Actual APR	4.876%

DISCLAIMER: There is NO WARRANTY, expressed or implied, for the accuracy of this information or it's applicability to your financial situation. Please consult your own financial advisor.