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Dr. Kevin Cabugao

DDS, MBA | Director of Hospitality

Encore Dental
6040 Main Street,Suite 146 | American Canyon, CA 94503

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Rates Disclosure

Interest rates and APRs are based on current market rates, are for informational purposes only, are subject to change without notice and may be subject to pricing add-ons related to property type, loan amount, loan-to-value, credit score and other variables - call for details. This is not a credit decision or a commitment to lend.  Mortgage insurance may be required. If mortgage insurance is required, the mortgage insurance premium could increase the APR and the monthly mortgage payment. Additional loan programs may be available. APR (annual percentage rate) reflects the effective cost of your loan on a yearly basis, taking into account such items as interest, most closing costs, discount points (also referred to as "points"), and loan-origination fees. One point is 1% of the mortgage amount (e.g., $1,000 on a $100,000 loan). Your monthly payment is not based on APR, but instead on the interest rate on your Note. Adjustable Rate Mortgage (ARM) rates assume no increase in the financial index after the initial fixed period. ARM rates and monthly payments are subject to increase after the fixed period.

Rates and APRs also assume owner occupied Single family residences with an 80 loan-to-value (20% Down payment).  Discount point have varied and can be found on www.freddiemac.com.  These mortgage averages are for loans in 1st Lien Position.  The historical Freddie Mac PMMS® data is provided "as is," with no warranties of any kind, express or implied, including, but not limited to, warranties of accuracy or implied warranties of merchantability or fitness for a particular purpose. Use of the data is at the user's sole risk. In no event will the advertiser on this app or Freddie Mac be liable for any damages arising out of or related to the data, including, but not limited to direct, indirect, incidental, special, consequential, or punitive damages, whether under a contract, tort, or any other theory of liability, even if Freddie Mac is aware of the possibility of such damages.

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When you visit our modern dental office in American Canyon, as the latest extension of the highest rated dental office in the Northern Bay Area, your oral health is our top priority. Our dedicated team is committed to providing you with the highest level of care that you deserve. Symbolic of our green practice philosophy and reflective of our heritage, the Sampaguita flower is the national flower of the Philippines whose name comes from the Tagalog words Sumpa Kita, meaning, "I promise you." Part of that unconditional promise is our dedication to help our friends look better, feel better and live longer through the best modern dentistry available. As the flower blooms year round with its gentle fragrance, we promise to be uncompromising in our care, serving beyond your expectations while improving the oral health of your friends and family one smile at at time. Part of our promise is to go above and beyond for our patients. This includes providing information that helps them make informed decisions about their oral health needs. This website is a resource we hope you’ll find useful and interesting.

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Ios288 lelx2lgnthmditbupwea
Dr. Kevin Cabugao

DDS, MBA | Director of Hospitality

Encore Dental
6040 Main Street,Suite 146 | American Canyon, CA 94503

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Ios288 lelx2lgnthmditbupwea
Dr. Kevin Cabugao

DDS, MBA | Director of Hospitality

Encore Dental
6040 Main Street,Suite 146 | American Canyon, CA 94503

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