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Rates based on a Loan Amount of $315,000, Loan to Value (LTV) 70%, Credit FICO Score 770 Rates, terms, and fees as 4/22/2022 11:00 AM Central Standard Time and subject to change without notice. Rates are posted daily at 11am Monday – Friday. Rates are not posted on the weekend. Call the Smart Mortgage rate lock line now (888) 999-1350.
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The Gilbert Islands (Gilbertese: Tungaru;[2] formerly Kingsmill or King’s-Mill Islands[3]) are a chain of sixteen atolls and coral islands in the Pacific Ocean, about halfway between Papua New Guinea and Hawaii. From 1976 to 1979, they were the “British colony of the Gilbert Islands”, and before that, from 1916 to 1975, they were the “Gilbert and Ellice Islands colony”. They constitute the main part of the nation of Kiribati (the name of which is a rendering of “Gilberts” in the phonology of the indigenous Gilbertese).[2]
The atolls and islands of the Gilbert Islands are arranged in an approximate north-to-south line. The northernmost island in the group, Makin, it is approximately 420 nautical miles (780 km) from southernmost, Arorae, as the crow flies. Geographically, the equator is the dividing line between the northern and southern Gilbert Islands. However, the International Hydrographic Organization (IHO) considers the entire Gilbert islands group to be in the South Pacific Ocean.[4]