| Type of Loan |
Terms Available |
Points/Fees |
Interest Rate |
(APR) Annual Percentage Rate |
| Fixed Rate - Under $100,000.00 With Settlement Costs |
1 to 3 Years |
$450.00 Est. Fees-Plus Interest |
5.500 |
5.795 |
|
4 to 5 Years |
Same as above |
5.750 |
5.881 |
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6 to10 Years |
Same as above |
5.875 |
6.008 |
|
11 to 15 Years |
Same as above |
6.000 |
6.074 |
| Fixed Rate - Over $1000,000.01 With Settlement Costs |
1 to 3 Years |
Estimated Fees $450.00-Plus Interest and Title Ins. if over $100,000.00 |
5.625 |
5.918 |
|
4 to 5 Years |
Same as above |
5.875 |
6.065 |
|
6 to 10 Years |
Same as above |
6.000 |
6.103 |
|
11 to 15 Years |
Same as above |
6.125 |
6.200 |
| Fixed Rate - Under $100,000.00 With Limited Settlement Costs |
1 to 3 Years |
Estimated fees Includes Appraisal or HVE, Notary Fee, interest & Title Ins.(if required) |
5.875 |
6.183 |
|
4 to 5 Years |
Same as above |
6.000 |
6.195 |
|
6 to 10 Years |
Same as above |
6.125 |
6.231 |
|
11 to 15 Years |
Same as above |
6.375 |
6.454 |
| Fixed Rate - Over $100,000.01 With Limited Settlement Costs |
1 to 3 Years |
Estimated fees includes Appraisal or HVE, Notary Fee, interest & Title Ins. (if required) |
6.000 |
6.313 |
|
4 to 5 Years |
Same as above |
6.125 |
6.324 |
|
6 to 10 Years |
Same as above |
6.375 |
6.486 |
|
11 to 15 Years |
Same as above |
6.625 |
6.707 |
| Fixed Rate - Under $100,000.00 With No Lender Settlement Costs |
15 Years |
Estimated fees includes interest and notary |
6.625 |
6.707 |
| Fixed Rate - Over $100,000.01 With No Lender Settlement Costs |
15 Years |
Estimated fees includes interest, notary and title ins. (if required) |
6.875 |
6.961 |
| Maximum loan is $200,000.00 - 80% LTV minus outstanding mortgage(s) and/or leins |
15 Year Term if certain conditions are met. |
Owner occupied single family homes only |
Must show froof of occupancy |
No up-front fees |
| Home Equity Line of Credit (HELOC) |
10 Year Draw Peroid |
No Bank Fees |
Variable Annual Percentage Rate (APR) based on Wall Street Journal Prime Rate on the last day of each month minus (-).125% |
4.875% |
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| LOAN SPECIAL - Limited Offer - Home Equity Line of Credit (HELOC) |
10 Year Draw Peroid |
Must have minimum draw of $5000.00 at closing. Reduced rate good for 12 months. |
Variable Annual Percentage Rate (APR) is .125% lower than our regular rate for the next 12 months when you make a new home equity line application from 5/01/08 to 7/01/08 |
4.750% |
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| Rates & terms can change without prior notice |
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Title Insurance required on loans $100,000.01 and over. |
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