Mortgage Loans

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Information below is effective July 30, 2008 Rates and terms are subject to change at any time.

First Mortgage Loans
blueline

Application Fee: $375  (Single Family Homes Only)
Private Mortgage Insurance (PMI) required over 80%. PMI will increase the Annual Percentage Rate (APR)

Term

Interest Rate

Points

APR

15-Year Fixed Rate1
15-Year Fixed Rate2

5.875%
6.250%

2
0

6.191%
6.252%

20-Year Fixed Rate3
20-Year Fixed Rate4

5.875%
6.250%

2
0

6.124%
6.250%

30 Year Fixed Rate5
30 Year Fixed Rate6

6.250%
6.625%

2
0

6.443%
6.627%

 5 Year Balloon7
 5 Year Balloon8

5.375%
5.750%

2
0

5.846%
5.750%

10 Year Balloon9
10 Year Balloon10

5.500%
5.875%

2
0

5.782%
5.875%

15-Year Balloon11
15-Year Balloon12

5.750%
6.125%

2
0

5.975%
6.125%

Loans over $420,000:  Add .50% to all rates.

Please call us at 856-461-0611 for additional rates and terms
Interest rates subject to change without notice

Equal Housing Lender
equal

 1 The above interest rate assumes a 20% down payment on a $100,000 loan with a 15-Year term. The principal and interest payment for this example would be $837.12. The loan includes total points of 2% of the loan amount. APR is subject to change.

 2 The above interest rate assumes a 20% down payment on a $100,000 loan with a 15-Year term. The principal and interest payment for this example would be $857.42. APR is subject to change.

 3 The above interest rate assumes a 20% down payment on a $100,000 loan with a 20-Year term. The principal and interest payment for this example would be $709.24. The loan includes total points of 2% of the loan amount. APR is subject to change.

 4 The above interest rate assumes a 20% down payment on a $100,000 loan with a 20-Year term. The principal and interest payment for this example would be $730.93. APR is subject to change.

 5 The above interest rate assumes a 20% down payment on a $100,000 loan with a 30-Year term. The principal and interest payment for this example would be $615.72. The loan includes total points of 2% of the loan amount. APR is subject to change.

6 The above interest rate assumes a 20% down payment on a $100,000 loan with a 30-Year term. The principal and interest payment for this example would be $640.31. APR is subject to change.

 7 The above interest rate assumes a 20% down payment on a $100,000 loan with a 30-Year term. The principal and interest payment for this example would be $559.97. The loan includes total points of 2% of the loan amount. APR is subject to change.

 8 The above interest rate assumes a 20% down payment on a $100,000 loan with a 30-Year term. The principal and interest payment for this example would be $583.57. APR is subject to change.

 9 The above interest rate assumes a 20% down payment on a $100,000 loan with a 30-Year term. The principal and interest payment for this example would be $567.79. The loan includes total points of 2% of the loan amount. APR is subject to change.

 10 The above interest rate assumes a 20% down payment on a $100,000 loan with a 30-Year term. The principal and interest payment for this example would be $591.54. APR is subject to change.

11 The above interest rate assumes a 20% down payment on a $100,000 loan with a 30-Year term. The principal and interest payment for this example would be $583.57. The loan includes total points of 2% of the loan amount. APR is subject to change.

 12 The above interest rate assumes a 20% down payment on a $100,000 loan with a 30-Year term. The principal and interest payment for this example would be $607.61. APR is subject to change.