Information below is effective May 9, 2013  Rates and terms are subject to change at any time.

First Mortgage Loans

• Application fee: $375.00 (Single family homes only)
• Maximum Total Loan to Value 80%
• Private Mortgage Insurance (PMI) required over 80% loan to value (LTV) PMI will increase the Annual Percentage Rate (APR)
• Loans over $417,000.00 add .50% to all rates
• Property insurance shall be required.
• If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.
• Subject to credit approval.

 ¹  The above interest rate assumes a 20% down payment on a $100,000 loan with a 15-Year fixed term.  The principal and interest payment for this example would be $678.62, plus escrows.  APR subject to change.

 ²  The above interest rate assumes a 20% down payment on a $100,000 loan with a 20-Year fixed term.  The principal and interest payment for this example would be $573.56, plus escrows.  APR subject to change.

 ³ The above interest rate assumes a 20% down payment on a $100,000 loan with a 30-Year fixed term.  The principal and interest payment for this example would be $449.04, plus escrows.  APR subject to change.

 ⁴  The above interest rate assumes a 20% down payment on a $100,000 loan with a 5 year Balloon with a 30 year amortization.  The principal and interest payment for this example would be 59 monthly payments of $414.89, plus escrows, and 1 balloon payment of $89,117.39 due at 5 year maturity date.  APR subject to change.

 ⁵  The above interest rate assumes a 20% down payment on a $100,000 loan with a 10 year Balloon with a 30 year amortization.  The principal and interest payment for this example would be 119 monthly payments of $449.04, plus escrows, and 1 balloon payment of $77,876.64 due at 10 year maturity date.  APRsubject to change.