Mortgage Loans


		Information below is effective January 23, 2012 Rates and terms are subject to change at any time.

	First Mortgage Loans



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	3.250%	0	3.302%
20-Year Fixed Rate²	3.750%	0	3.791%
30 Year Fixed Rate³	4.000%	0	4.030%
5 Year Balloon⁴	3.125%	0	3.207%
10 Year Balloon⁵	3.750%	0	3.798%


	Loans over $417,000: Add .50% to all rates. Maximum Total LTV 80%.

*Registered Mortgage Loan Originators*	*Federal ID Number*
James E Igo	801424
Kathleen M. Plunkett	802219
Craig A. Ruggeri	806220
Kyle M. Schwesig	806189
Monette M. Withers	804495

Please call us at 856-303-8899 for additional rates and terms
Interest rates subject to change without notice

¹The 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 $702.67. APR is subject to change.

²The 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 $592.89. APR is subject to change.

³ 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 $477.42. APR is subject to change.

⁴The 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 $428.38. APR is subject to change.

⁵The 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 $463.12. APR is subject to change.

First Mortgage Loans