Mortgage Loans

Fixed Rate Mortgages 10 Year | 15 Year | 30 Year Bi-weekly Fixed Rate Mortgages 15 Year | 20 Year | 25 Year Adjustable Rate Mortgages 5 Year | 7 Year | 10 Year/1 Year On Line Loan Application Loan Calculator

Fixed Rate Mortgages
	Primary/Secondary Residence
	No Points		2 Points
Term	Interest Rate	Est. APR	Interest Rate	Est. APR
30 Years	6.625%	6.625%	6.125%	6.314%
25 Years	6.5005%	6.500%	6.000%	6.212%
20 Years	6.375%	6.375%	5.875%	5.123%
15 Years	6.125%	6.125%	5.625%	5.934%
FREE RATE LOCK • NO ORIGINATION FEE • NO BROKER FEES APPLICATION FEE INCLUDES:  Credit Report & Flood Certification ***Add 0.250% to interest rate for all loans over $729,750

Ask about the Interest First Options on our Adjustable loan products. Add 0.50% to the stated interest rates. Loan to value cannot exceed 65%.

5 Year/1 Year and 5 Year/5 Year Adjustable Rate Mortgages Term up to 30 Years
Primary/Secondary Residence
	No Points	2 Points
Interest Rate	5.875%	5.375%
Estimated APR	5.568%	5.401%
FREE RATE LOCK • NO ORIGINATION FEE • NO BROKER FEES APPLICATION FEE INCLUDES:  Credit Report & Flood Certification ***Add 0.250% to interest rate for all loans over $729,750

7 Year/1 Year Adjustable Rate Mortgages Term up to 30 Years
Primary/Secondary Residence
	No Points	2 Points
Interest Rate	6.000%	5.500%
Estimated APR	5.753%	5.495%
FREE RATE LOCK • NO ORIGINATION FEE • NO BROKER FEES APPLICATION FEE INCLUDES:  Credit Report & Flood Certification ***Add 0.250% to interest rate for all loans over $729,750

Adjustable Mortgage Information
Rate:	On the 5/1 rate is subject to change on the 5th anniversary and annually thereafter. On the 5/5 rate is subject to change on the 5th anniversary and every 5 years thereafter. On the 7/1 rate is subject to change on the 7th anniversary and annually thereafter.
Indexes:	Constant Maturity Treasury Securities as calculated by Federal Reserve.
June Index Value:	One Year 2.420%. One Year index is used for 5/1, 5/5, 7/1, and 10/1 adjustables.
Margin:	Mark-up over treasury is 2.75% for primary/secondary.
Caps:	2.00% per change; life of loan: 5.00% over initial rate.
Interest Rate Floor:	1/2% under initial rate.

Ten Year/One Year Adjustable** Adjustable Rate Mortgages
Primary/Secondary Residence
	No Points	2 Points
Interest Rate	6.125%	5.625%
Estimated APR	5.952%	5.633%
FREE RATE LOCK • NO ORIGINATION FEE • NO BROKER FEES APPLICATION FEE INCLUDES:  Credit Report & Flood Certification ***Add 0.250% to interest rate for all loans over $729,750 **Interest First Option not available.

Adjustable Mortgage Information
Rate:	Adjustable on the 10th anniversary and annually thereafter.
Maximum Term:	30 years
Indexes:	One year treasury constant maturity +2.75%
June Index Value:	One Year 2.420%
Margin:	Mark-up over treasury is 2.75% for primary/secondary.
Caps:	2.00% per change; life of loan: 5.00% over initial rate.
Interest Rate Floor:	1/2% under initial rate.

Bi-Weekly Fixed Rate 15 Year Accelerated Mortgages
Primary/Secondary Residence
	No Points	2 Points
Interest Rate	6.000%	5.500%
Estimated APR	6.012%	5.808%
Est. Actual Term*	13 yrs. 3 mo.	13 yrs. 4 mo.
FREE RATE LOCK • NO ORIGINATION FEE • NO BROKER FEES APPLICATION FEE INCLUDES:  Credit Report & Flood Certification ***Add 0.250% to interest rate for all loans over $729,750

Bi-Weekly Fixed Rate 20 Year Accelerated Mortgages
Primary/Secondary Residence
	No Points	2 Points
Interest Rate	6.250%	5.750%
Estimated APR	6.251%	5.997%
Est. Actual Term*	17 yrs. 4 mo.	17 yrs. 6 mo.
FREE RATE LOCK • NO ORIGINATION FEE • NO BROKER FEES APPLICATION FEE INCLUDES:  Credit Report & Flood Certification ***Add 0.250% to interest rate for all loans over $729,750

Bi-Weekly Fixed Rate 25 Year Accelerated Mortgages
Primary/Secondary Residence
	No Points	2 Points
Interest Rate	6.375%	5.875%
Estimated APR	6.377%	6.086%
Est. Actual Term*	21 yrs. 1 mo.	21 yrs. 3 mo.
FREE RATE LOCK • NO ORIGINATION FEE • NO BROKER FEES APPLICATION FEE INCLUDES:  Credit Report & Flood Certification ***Add 0.250% to interest rate for all loans over $729,750

* You will build equity in your home faster and save interest because you are making a half payment every 14 days, or an equivalent of 13 monthly payments a year.

To obtain these rates, Bi-weekly payments must be automatically transferred from a regular or NOW checking account at the bank.