Home Loans
Type Lien Status Term Interest Rate Effective as of
30/15 Balloon Mortgage 1st 30 Years as low as 3.875% 12/01/2016
20/15 Balloon Mortgage 1st 20 Years as low as 3.750% 12/01/2016
15/15 Adjustable Rate Mortgage 1st 30 Years as low as 4.000% 12/01/2016
15/5 Adjustable Rate Mortgage 1st 20 Years as low as 3.875% 12/01/2016
5/5 Adjustable Rate Mortgage 1st 30 Years as low as 3.750% 12/01/2016
5/5 Adjustable Rate Mortgage 1st 20 Years as low as 3.625% 12/01/2016
12-15 year fixed rate 1st 12-15 years as low as 3.000% 12/01/2016
5-10 year fixed rate 1st 5-10 years as low as 2.875% 12/01/2016
Construction 1st 12 months 1% over the perm rate 12/01/2016
 

Rates posted are indications only and are effective as of the date listed above. Rates are subject to change without notice. Your actual rate may be different, as many factors go into providing you with a mortgage loan. Rates shown are not intended to be a commitment to the loan type or amount for which you may qualify. All mortgage loans have a 1% origination fee plus prepaid and closing costs. At the time the loan is conditionally approved, a $425 fee is required. Rates listed above apply to loans up to $417,000 only.

Fixed-Rate Balloon Mortgages 30/15 and 20/15
Fixed-Rate balloon products have a term of 15 years and are amortized over either 20 or 30 years as noted above. Balloon products have an unpaid principal balance due after the fixed 15 year period.

Adjustable-Rate Mortgage 15/15
Adjustable-Rate Mortgages are variable and your APR may increase after the original rate period. The adjustable rate mortgages are tied to the 10 Year CMT index. Adjustable rates cannot change more than 4% at the adjustment period and cannot adjust more than 4% over the life of the loan.

Adjustable-Rate Mortgage 5/5
Adjustable-Rate Mortgages are variable and your APR may increase after the original rate period. The adjustable rate mortgages are tied to the 10 Year CMT index. Adjustable rates cannot change more than 2% at the adjustment period and cannot adjust more than 5% over the life of the loan.

More Information
For more information on how these products work and their benefits, please contact one of our Mortgage Loan Officers who will gladly help you determine which product is right for you.

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