RATE ASSUMPTIONS

The mortgage rates listed are for informational purposes only. No rate is guaranteed without a valid rate lock. Not all borrowers will qualify for all rates. Rates and terms are subject to change without notice. Limited to owner-occupied, one-to-four family units. Other restrictions on property may apply. Property insurance required. Flood insurance may be required.

* APRs are based on an 80% or less loan to value ratio, with loan amounts of $200,000 for conforming loans (amounts up to $417,000) with the terms shown and assumes equal monthly payments. Additional discount point pricing available.

** The rates listed for the 1 Year, 3/3, and 5/5 ARM (Adjustable Rate Mortgage) programs are for conforming loan amounts only. These ARMs are 30-year loans that are fixed for the initial 1, 3, or 5 years. After the initial fixed period, the rate will adjust annually, every 3 or 5 years for the remaining term. These loans have no prepayment penalty and may be refinanced at any time. These are not balloon loans. The annual percentage rate (APR) may increase after your loan is funded due the rate adjustment. Call for additional details.