RESIDENTIAL FIRST MORTGAGES OWNER OCCUPIED

Type
LTV
Interest Rate
APR*

Estimated
Closing Costs
30yr Fixed
80%
5.375%

     5.5029%
$1,214.00
20yr Fixed
80%
4.75%
4.9143%
$,1214.00
15yr Fixed
80%
4.75%
4.9592%
$1,214.00
     5/1 ARM   80%         4.25% (floor rate)*      4.3645%         $1,214.00
     3/1 ARM   80%
4.00% (floor rate)*
4.1124%
$1,214.00

     1yr ARM
80%
3.50% (floor rate)*
3.6069%
$1,214.00

*Index is based on the 1 year U.S. Treasury Bill Constant Maturity. Margin 2.75%, Caps 2%/6%. 

Rates are effective as of October 12, 2011.  Interest rates are subject to change at any time without notice.

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RESIDENTIAL SECOND MORTGAGES OWNER OCCUPIED

Type
LTV
Interest Rate
APR*

Estimated
Closing Costs
30yr Fixed
80%
6.375%
6.5149%
$1,214.00
20yr Fixed
80%
5.75%
5.9268%
$1,214.00
15yr Fixed
80%
5.75%
5.9723%
$1,214.00
1yr ARM
80%
4.50% (floor rate)
4.6181%
$1,214.00

Index is based on the 1 year U.S. Treasury Bill Constant Maturity. Margin 2.75%, Caps 2%/6%.
Rates are effective as of October 12, 2011. Interest rates are subject to change at any time without notice.

HOME EQUITY LINE OF CREDIT OWNER OCCUPIED

Type
LTV
Interest Rate
  

Estimated
Closing Costs
Variable
Up to 80%

Rate is the Prime Rate with a 4.00% floor
None

Payment are interest only or $50.00 whichever is greater. Annual fee $50.00, waived the first year.
Note due at end of draw period (10 years). Prepayment penalty $375.00 if closed in less than two (2) years.  Rates are effective as of October 12, 2011,  Interest rates are subject to change at any time without notice.

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