10 year*			15 year*			20 year*			30 year*
Rate %	Points	APR	Rate %	Points	APR	Rate %	Points	APR	Rate %	Points	APR
3.125	0	3.608%	3.125	0	3.457%	3.750	0	4.014%	3.875	0	4.066%
						3.500	1	3.879%	3.625	1	3.897%
*Additional pricing adjustments may apply. APR example is for a $100,000 loan with a 20% down payment.
Loans with lower down payments require Private Mortgage Insurance(PMI) which will increase the APR. 60 day rate lock period.
		REFINANCE-NO CLOSING COSTS, FIXED RATES (Restrictions Apply)*
Rate %		Term		Points		APR			Maximum LTV
3.500		10 Years		0		3.516%			80%
3.500		15 Years		0		3.511%			80%
APR example is based on a $100,000 loan at 80% loan to value. 60 day rate lock period.
	PURCHASE TRANSACTIONS- NO CLOSING COSTS, FIXED RATES (RESTRICTIONS APPLY)*
Rate %		Term		Points		APR		Minimum	Down Payment Required
4.125		30 Years		0		4.133%		10%
3.500		15 Years		0		3.511%		10%
APR example is for a $100,000 loan with a 20% down payment.
Loans with lower down payments require Private Mortgage Insurance(PMI) which will increase the APR. 60 day rate lock period.
*Premiere Checking with Direct Deposit of payroll required.
Minimum credit scores and maximum debt ratios apply to all of our loan programs. Contact a mortgage originator for
details.