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Mortgage

Purchase and Refinance
Fixed Rate/Adjustable Rate Conforming – APR’s are based on a $200,000 loan for a purchase or
refinance transaction of an owner occupied, single-family residence with an 80% loan-to-value
ratio (96.5% LTV for FHA’s and VAs). Rates must be valid for an applicant with a 740 FICO score
(VA’s 640 FICO score and above). Rates are subject to change without notice.
Quotes are for “no cash-out” loans. All quotes are for products or loans that can be sold on the
secondary market with no prepayment penalties nor negative amortization.

Fixed Rate/Adjustable Rate Jumbo – APR’s are based on a $450,000 loan for a purchase or
refinance transaction of an owner occupied, single-family residence, and up to 70% loan-to-
value ratio (96.5% LTV for FHA’s and VAs). Rates must be valid for an applicant with a 740 FICO
score (VA’s 640 FICO score and above). Rates are subject to change without notice.
Quotes are for “no cash-out” loans. All quotes are for products or loans that can be sold on the
secondary market with no prepayment penalties nor negative amortization.

Home Equity

Home Equity Loans – Rates are based on a fixed rate home equity loan for an owner occupied
residence, second lien, 10 year or 15 year repayment terms with an 80% loan-to-value ratio for
loan amounts of $50,000 or $50,000+.
Rate Discount indicates the amount of reduction in the Rate for having monthly payments
automatically deducted from an account and/or for having other relationship accounts with the
institution, expressed as a percentage. Rates shown may be subject to regional pricing.
Conditions “No closing costs” indicates that customer is not required to pay closing costs on the
loan. “With closing costs” indicates that customer is required to pay closing costs on the loan.
Rates displayed may include discounts. Rates are subject to change without notice.

Home Equity Line of Credit – Rates are based on a variable rate, second lien revolving home
equity line of credit for an owner occupied residence with an 80% loan-to-value ratio for line
amounts of $50,000 or $50,000+.
Discount indicates the amount of reduction in the Rate for having monthly payments
automatically deducted from an account and/or for having other relationship accounts with the
institution, expressed as a percentage. Rates shown may be subject to regional pricing.
Conditions – “No closing costs” indicates that customer is not required to pay closing costs on
the line of credit. “With closing costs” indicates that customer is required to pay closing costs on
the line of credit. Rates displayed may include discounts. Rates are subject to change without
notice.

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