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Mortgage Rates

Consumer Loan Rates | Deposit Product Rates

Conventional

Maximum loan amount: $417,000
Information = Information Application = Application Calculator = Calculator
Fixed Rate Mortgages* InformationApplication Calculator Rate Payment per $1,000
10 Year
(up to 95% financing)		 4.125% $10.18
15 Year
(up to 95% financing)		 4.250% $7.52
20 Year
(up to 95% financing)		 4.625% $6.39
30 Year
(up to 95% financing)		 5.000% $5.37
40 Year
(up to 95% financing)		 5.125% $4.91
* 80.01 LTV and greater add .125% to fixed interest rates.
ALL RATES AND TERMS ARE SUBJECT TO CHANGE WITHOUT NOTICE.
Lowest rate available. Applicants who are not approved at these rates or terms may be offered credit at a higher rate and or term.

Adjustable

Maximum loan amount: $417,000
Information = Information Application = Application Calculator = Calculator
Adjustable Mortgages* Rate Payment per $1,000
1 Year Adjustable 2.500% $3.95
3/1 Adjustable 3.250% $4.35
5/1 Adjustable 4.125% $4.85
7/1 Adjustable 4.500% $5.07
10/1 Adjustable 5.000% $5.37
* Adjustable Mortgages 90.01% and greater, add .25% to posted interest rate.
ALL RATES AND TERMS ARE SUBJECT TO CHANGE WITHOUT NOTICE.
Lowest rate available. Applicants who are not approved at these rates or terms may be offered credit at a higher rate and or term.

Interest Only

Maximum loan amount: $417,000
Information = Information Application = Application Calculator = Calculator
Interest First Mortgages InformationApplication Calculator
Interest First Payment based on a
30 Year Term.  At the end of the
Interest Only Period, the remaining term
will be 20 years or 15 years, respectively. 		 
Rate Interest Only
(first 120 mos.)		 Principle+Interest
(remaining 240 mos.)
10 Year Interest Only

5.500%

 $4.58 $6.88
  Rate Interest Only
(first 180 mos.)		 Principle+Interest
(remaining 180 mos.)
15 Year Interest Only

5.500%

 $4.58 $8.17
* 80.01 LTV and greater add .125% to fixed interest rates.
ALL RATES AND TERMS ARE SUBJECT TO CHANGE WITHOUT NOTICE.
Lowest rate available. Applicants who are not approved at these rates or terms may be offered credit at a higher rate and or term.

Jumbo

Loan amount: $417,001 — $729,750
Information = Information Application = Application Calculator = Calculator
Jumbo Conforming Mortgages Rate Payment per $1,000
15 Year Fixed Rate* 5.500% $8.17
30 Year Fixed Rate*

6.250%

 $6.16

Jumbo Non-Conforming

Loan amount: $729,751 — $1,500,000
Jumbo Non-Conforming Mortgages Rate Payment per $1,000
15 Year Fixed Rate* 5.500% $8.17
30 Year Fixed Rate*

6.250%

 $6.16
1 Year Adjustable Rate Mortgage

3.125%

 $4.28
3/1 Year Adjustable Rate Mortgage 3.875% $4.70
5/1 Year Adjustable Rate Mortgage 4.750% $5.22
7/1 Year Adjustable Rate Mortgage 5.125% $5.44
10/1 Year Adjustable Rate Mortgage

5.625%

$5.76
Jumbo Interest First Mortgages Rate Interest Only
(first 120 mos.)		 Principle+Interest
(remaining 240 mos.)
10 Year Interest Only

5.625%

 $4.69 $6.95
  Rate Interest Only
(first 180 mos.)		 Principle+Interest
(remaining 180 mos.)
15 Year Interest Only

5.625%

 $4.69 $8.24
* 80.01 LTV and greater add .125% to fixed interest rates.
ALL RATES AND TERMS ARE SUBJECT TO CHANGE WITHOUT NOTICE.
Lowest rate available. Applicants who are not approved at these rates or terms may be offered credit at a higher rate and or term.

Home Equity

Maximum loan amount: $350,000

 Rates Effective: 1/1/2010
Information = Information Application = Application Calculator = Calculator
Home Equity Line of Credit InformationApplication Calculator
$350,000 max (up to 80% of home value).
-Lines up to $75,000 min. advance $5,000
-Lines $75,001 - $250,000 min. advance $60,000
  and $50,000 min. balance for 24 months
-Lines $250,001 - $350,000 min. advance $100,000
  and $80,000 min. balance for 24 months
Adjusts quarterly		 Rate Term (months)
Adjustable Rate as low as:
2.750% (80% of home value)		 180
Mini-Home Equity InformationApplication Calculator
Adjustable Rate
No closing costs.
Adjusts annually on March 1
$10,000 - $350,000		 2.750% (80% of home value) up to 240
Mini-Home Equity InformationApplication Calculator
Fixed Rate
No closing costs up to $100,000
 80%
of home value 		 
Min.
$10,000		 Max.
$350,000		 5.99% 60
6.49% 61-120
6.99% 121-180(a)
7.24% 181-240(b)
ALL RATES AND TERMS ARE SUBJECT TO CHANGE WITHOUT NOTICE.
Lowest rate available. Applicants who are not approved at these rates or terms may be offered credit at a higher rate and or term.

First Time Home Buyer

Maximum loan amount: $417,000
Information = Information Application = Application Calculator = Calculator
My Community Mortgage InformationApplication Calculator
(3% down)		 Rate Payment per $1,000
30 Year Fixed 6.000% $6.00
40 Year Fixed 6.250% $5.68
5/1 Adjustable
 5.375% $5.60
7/1 Adjustable
 5.750% $5.84
10/1 Adjustable
 6.125% $6.08
Flex97 Fixed Rate Mortgage InformationApplication
(3% down)		 5.500% $5.68
HLPR 3 /1 Adjustable 3.625% $4.56
* 80.01 LTV and greater add .125% to fixed interest rates.
ALL RATES AND TERMS ARE SUBJECT TO CHANGE WITHOUT NOTICE.
Lowest rate available. Applicants who are not approved at these rates or terms may be offered credit at a higher rate and or term.