## Mortgage Rates |

Rates effective as of Feb 5, 2016.

Please Note: These rates are based on a zero cash-out, zero points, 80% loan-to-value ratio mortgage, for borrowers with excellent credit. Your rate may be different depending upon your credit score, loan-to-value ratio, points, and transaction type.

Closing costs equal approx. 1.3% on loan amount, of which $750.00 affect APR (not including points). Loan amount assumed to be $300,000. 80% LTV. Owner occupied property.

Points | 30 Year Fixed | 20 Year Fixed | 15 Year Fixed | 10 Year Fixed | ||||

APR^{*} |
Rate | APR^{*} |
Rate | APR^{*} |
Rate | APR^{*} |
Rate | |

0 Points | 3.5201% | 3.5000% | 3.4031% | 3.3750% | 2.7857% | 2.7500% | 2.6770% | 2.6250% |

1 Points | 3.4758% | 3.3750% | 3.3910% | 3.2500% | 2.8042% | 2.6250% | 2.7614% | 2.5000% |

2 Points | 3.4314% | 3.2500% | 3.3795% | 3.1250% | 2.8238% | 2.5000% | 2.9738% | 2.5000% |

Closing costs equal approx. 1.6% on loan amount, of which $750.00 affect APR (not including points). Loan amount assumed to be $150,000. 80% LTV. Owner occupied property.

Points | 30 Year Fixed | 20 Year Fixed | 15 Year Fixed | 10 Year Fixed | ||||

APR^{*} |
Rate | APR^{*} |
Rate | APR^{*} |
Rate | APR^{*} |
Rate | |

0 Points | 3.6657% | 3.6250% | 3.5566% | 3.5000% | 2.9468% | 2.8750% | 2.8545% | 2.7500% |

1 Points | 3.6220% | 3.5000% | 3.5453% | 3.3750% | 2.9662% | 2.7500% | 2.9399% | 2.6250% |

2 Points | 3.5784% | 3.3750% | 3.5346% | 3.2500% | 2.9866% | 2.6250% | 3.1536% | 2.6250% |

Closing costs equal approx. 2.0% on loan amount, of which $750.00 affect APR (not including points). Loan amount assumed to be $75,000. 80% LTV. Owner occupied property.

Points | 30 Year Fixed | 20 Year Fixed | 15 Year Fixed | 10 Year Fixed | ||||

APR^{*} |
Rate | APR^{*} |
Rate | APR^{*} |
Rate | APR^{*} |
Rate | |

0 Points | 3.9578% | 3.8750% | 3.8647% | 3.7500% | 3.2701% | 3.1250% | 3.2106% | 3.0000% |

1 Points | 3.9157% | 3.7500% | 3.8551% | 3.6250% | 3.2912% | 3.0000% | 3.2983% | 2.8750% |

2 Points | 3.8736% | 3.6250% | 3.8460% | 3.5000% | 3.3135% | 2.8750% | 3.5144% | 2.8750% |

Closing costs equal approx. 2.5% on loan amount, of which $750.00 affect APR (not including points). Loan amount assumed to be $35,000. 80% LTV. Owner occupied property.

Points | 30 Year Fixed | 20 Year Fixed | 15 Year Fixed | 10 Year Fixed | ||||

APR^{*} |
Rate | APR^{*} |
Rate | APR^{*} |
Rate | APR^{*} |
Rate | |

0 Points | 4.1803% | 4.0000% | 4.1241% | 3.8750% | 3.6906% | 3.3750% | 3.7071% | 3.2500% |

1 Points | 4.1396% | 3.8750% | 4.1163% | 3.7500% | 3.7146% | 3.2500% | 3.7986% | 3.1250% |

2 Points | 4.0988% | 3.7500% | 4.1092% | 3.6250% | 3.7398% | 3.1250% | 4.0193% | 3.1250% |

Jumbo loans available for $417,000 and above. Balloon loans available with terms of 3 to 7 years. Home Equity Line-of-Credit loans available at competitive variable rates. Non-owner occupied financing available. Adjustable rate mortgages available. Contact a loan officer for more information and rates.

^{*} Annual percentage rate