## Mortgage Rates |

Rates effective as of Oct 1, 2015.

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 | 3.6453% | 3.6250% | 3.4031% | 3.3750% | 2.9108% | 2.8750% | 2.8022% | 2.7500% |

1 Points | 3.6015% | 3.5000% | 3.3910% | 3.2500% | 2.8042% | 2.6250% | 2.8870% | 2.6250% |

2 Points | 3.5577% | 3.3750% | 3.5057% | 3.2500% | 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 | 3.7910% | 3.7500% | 3.5566% | 3.5000% | 3.0720% | 3.0000% | 2.9797% | 2.8750% |

1 Points | 3.7479% | 3.6250% | 3.5453% | 3.3750% | 2.9662% | 2.7500% | 3.0656% | 2.7500% |

2 Points | 3.7049% | 3.5000% | 3.6609% | 3.3750% | 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 | 4.0834% | 4.0000% | 3.8647% | 3.7500% | 3.3956% | 3.2500% | 3.3361% | 3.1250% |

1 Points | 4.0419% | 3.8750% | 3.8551% | 3.6250% | 3.2912% | 3.0000% | 3.4242% | 3.0000% |

2 Points | 4.0004% | 3.7500% | 3.9726% | 3.6250% | 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 | 4.3067% | 4.1250% | 4.1241% | 3.8750% | 3.8167% | 3.5000% | 3.8331% | 3.3750% |

1 Points | 4.2665% | 4.0000% | 4.1163% | 3.7500% | 3.7146% | 3.2500% | 3.9252% | 3.2500% |

2 Points | 4.2264% | 3.8750% | 4.2365% | 3.7500% | 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