## Mortgage Rates |

Rates effective as of Dec 14, 2017.

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 | 4.0207% | 4.0000% | 3.7785% | 3.7500% | 3.4113% | 3.3750% | 3.3026% | 3.2500% |

1 Points | 3.9787% | 3.8750% | 3.7680% | 3.6250% | 3.3067% | 3.1250% | 3.3894% | 3.1250% |

2 Points | 3.9367% | 3.7500% | 3.7581% | 3.5000% | 3.2021% | 2.8750% | 3.2259% | 2.7500% |

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 | 4.1669% | 4.1250% | 3.9324% | 3.8750% | 3.5730% | 3.5000% | 3.4807% | 3.3750% |

1 Points | 4.1256% | 4.0000% | 3.9227% | 3.7500% | 3.4692% | 3.2500% | 3.5685% | 3.2500% |

2 Points | 4.0844% | 3.8750% | 3.9136% | 3.6250% | 3.3654% | 3.0000% | 3.4060% | 2.8750% |

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 | 4.4603% | 4.3750% | 4.2414% | 4.1250% | 3.8976% | 3.7500% | 3.8381% | 3.6250% |

1 Points | 4.4206% | 4.2500% | 4.2334% | 4.0000% | 3.7953% | 3.5000% | 3.9281% | 3.5000% |

2 Points | 4.3810% | 4.1250% | 4.2260% | 3.8750% | 3.6931% | 3.2500% | 3.7673% | 3.1250% |

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 | 4.6857% | 4.5000% | 4.5027% | 4.2500% | 4.3212% | 4.0000% | 4.3374% | 3.8750% |

1 Points | 4.6475% | 4.3750% | 4.4966% | 4.1250% | 4.2212% | 3.7500% | 4.4314% | 3.7500% |

2 Points | 4.6093% | 4.2500% | 4.4911% | 4.0000% | 4.1213% | 3.5000% | 4.2735% | 3.3750% |

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