## Mortgage Rates |

Rates effective as of May 2, 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% | 3.2780% | 3.2500% | 2.6606% | 2.6250% | 2.6770% | 2.6250% |

1 Points | 3.3500% | 3.2500% | 3.2654% | 3.1250% | 2.6786% | 2.5000% | 2.7614% | 2.5000% |

2 Points | 3.3051% | 3.1250% | 3.3795% | 3.1250% | 2.8238% | 2.5000% | 2.8477% | 2.3750% |

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% | 3.4314% | 3.3750% | 2.8216% | 2.7500% | 2.8545% | 2.7500% |

1 Points | 3.4961% | 3.3750% | 3.4195% | 3.2500% | 2.8404% | 2.6250% | 2.9399% | 2.6250% |

2 Points | 3.4519% | 3.2500% | 3.5346% | 3.2500% | 2.9866% | 2.6250% | 3.0274% | 2.5000% |

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% | 3.7392% | 3.6250% | 3.1446% | 3.0000% | 3.2106% | 3.0000% |

1 Points | 3.7895% | 3.6250% | 3.7290% | 3.5000% | 3.1652% | 2.8750% | 3.2983% | 2.8750% |

2 Points | 3.7468% | 3.5000% | 3.8460% | 3.5000% | 3.3135% | 2.8750% | 3.3880% | 2.7500% |

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% | 3.9979% | 3.7500% | 3.5645% | 3.2500% | 3.7071% | 3.2500% |

1 Points | 4.0126% | 3.7500% | 3.9896% | 3.6250% | 3.5880% | 3.1250% | 3.7986% | 3.1250% |

2 Points | 3.9713% | 3.6250% | 4.1092% | 3.6250% | 3.7398% | 3.1250% | 3.8923% | 3.0000% |

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