## Mortgage Rates |

Rates effective as of Nov 25, 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 | 3.8956% | 3.8750% | 3.6534% | 3.6250% | 3.0360% | 3.0000% | 2.9273% | 2.8750% |

1 Points | 3.8530% | 3.7500% | 3.6423% | 3.5000% | 3.0554% | 2.8750% | 3.0126% | 2.7500% |

2 Points | 3.8104% | 3.6250% | 3.6319% | 3.3750% | 2.9499% | 2.6250% | 3.0999% | 2.6250% |

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 | 4.0416% | 4.0000% | 3.8072% | 3.7500% | 3.1973% | 3.1250% | 3.1050% | 3.0000% |

1 Points | 3.9997% | 3.8750% | 3.7969% | 3.6250% | 3.2177% | 3.0000% | 3.1913% | 2.8750% |

2 Points | 3.9579% | 3.7500% | 3.7873% | 3.5000% | 3.1129% | 2.7500% | 3.2798% | 2.7500% |

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 | 4.3347% | 4.2500% | 4.1158% | 4.0000% | 3.5211% | 3.3750% | 3.4616% | 3.2500% |

1 Points | 4.2944% | 4.1250% | 4.1073% | 3.8750% | 3.5433% | 3.2500% | 3.5502% | 3.1250% |

2 Points | 4.2541% | 4.0000% | 4.0993% | 3.7500% | 3.4400% | 3.0000% | 3.6409% | 3.0000% |

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 | 4.5594% | 4.3750% | 4.3765% | 4.1250% | 3.9428% | 3.6250% | 3.9592% | 3.5000% |

1 Points | 4.5205% | 4.2500% | 4.3698% | 4.0000% | 3.9679% | 3.5000% | 4.0517% | 3.3750% |

2 Points | 4.4817% | 4.1250% | 4.3638% | 3.8750% | 3.8669% | 3.2500% | 4.1464% | 3.2500% |

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