## Mortgage Rates |

Rates effective as of Sep 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 | 3.7704% | 3.7500% | 3.5283% | 3.5000% | 3.0360% | 3.0000% | 2.8022% | 2.7500% |

1 Points | 3.7272% | 3.6250% | 3.5167% | 3.3750% | 2.9298% | 2.7500% | 2.8870% | 2.6250% |

2 Points | 3.6840% | 3.5000% | 3.5057% | 3.2500% | 2.9499% | 2.6250% | 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 | 3.9163% | 3.8750% | 3.6819% | 3.6250% | 3.1973% | 3.1250% | 2.9797% | 2.8750% |

1 Points | 3.8738% | 3.7500% | 3.6711% | 3.5000% | 3.0919% | 2.8750% | 3.0656% | 2.7500% |

2 Points | 3.8314% | 3.6250% | 3.6609% | 3.3750% | 3.1129% | 2.7500% | 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 | 4.2090% | 4.1250% | 3.9903% | 3.8750% | 3.5211% | 3.3750% | 3.3361% | 3.1250% |

1 Points | 4.1681% | 4.0000% | 3.9812% | 3.7500% | 3.4173% | 3.1250% | 3.4242% | 3.0000% |

2 Points | 4.1273% | 3.8750% | 3.9726% | 3.6250% | 3.4400% | 3.0000% | 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 | 4.4330% | 4.2500% | 4.2503% | 4.0000% | 3.9428% | 3.6250% | 3.8331% | 3.3750% |

1 Points | 4.3935% | 4.1250% | 4.2431% | 3.8750% | 3.8413% | 3.3750% | 3.9252% | 3.2500% |

2 Points | 4.3540% | 4.0000% | 4.2365% | 3.7500% | 3.8669% | 3.2500% | 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