## Mortgage Rates |

Rates effective as of Oct 25, 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 | 3.2699% | 3.2500% | 3.0277% | 3.0000% | 2.6606% | 2.6250% | 2.5519% | 2.5000% |

1 Points | 3.2243% | 3.1250% | 3.0141% | 2.8750% | 2.5530% | 2.3750% | 2.5102% | 2.2500% |

2 Points | 3.1788% | 3.0000% | 3.0010% | 2.7500% | 2.5716% | 2.2500% | 2.7217% | 2.2500% |

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 | 3.4151% | 3.3750% | 3.1808% | 3.1250% | 2.8216% | 2.7500% | 2.7292% | 2.6250% |

1 Points | 3.3703% | 3.2500% | 3.1680% | 3.0000% | 2.7147% | 2.5000% | 2.6885% | 2.3750% |

2 Points | 3.3255% | 3.1250% | 3.1556% | 2.8750% | 2.7342% | 2.3750% | 2.9012% | 2.3750% |

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 | 3.7066% | 3.6250% | 3.4881% | 3.3750% | 3.1446% | 3.0000% | 3.0852% | 2.8750% |

1 Points | 3.6633% | 3.5000% | 3.4769% | 3.2500% | 3.0393% | 2.7500% | 3.0464% | 2.6250% |

2 Points | 3.6200% | 3.3750% | 3.4662% | 3.1250% | 3.0605% | 2.6250% | 3.2615% | 2.6250% |

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 | 3.9277% | 3.7500% | 3.7456% | 3.5000% | 3.5645% | 3.2500% | 3.5810% | 3.1250% |

1 Points | 3.8857% | 3.6250% | 3.7362% | 3.3750% | 3.4614% | 3.0000% | 3.5455% | 2.8750% |

2 Points | 3.8438% | 3.5000% | 3.7273% | 3.2500% | 3.4855% | 2.8750% | 3.7652% | 2.8750% |

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