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APR=Annual Percentage Rate. Rates, terms and conditions are subject to change and may vary based on credit worthiness, qualifications and collateral conditions. All loans are subject to approval. For a $200,000 loan with a 20% down payment at 4.68% APR for a 30 year term, the monthly payment would be $827.90 (excluding property tax and insurance); for a $200,000 loan with a 20% down payment at 4.28% APR for a 15 year term, the monthly payment would be $1,206.08 (excluding property tax and insurance). 1% Origination Fee may apply.

3The initial payment on a 30 year, $200,000, five year adjustable-rate loan at 4.47% and 80% loan-to-value (LTV) is $807.85 with zero points due at closing. The Annual Percentage Rate (APR) is 4.47%. After the initial five years, the principal and interest payment will adjust. The index rate is based on daily one year Treasury Index with a margin of 1.85% in effect for the remaining 25 years and can change once every year for the remaining life of the loan. Payment does not include taxes and insurance premiums. The actual payment amount will be greater. Rate is variable and subject to change after five years.