| Mortgage Rates |
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First Mortgage Loans
| Available Mortgages | Years | Type | APR* | Points |
| First | 10 | Fixed Rate | 4.375% | 0 |
| First | 15 | Fixed Rate | 4.500% | 0 |
| First | 20 | Fixed Rate | 5.000% | 0 |
| First | 30 | Fixed Rate | 5.125% | 0 |
| First | (3-1) | Adjustable (ARM) | N/A | 0 |
| First | (5-1) | Adjustable (ARM) | N/A | 0 |
Land Loans
| Available Land Loans | Years | Type | APR* | Points |
| Land loan | 12 | Fixed Rate | 10.500% | N/A |
Home Equity Loans
| Available Home Equity Loans | Years | Type | APR* As Low As |
| Home Equity | 5 | Fixed Rate | 5.000% |
| Home Equity | 10 | Fixed Rate | 6.000% |
| Home Equity | 15 | Fixed Rate | 6.250% |
| Home Equity | 20 | Fixed Rate | 6.500% |
| Home Equity LIne of Credit | Open | Variable Rate*** | 4.000% |
| * |
APR=Annual Percentage Rate. All rates are subject to
change without notice. |
| ** |
APR=Annual Percentage Rate. Rates are based on the
loan-to-value, term of loan and creditworthiness. Home Equity Rates listed are
based on a 80% loan-to-value. Other rates and terms are available. All loan
approvals are subject to normal underwriting guidelines. Rates include a .25%
discount for automatic payments. |
| *** |
Home Equity Line of Credit is based on a 20 year term
at a 80% loan-to-value. The APR will be indexed to the Prime Rate -.75%. The
index used to determine the APR will be the Prime Rate found in the Money Rates
Section of the Wall Street Journal published on the first working day of the
month. The APR will then be adjusted on the first of the following month. Other
rates and terms are available.
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