Real Estate Loans

1. Up to 100% LTV with Home Equity Protection Program. Higher rates may apply. Subject to approval.

2. Annual Percentage Rate (APR) is accurate as of the date mentioned above. This rate schedule states rates applicable to specified accounts. All rates are subject to change and based on 80% LTV. For information, contact the mortgage department.

3. Example is based on payment per $1,000 for loan amount of $150,000.

4. APR can increase or decrease after the initial ARM term.

5.  All 1st Mortgage Jumbo Loans Fixed and Arm over $806,500.00 add .75% to the interest rate which will affect the apr.

1. Up to 100% LTV with Home Equity Protection Program. Higher rates may apply. Subject to approval.

2. Annual Percentage Rate (APR) is accurate as of the date mentioned above. This rate schedule states rates applicable to specified accounts. All rates are subject to change and based on 80% LTV. For information, contact the mortgage department.

3. Example is based on payment per $1,000 for loan amount of $150,000.

4. APR can increase or decrease after the initial ARM term.

5.  All 1st Mortgage Jumbo Loans Fixed and Arm over $806,500.00 add .75% to the interest rate which will affect the apr.

1. Up to 100% LTV with Home Equity Protection Program. Higher rates may apply. Subject to approval.

2. Annual Percentage Rate (APR) is accurate as of the date mentioned above. This rate schedule states rates applicable to specified accounts. All rates are subject to change and based on 80% LTV. For information, contact the mortgage department.

3. Example is based on payment per $1,000 for loan amount of $150,000 .

1. Up to 90% LTV with Home Equity Protection Program. Higher rates may apply. Subject to approval.

2.  Annual Percentage Rate (APR) is accurate as of the date mentioned above. This rate schedule states rates applicable to specified accounts. All rates are subject to change and based on 80% LTV. For information, contact the mortgage department.

3. Interest only payments. Rate is based on PRIME rate and floats daily.

1. Annual Percentage Rate (APR) is accurate as of the date mentioned above. This rate schedule states rates applicable to specified accounts. All rates are subject to change. For information, contact the mortgage department.

2. Example is based on payment per $1,000 for loan amount of $150,000.

3. Construction rate is fixed for a twelve-month building period; Construction loans may be modified to a mortgage product after a 12-month period. A balloon payment for $1,085.38 would be due based on payment example if the construction loan is not modified to a mortgage loan.

1. Annual Percentage Rate (APR) is accurate as of the date mentioned above. This rate schedule states rates applicable to specified accounts. All rates are subject to change. For information, contact the mortgage department.

2. Example is based on payment per $1,000 for loan amount of $150,000.

* Minumum loan amount for 15 year term is $50,000. 75% LTV.