Rates current as of 11/1/2008
| 80% Loan To Value Up to $300,000 |
| 5 Years |
As low as 5.50%* |
$18.88 |
| 10 Years |
As low as 6.00%* |
$10.86 |
| 15 Years |
As low as 6.25%* |
$ 8.31 |
| 90% Loan To Value Up to $300,000 |
| 5 Years |
As low as 6.50%* |
$19.34 |
| 10 Years |
As low as 7.00%* |
$11.36 |
| 15 Years |
As low as 7.25%* |
$ 8.86 |
| 100% Loan To Value Up to $25,000 |
| 5 Years |
As low as 9.00% |
$20.52 |
| 10 Years |
As low as 9.00%* |
$12.41 |
| Home Equity LOC*** Draw Repayment |
| Up to 90% LTV |
As low as Prime Rate** –1.00%
(Currently 4.00%) |
Variable rate, 10 Year
period/15 Year |
*APR = Annual Percentage Rate
Home Loan closing costs are waived unless line is closed within 2 years of opening. Costs range from $96.00 - $304.00. *Rates quoted as of 10/01/08 and subject to change. Interest rates are determined by the borrower’s credit history. Stated rates are the lowest rates offered and include a .25% discount for automatic payment. Other rates and terms are available. **Prime Rate as reported in the Wall Street Journal 10 days prior to the last day of the month, currently 5.00%.***HELOC interest rate will never drop lower than 4.75% or go higher than 18.00%. Percentage rate increases are limited to not more than 2% annually and 6% over the life of the loan. $35 annual fee applies to all HELOC loan products
