Mortgage Rates

Effective September 3, 2009
(Rates subject to change at any time.)

MORTGAGE RATE SCHEDULE
CONVENTIONAL/OWNER OCCUPIED
NON-REFUNDABLE APPLICATION FEES SINGLE FAMILY $450.00 2-4 FAMILY UNITS $550.00

PROGRAMS	INTEREST RATE	POINTS	ANNUAL PERCENTAGE RATE
30 Year Fixed
80% LTV*	5.25%	0	5.50%
70% LTV*	5.125%	0	5.375%
20 Year Fixed
80% LTV*	5.125%	0	5.375%
70% LTV*	5.00%	0	5.25%
15 Year Fixed
80% LTV*	5.00%	0	5.25%
70% LTV*	5.00%	0	5.25%
First-Time Homebuyer Rate 30 Year Fixed
80% LTV*	5.125%	0	5.375%
15 Year Balloon / 30 - Year Amortization
70% LTV*	4.875%	0	5.125%
80% LTV*	4.75%	0	5.00%
For Example: A 360 year, $100,000.00 loan at 5.50% APR: 360 payments of $552.42
CONVENTIONAL MORTGAGE REQUIREMENTS All rates apply to owner-occupied 1-4-units. The bank has the option of requesting a 1% commitment fee at time of commitment. If transaction does not close, this fee in non-refundable. First-time Homebuyer rates available. Rates locked in at the time of application (45 days for refinances - 60 days for purchases). On purchases, an additional 30 day lock is available for a nonrefundable¼ of 1.00% fee paid at commitment. Above rates apply to loan amounts up to $350,000.00. * Loan To Value