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Mortgages

$100 Credit—
towards closing costs and NO APPLICATION FEE; for applications completed and submitted online by June 30, 2008

Fixed-rate Mortgages

• Low fixed rates Purchase or refinance of primary residence or second home suitable for year-round occupancy
• Cash-out refinance option available
• Maximum loan-to-value ratio is 85%
• Maximum loan amount is $400,000

Adjustable-rate Mortgages (ARM)

• Adjustable-rate mortgages may increase your buying power if initial rate is lower than fixed rates
• Finance primary residences and second homes suitable for year-round occupancy
• The maximum loan-to-value ratio is 85%

7-1 Year ARM

• Fixed rate for the first seven years
• After seven years, the rate is adjusted annually
• Maximum annual interest rate adjustment of 2%

5-1 Year ARM

• Fixed rate for the first five years
• After five years, the rate is adjusted annually
• Maximum annual interest rate adjustment of 1%

1-Year ARM

• Rate adjusted annually
• Maximum annual interest rate adjustment of 1%

FREE You-win Rate Protection Program

Lock in the current interest rate for 30 days at any time after you apply.

You’re protected if the rate is higher on the day your closing documentation is prepared. Better yet, if the rate is lower on that day, you get the lower rate.

Today's Rates

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