Fixed Rate Mortgages

PURCHASE - Max LTV - 95%
FIXED RATE APR's ARE BASED ON A 80% LTV
REFINANCE - Max LTV 80% -- Cash Out REFINANCE - Max LTV 70%
Rates are subject to change without notice.

Rates as of Thursday, May 10, 2012
Interest Rate	Annual Percentage Rate	Points	Payment per $1,000	Payments	Apply
30 Year Fixed Rate Mortgage
3.750%	3.925%	1.000	$4.63	Show Payments and Rates
3.875%	3.967%	0.000	$4.70	Show Payments and Rates
20 Year Fixed Rate Mortgage
3.625%	3.868%	1.000	$5.86	Show Payments and Rates
3.750%	3.878%	0.000	$5.93	Show Payments and Rates
15 Year Fixed Rate Mortgage
3.000%	3.307%	1.000	$6.91	Show Payments and Rates
3.125%	3.286%	0.000	$6.97	Show Payments and Rates
10 Year Fixed Rate Mortgage
3.000%	3.446%	1.000	$9.66	Show Payments and Rates
3.125%	3.359%	0.000	$9.71	Show Payments and Rates
10 Year Fixed CSB Portfolio
4.250%	4.271%	0.000	$10.24	Show Payments and Rates

The Conventional Fixed interest rates are subject to change based on Secondary Market Guidelines. The interest rate, A.P.R. and fees may vary depending upon loan amount, points, loan purpose and your credit score.
The A.P.R’s listed above are based on a $100,000.00 owner occupied purchase transaction, with a credit score of 700. The secondary market fee for this example would be $1,000.00.
Other rates and points options are available upon request.
Fixed Rate mortgages (except the 10 Year Fixed CSB Portfolio Rate) are intended for sale on the secondary market and must meet investor guidelines.
Loans with a loan-to-value ratios greater than 80% require private mortgage insurance. The monthly payments do not include taxes and insurance.