First Mortgage Assumptions

	Rates may be higher for loan amounts under $100,000 and over $650,000. Please call for details.
	Available first mortgage rates and fees may vary depending on your property's location.
	Rates are subject to change without notice.
	Closing Costs assume that borrower will escrow monthly property tax and insurance payments.
	Restrictions may apply.
	Subject to underwriter approval; not all applicants will be approved.
	Fees and charges apply.
	Taxes and insurance are extra.
	On refinance transactions, the Annual Percentage Rate (APR) calculations assume a rate and term refinance.
	APR assumes 15 days prepaid interest.
	Annual Percentage Rate (APR) calculations assume no subordinate financing and that the borrower will provide full income documentation.
	Monthly Payment per $1,000 and Monthly Payment calculations include principal and interest ONLY. PMI (Private Mortgage Insurance), hazard insurance, property taxes, state taxes, mortgage taxes, homeowner's association dues, and any other recurring costs are not included.
	Annual Percentage Rate (APR) calculations assume single-family, detached, owner-occupied primary residence; a loan-to-value ratio of less than 90%; a minimum FICO score of 680; and a loan amount of $200,000 for conforming loans or $650,000 for jumbo loans, unless otherwise specified.

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Home Equity Line of Credit

	Payments are monthly based on loan term. For example, 25 years equals 300 monthly payments.
	Total debt ratio below 45%.
	Rates are subject to change without notice.
	Restrictions may apply.
	Subject to underwriter approval; not all applicants will be approved.
	Fees and charges apply.
	Taxes and insurance are extra. Property insurance required.
	Not available in all states.
	Minimum draw requirements in some states.
	The Annual Percentage Rates in the example may increase or decrease since this Annual Percentage Rate is tied to the Prime Rate as quoted in the Wall Street Journal and the Annual Percentage Rate will adjust (increase or decrease) when the Prime Rate changes.
	If CLTV is less than or equal to 90%, then 15 year draw period with a 10 year repayment period. If CLTV is greater than 90%, then 5 year draw period with a 10 year repayment period.
	There may be an annual fee unless prohibited or otherwise restricted by State Law.
	The maximum Annual Percentage Rate (APR) is 18% or the maximum Annual Percentage Rate allowed by applicable law, whichever is less.
	Annual Percentage Rate (APR) calculations assume that the borrower will provide full income documentation.
	Monthly Payment is based on a draw of the full line of credit amount.

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Fixed Home Equity Loan

	Payments are monthly based on loan term. For example, 25 years equals 300 monthly payments.
	Total debt ratio below 45%.
	Rates are subject to change without notice.
	Restrictions may apply.
	Subject to underwriter approval; not all applicants will be approved.
	Fees and charges apply.
	Taxes and insurance are extra.
	Not available in all states.
	Annual Percentage Rate (APR) assumes 15 days prepaid interest.
	Annual Percentage Rate (APR) calculations assume that the borrower will provide full income documentation.
	Monthly Payment calculations include principal and interest ONLY. PMI (Private Mortgage Insurance), hazard insurance, property taxes, state taxes, mortgage taxes, homeowner's association dues, and any other recurring costs are not included.

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