30 Year Fixed

4.000%

4.054%APR*

15 Year Fixed

3.375%

3.469%APR*

Construction 30 Year Fixed

4.500%

4.598%APR*

5 Year Adjustable Rate

3.500%

3.134%APR*

See rate assumptions at the bottom of this page for details

Rate assumptions

Annual Percentage Rate (APR) is as of September 29, 2014 and based on an owner-occupied single family residence with a loan amount of $150,000, credit score of 740, down payment of 25% with tax and insurance escrows. Base APR is quoted and may vary depending on individual credit history and transaction. All mortgages are subject to credit review and approval. Rates subject to change without notice.

30 Year Fixed: Requires 360 monthly principal and interest payments of $726.97. Payment does not include taxes and insurance premiums. The actual payment amount will be greater.

15 Year Fixed: Requires 180 monthly principal and interest payments of $1063.14. Payment does not include taxes and insurance premiums. The actual payment amount will be greater.

Construction 30 Year Fixed: Requires 8 monthly interest only payments during the construction phase, followed by 352 monthly principal and interest payments of $760.03 after the construction phase. Payment does not include taxes and insurance premiums. The actual payment amount will be greater. The interest rate requires a 1.00% origination fee due at closing.

5 Year Adjustable Rate: Requires 60 monthly principal and interest payments of $673.57 . Payment does not include taxes and insurance premiums. The actual payment amount will be greater. After the initial 5 years, the Annual Percentage Rate and payment amount are variable and can increase or decrease once every year for the remaining life of the loan.