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Mortgage Rates

1. Fixed Rate Mortgages - Owner Occupied*
(Effective: May 16, 2012)
Program
 		Term
 		Interest Rate
 		Points
 		APR
 		Monthly Payments
per $1000 borrowed
10-Year Fixed
(Up to $1,500,000)
10 years
2.990%
 		0 3.044%
 		$9.65
15-Year Fixed
(Up to $1,500,000)
15 years
3.625%
 		0 3.667%
 		$7.21
15-Year Fixed
(Above $1,500,000)
15 years
4.625%
 		0 4.674%
 		$7.71
20 Year Fixed
(Up to $1,500,000 )
20 years
3.990%
 		0 4.025%
 		$6.05
20 Year Fixed
(Above $1,500,000 )
20 years
4.990%
 		0 5.031%
 		$6.59
30-Year Fixed
(Up to $1,500,000)
30 years
4.490%
 		0 4.518%
 		$5.06
30-Year Fixed
(Above $1,500,000)
30 years
5.250%
 		0 5.282%
 		$5.52
*Annual Percentage Rate (APR) subject to change without notice. Minimum down payment 20%. Payments noted do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation may be greater. Property insurance is required. Subject to credit approval.


2. Premier Mortgage - Owner Occupied*
(Effective: May 16, 2012)
Program
 		Term
 		Interest Rate
 		Points
 		APR
 		Monthly Payments
per $1000 borrowed
30-Year Fixed
(Up to $1,500,000)
30 years
4.250%
 		0 4.276%
 		$4.92
30-Year Fixed
(Above $1,500,000)
30 years
4.875%
 		0 4.905%
 		$5.29
*Exclusively for owner-occupied 1-4 family properties. Annual Percentage Rate (APR) subject to change without notice. Minimum down payment 30%. Payments noted do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation may be greater. Property insurance is required. Subject to credit approval.


3. Adjustable Rate Mortgages - Owner Occupied*
(Effective: May 16, 2012 )
Program
 		Term
 		Interest Rate
 		Points
 		APR
 		Monthly Payments
per $1000 borrowed
7/1 ARM First Time Home Buyer
35 years
3.990%
 		0 3.554%
1   to  84 months   $4.77
85   to  419 months   $4.37
420 months   $4.35
5/1 ARM
30 years
3.000%
 		0 3.102%
1   to  60 months   $4.22
61   to  359 months   $4.27
360 months   $4.25
*Our adjustable rate mortgages offer an initial interest rate that is fixed for either a 10, 7, 5 or 3 year period depending on the product chosen. After that period, and every year thereafter, the interest rate can adjust based on current market conditions. Each adjustment has a 2% change cap and a 6% lifetime change cap. Annual Percentage Rate (APR) subject to change without notice. Assumes 20% down. Payments noted do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation may be greater. Property insurance is required. Subject to credit approval. 7/1 ARM First Time Home Buyer product is available with less than 20% down payment with PMI.


4. Second Home Mortgages - Owner Occupied*
(Effective: May 16, 2012)
Program
 		Term
 		Interest Rate
 		Points
 		APR
 		Monthly Payments
per $1000 borrowed
10-Year Fixed
($150,000 up to $750,000)
10 years
3.490%
 		0 3.549%
120 months   $9.88
15-Year Fixed
(Up to $750,000)
15 years
4.125%
 		0 4.171%
180 months   $7.46
15-Year Fixed
(Above $750,000)
15 years
5.125%
 		0 5.178%
180 months   $7.97
20 Year Fixed
(Up to $750,000)
20 years
4.490%
 		0 4.528%
240 months   $6.32
20 Year Fixed
(Above $750,000)
20 years
5.490%
 		0 5.534%
240 months   $6.87
30-Year Fixed
(Up to $750,000)
30 years
4.990%
 		0 5.020%
360 months   $5.36
30-Year Fixed
(Above $750,000)
30 years
5.750%
 		0 5.784%
360 months   $5.84
5/1 ARM
30 years
3.500%
 		0 3.278%
1   to  60 months   $4.49
61   to  359 months   $4.31
360 months   $4.30
*Our adjustable rate mortgages (ARMs) offer an initial interest rate that is fixed for either a 10,5 or 3 year period depending on the product chosen. After that period, and every year thereafter, the interest rate can adjust based on current market conditions. Each adjustment has a 2% change cap and a 6% lifetime change cap. Annual Percentage Rate (APR) subject to change without notice. Assumes 20% down. Payments noted do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation may be greater. Property insurance is required. Subject to credit approval.


5. Home Equity Lines of Credit - Owner Occupied*
(Effective: May 16, 2012)
Program
 		Interest Rate
 		APR
Home Equity Line ($500,000 and Below)*
3.250%
 		3.250%
Home Equity Line ($501,000 - $750,000)
(Based on the Prime Rate as published in The Wall Street Journal plus 1.0%.)
4.250%
 		4.250%
*Annual Percentage Rate (APR) subject to change without notice. Variable rate loan with a 10year draw/10year repayment. Please see Important Terms Disclosure. Property insurance required. Please consult your tax advisor regarding deductability of interest. Borrowers are required to pay all closing costs. Home Equity Line of Credit rate is based on the Prime Rate as published in The Wall Street Journal and will never exceed 18%. The minimum payment is $100.00. Subject to credit approval. Other terms and conditions apply. Wall Street Journal Prime Rate as of 2/28/11 is 3.25%.


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