INTEREST RATES SUBJECT TO CHANGE WITHOUT NOTICE AND ARE BASED ON THIRTY (30) DAY LOCK PERIODS.  LONGER LOCK PERIODS ARE AVAILABLE, BUT MAY BE SUBJECT TO HIGHER RATES AND/OR DISCOUNT POINTS.  ALL APPLICANTS MAY NOT QUALIFY FOR ADVERTISED RATES.  NOT A GUARANTEE OF LOAN APPROVAL.  CALL FOR RATES & TERMS ON LOAN PRODUCTS NOT LISTED ABOVE. 

THE ABOVE ANNUAL PERCENTAGE RATES (APR) AND MONTHLY PAYMENTS ARE BASED ON: (1) OWNER OCCUPANCY OF HOME AND (2) A PURCHASE PRICE (OR VALUE) OF $187,500 OR MORE, A LOAN MOUNT OF $150,000 (EQUITY OF 20%) (WITH THE EXCEPTION OF THE ZERO DOWN LOAN, WHICH IS 0% EQUITY, PURCHASE PRICE AND LOAN AMOUNT $150,000), THE CORRESPONDING RATE & TERM LISTED, MONTHLY PAYMENTS EXCLUDE PROPERTY TAXES, INSURANCE, AND MORTGAGE INSURANCE (IF APPLICABLE).  THESE MAY BE REQUIRED IN YOUR MONTHLY PAYMENT, HOWEVER.  MORTGAGE INSURANCE (PMI) MAY BE REQUIRED WITH LESS THAN 20% EQUITY.  LOANS WITH DIFFERING PURCHASE PRICES, LOAN AMOUNTS, EQUITY (DOWN PAYMENT), AND TERMS ARE AVAILABLE. HOWEVER, INTEREST RATES, ANNUAL PERCENTAGE RATES AND MONTHLY PAYMENTS MAY DIFFER.  FOR MORE INFORMATION ON LOAN PRODUCTS, GO TO THE "PRODUCTS" TAB ABOVE. 

"POINTS" REFERS TO DISCOUNT POINTS WHICH MAY BE REQUIRED AS PER AMOUNTS LISTED ABOVE.  THESE ARE A PERCENTAGE OF THE LOAN AMOUNT, AND ARE PAID AT CLOSING.