Home Loans Disclosures

APR = Annual Percentage Rate. All examples below are based on a $225,000 loan amount with an LTV of 75%:

10-year fixed rate with an interest rate of 4.125% and an APR of 4.542% the monthly payment is $2,291 (includes principal and interest) for 120 months.

15-year fixed rate with an interest rate of 4.125% and an APR of 4.415% the monthly payment amount is $1,678 (includes principal and interest) for 180 months.

20-year fixed rate with an interest rate of 4.625% and an APR of 4.706% the monthly payment amount  is $1,439 (includes principal and interest) for 240 months.

30-year fixed rate with an interest rate of 4.750% and an APR of 4.810% the monthly payment amount is $1,174 (includes principal and interest) for 360 months.

5/1 adjustable rate with an interest rate of 3.750% and an APR of 4.676% the monthly payment is $1,042 for 60 months and $1,313 for 300 months.

7/1 adjustable rate with an interest rate of 4.000% and an APR of 4.509% the monthly payment is $1,074 for 84 months and $1,349 for 276 months.

10/1 adjustable rate with an interest rate of 4.125% and an APR of 4.540% the monthly payment is $1,090 for 120 months and $1,367 for 240 months.

All examples below are based on a $225,000 loan amount with an LTV of 100%:

30-year fixed rate first-time homebuyer with an interest rate of 6.000% and an APR of 6.063% the monthly payment amount is $1,349 (includes principal and interest) for 360 months.

5/5 adjustable rate first-time homebuyer with an interest rate of 4.750% and an APR of 4.808% the monthly payment is $1,174 for 60 months and $1,459 for 300 months.

Payments do not include taxes or insurance premiums. The actual payment amount will be greater. Other terms are available. All rates are based on owner occupied, one-unit, purchase transaction for members with excellent credit. Flood insurance may be required. Underwriting approval is required. Rates change daily and rates quoted are subject to change. Third party fees apply. We suggest using our Loan Consultant for a more accurate rate quote. Other terms and conditions apply and rates are not considered locked until you have received and signed a formal lock agreement. Contact us for details.

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