Be sure to try our mortgage rate calculators at the bottom of the page.

Mortgage Rates

...as of Saturday, July 4, 2009, 8:18 a.m.

---

First Time Home Buyers please click here for further information

---

Fixed Rate Mortgages

1.	Term	1-10 years
	Interest Rate-----4.7500%	*A.P.R.-----5.0056%
	Loan To Value	up to 80% (up to 95% for a First Time Home Buyer)
	Origination Fee	1 Percent
2.	Term	11-15 years
	Interest Rate-----5.0000%	*A.P.R.-----5.1520%
	Loan To Value	up to 80% (up to 95% for a First Time Home Buyer)
	Origination Fee	1 Percent
	Repayment Clause	Payment may increase by 3% annually
3.	Term	16-20 years
	Interest Rate-----5.5000%	*A.P.R.-----5.6222%
	Loan To Value	up to 80% (up to 95% for a First Time Home Buyer)
	Origination Fee	1 Percent
	Repayment Clause	Payment may increase by 3% annually

*The above fixed rate packages are available at a 0.50% higher rate without the orgination fee.

**1 Year Adjustable Rate Mortgage

Discounted by 1.0% until the first scheduled adjustment period

1.	Term	up to 30 years
	Interest Rate-----3.5000%	*A.P.R.-----4.4116%
	Loan To Value	up to 80% (up to 95% for a First Time Home Buyer)
	Origination Fee	NONE
	Index	One Year Treasury Securities Average Weekly Yield plus 2.50% rounded to nearest 1/4%
	Ceiling	2% per change - 6% total
	Floor	3.50%
	Adjustment Period	One year

**3 Year Adjustable Rate Mortgage

1.	Term	up to 30 years
	Interest Rate-----4.5000%	*A.P.R.-----4.5000%
	Loan To Value	up to 80% (up to 95% for a First Time Home Buyer)
	Origination Fee	NONE
	Index	One Year Treasury Securities Average Weekly Yield plus 2.50% rounded to nearest 1/4%
	Ceiling	2% per change - 5% total
	Floor	4.50%
	Adjustment Period	Three years

Monthly Flex Home Equity Line of Credit

1.	Interest Rate-----3.2500%	A.P.R.-----3.2500
	Index	Prime Rate
	Term	Open-ended
	Loan To Value	First Mortgage with ACBLA up to 80%; First Mortgage elsewhere up to 50%
	Adjustment Period	Monthly
	Floor	3.00%

Five Year Secure Home Equity Line of Credit

To learn more on this product click here.

1.	Interest Rate-----4.2500%	A.P.R.-----4.2500
	Index	Prime Rate plus 0.50%
	Term	Open-ended
	Loan To Value	First Mortgage with ACBLA up to 80%; First Mortgage elsewhere up to 50%
	Adjustment Period	5 Years
	Floor	4.25%

*The Annual Percentage Rates (APR) displayed assume a loan amount of $50,000, 20% down payment, 30 days prepaid interest and a credit score of 660 or better. Applicants with lower credit scores are subject to different rate packages.

**Refinancing of Adjustable Rate Mortgages Might Be Subject To A 1% Origination Fee

---

~ A $165.00 Fee To Cover Credit Investigation And Appraisal Will Be Collected At The Time Of Application.

~ Non-Owner Occupied Residential Mortgages Will Be Available In All The Above Plans At A 1% Higher Rate.

~ All Rates And Terms Are Subject To Change Without Notice, So Periodically Check This Rate Sheet Or Call For Latest Quotes.

---

Calculators

Calculate the monthly payment of a mortgage:

Principal
Annual Rate	(ex. 8.25%)
Months

Mortgage Amortization Chart

Principal
Annual Rate	(ex. 8.25%)
Months