Lending Rates

ARM = Adjustable Rate Mortgage
LTV = Loan-to-value

1 APR = Annual Percentage Rate. APR is your cost over the loan term expressed as a rate.
2 Stated APR for LTV programs 100% or less is based on a purchase transaction with a loan amount of $150,000 for a maximum term allowed for each program. Stated APR for LTV above 100% is based on a refinance transaction with a loan amount of $150,000 for a maximum term allowed for each program.
3 Stated APR based on a loan amount of $150,000 for a maximum term allowed for each loan.
4 Rate cannot change by more than 2% every 5 years or 6% over the life of the loan. Future interest rate changes will be determined based on the 5-year Constant Maturity Treasury (CMT) yield.
5 The interest paid on the portion of the loan that is greater than the value of the dwelling is not tax deductible for Federal income tax purposes. Consult a tax advisor for further information regarding the deductibility of interest and charges.
6 Variable rate is subject to change quarterly.
7 Interest on balance transfers and cash advances begins to accrue at the time of transaction. See the Visa Cardholder Agreement for more information.
8 Rate rounded up to the nearest 0.25%.