Loan Rates - Last Updated: 3 December 2018

Conventional Real Estate Mortgages

Account Type	Rate/APR	Points	Loan to Value %	Max Term	Index	Caps
3 Year ARM	4.50%	0 Res	85%	25 yrs	National Average	Life: Max+6%, Min4.0%
3 Year ARM	7.50%	0 Rental	70%		Mtg. Contract Rate	Life: Max+6%, Min5%
5 Year ARM	4.50%	0 Res	85%	25 yrs	National Average	Life: Max+6%, Min4.0%
5 Year ARM	7.75%	0 Rental	70%		Mtg. Contract Rate	Life: Max+6%, Min5%
Fixed Rate	5.25%	0 Res	85%	15 yrs
Fixed Rate	8.00%	0 Rental	70%	15 yrs
Fixed Rate	5.75%	0 Res	85%	20 yrs
Fixed Rate	8.50%	0 Rental	70%	20 yrs
Fixed Rate	5.90%	0 Res	85%	25 yrs
Fixed Rate	9.50%	0 Rental	70%	25 yrs

Home Equity Lines of Credit

Account Type	Rate/APR	Points	Loan to Value %	Max Term	Index	Caps
HELC	%	0	85%	5 yr Renewable	Prime+ 1.50	Life: Max+6%, Min4%

Consumer Loans

Account Type	Rate/APR	Points	Loan to Value %	Max Term	Index	Caps
Home Improvement	9.00%	Sec	100%	10 yrs		Max 20,000
Home Improvement	14.00%	Unsec	100%	10 yrs		Max 20,000
Auto - New	3.50%	Sec	100% of INV OR NADA RETAIL	6 yrs		2018 - 2016
Auto - Used	5.50%	Sec	100% of INV OR NADA RETAIL	5 yrs		2015 - 2013
Auto - Used	6.75%	Sec	100% of INV OR NADA RETAIL	4 yrs		2012 - Older
Other	6.50%	Sec	100%	7-9 yrs
Other	7.00%	Sec	100%	10-12 yrs
Other	7.50%	Sec	100%	13-15 yrs
Other	12.00%	Unsec		5 yrs
Fixed Deposit	4.5%	Sec	90%	1-10 yrs

Closing Costs (Estimated)

Loan Origination Fee		400
Points	N/A
Cert. Appraisal Fee		400
Escrow Deposit
Attorneys Fees
Abstract Fees
Title Insurance	Optional
Recording Fees
Mortgage Tax
Survey	Optional
HELC / HELC INC.		400 + Mtg Tax