We offer a mortgage plan designed to fit your needs. Our mortgage loan officers will be happy
to meet with you to discuss the mortgage that is right for you. For your convenience we are now offering the services of a mortgage originator. Please call to set up an appointment.
As a local community bank we are proud to offer a high level of personal service for our customers. Information current as of April 21, 2008.

Complimentary Mortgage Calculator

One Year Adjustable Rate Mortgage
Rate can increase or decrease over the term of the loan.
Rate	5.00%	Index - Monthly average yield on US Treasury Securities adjusted to a constant maturity of one year.
Points	-0-	Margin – 2.25%
APR	4.311%	Caps – 2% per year; 6% lifetime Interest rate floor – 4.00%
Term	360 months	Payment per $1,000 = $5.37

5/1 Year Adjustable Rate Mortgage
Rate can increase or decrease over the term of the loan.
Rate	5.375%	Index - Monthly average yield on US Treasury Securities adjusted to a constant maturity of one year.
Points	-0-	Margin – 2.25%
APR	4.984%	Caps – 2% per year; 6% lifetime Interest rate floor – 4.75%
Term	360 months	Payment per $1,000 = $5.60

5/5 Year Adjustable Rate Mortgage
Rate can increase or decrease over the term of the loan.
Rate	5.375%	Index - Monthly average yield on US Treasury Securities adjusted to a constant maturity of five years.
Points	-0-	Margin – 2.25%
APR	5.297%	Caps – 3% per year; 6% lifetime Interest rate floor – 4.75%
Term	360 months	Payment per $1,000 = $5.60

APR- Annual Percentage Rate
Other terms available
    Rates are subject to change.

NO APPLICATION FEES

FOR MORE INFORMATION PLEASE CALL OR COME IN TO SEE A
LOAN OFFICER at one of our office locations: