First Mortgage Program (owner occupied, single family) (b)

TierLTV10 Yrs.15 Yrs.20 Yrs.25 Yrs.30 Yrs.
A+90%3.00%3.05%N/AN/A3.80%
A90%3.00%3.10%N/AN/A3.85%
B85%3.10%3.20%N/AN/A3.95%
C80%3.55%4.00%N/AN/A4.45%
D,E80%4.50%4.80%N/AN/A5.40%

$1,000 Closing Cost Credit allowance for New Mortgages

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(b) $350 Non-Refundable Application Fee Required up to 90% Loan to Value Financing (LTV) $417,000 max 1st mortg loan. Minimum loan/line of credit $5,000; No annual fees. 31-day Rate-Lock

(ALL RATES ARE QUOTED IN APR ANNUAL PERCENTAGE RATE)