Pricing for loan amounts up to maximum of $750,000, Max LTV 95%. Annual Percentage Rate (APR) is based on a $100,000.00 loan. Payment per $10,000 does not include taxes and insurance. Your payment will be greater. MAX LTV (loan-to-value) is based on the lesser of the sale price (if purchase) or appraised value. Homes for sale ineligible. If property held in trust, trust review fee of $300 and attorney closing fees (Estimated $675) will apply. First Time Homebuyer programs available at reduced rates and higher LTV's. Private mortgage insurance is required on all mortgages that exceed 80% LTV. 10 Year option, Investment Properties, Seasonal Financing, Bridge Loans, and First Time Homebuyer program not charged for Loan Level Price Adjustments (LLPAs). Investment Properties: (1-4 family): Max Term 20 years, Max LTV 75% (Lead test may be required for all non-owner occupied units built prior to 1978). 10 year term is 50 basis points higher than the 10 year rate listed. 15 or 20 yr term is 50 basis points higher than the 15 or 20 year rates with an additional 1/2 point. Seasonal Financing: 50 basis points higher than 20, 15 or 10 yr rates; Max Term 20 years; Max LTV 75%. Bridge Loan: 50 basis points higher than the zero point 30 yr conventional or jumbo FRM with 1/ 2 point (min $500); Max LTV 75%, Max Term 1 yr, Interest only, paid in arrears. Rates for FRMs over $750,000 are priced upon request. Owner-Occupied Purchase Upon Completion, Second Home, and Construction to Permanent are subject to LLPAs. 120 day rate lock available for Purchase Upon Completion. Second Home must have functional heating/utilities on year round basis. Construction to Permanent: +25 basis points to rate and LLPA, Max LTV 75%. Contact a Loan Officer for more details.