Pricing for loan amounts up to a maximum of $647,200 Max LTV (loan-to-value) 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 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 modified terms. Private mortgage insurance is required on all mortgages that exceed 80% LTV. 10 Year option, Investment Properties, Seasonal Financing, and First Time Homebuyer program not charged for Loan Level Price Adjustments (LLPAs). Investment Properties: (1-4 family): Max Term 30 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, 20 or 30 yr term is 50 basis points higher than the 15, 20, or 30-year rates with an additional 1/2 point. Seasonal Financing: 50 basis points higher than 20, 15 or 10 yr rates; Max Term 30 years; Max LTV 75%.- 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 a year-round basis. Construction to Permanent: +.25 basis points to rate and LLPA, Max LTV 80%. Contact a Loan Officer for more details.