*Important Information about these rates:
The annual percentage rate (APR) is the cost of credit over the term of the loan expressed as an annual rate.

The following conditions apply:

• The annual percentage rate (APR) is based on specified loan amount for a stated term.
• All loan applications are subject to credit and property approval.
• Normal credit qualifications apply.
• No subordinate financing permitted.
• Maximum loan limits and minimum equity/down payment requirements apply.
• Other restrictions may apply.

Rates and APRs are subject to change without notice and are affected by loan details such as your unique credit history, loan amount, loan-to-value ratio, property type, occupancy and transaction type. For adjustable rate transactions, rates are subject to increase after closing due to market-driven changes in the index.

Loans must be closed and funded (including expiration of rescission period on refinance loans) on or before the rate lock expiration date. In order to lock into an interest rate, you must submit an application and execute a rate lock agreement.