Adjustable-Rate 
Example

4.375% Interest Rate, 4.469% APR, example includes 0 discount point: A $150,000 mortgage loan, with a LTV below 80% will be paid in 360 monthly installments. Customary closing costs are included in the example and includes 0% discount point, and third party fees, excludes title insurance. There will be a payment of $748.95. Your APR will vary based on your final loan amount and finance charges. APR with lower down payments and refinances may vary. Offer subject to credit and underwriting guidelines.

For refinances: Borrower is responsible for paying all costs related to the existing loan (for example, payoff demand, reconveyance fee and/or any prepayment penalty imposed by existing lender). The borrower is responsible for payment of per diem interest, payment of property taxes, and insurance premiums (if due). Loans with LTVs greater than 80% may require mortgage insurance that will increase monthly payment.