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Rates effective July 3, 2008

(subject to change without notice)


Home Equity and Improvement Loans

 Max Loan to Value   Loan Amount   Rate/Annual Percentage Rate (APR)*   Term   Initial Monthly Payment Per Thousand    Rate Guarantees  
80% Minimum $1,000 Maximum $25,000 6.25% / 6.91% Maximum 20 Year 7.31 3 Year Rate Lock
80% Minimum $1,000 Maximum $25,000 6.50% / 6.50% 5 Year 19.57 Fixed
80% Minimum $1,000 Maximum $25,000 6.75% / 6.99% Maximum 20 Year 7.60 5 Year Rate Lock
80% Minimum $1,000 Maximum $25,000 7.95% / 7.95% 7 Year 15.56 Fixed
80% Minimum $1,000 Maximum $25,000 7.95% / 7.95% 10 Year 12.11 Fixed
81% to 90% Minimum $1,000 Maximum $25,000 8.25% / 8.57% Maximum 20 Year 8.52 3 Year Rate Lock
81% to 90% Minimum $1,000 Maximum $25,000 8.75% / 8.75% Maximum 20 Year 8.84 5 Year Rate Lock


*APR based on $25,000. Rates subject to increase after consummation with a maximum of 18% APR for variable rate loans. In certain circumstances an appraisal may be required for which a fee of $200 to $250 would be charged. Property insurance is required.



Home Equity Plus and Improvement Loans

 Max Loan to Value   Loan Amount   Rate/Annual Percentage Rate (APR)*   Term   Initial Monthly Payment Per Thousand    Rate Guarantees  
80% Minimum $25,000 Maximum $100,000 6.25% / 6.91% Maximum 20 Year 7.31 3 Year Rate Lock
80% Minimum $25,000 Maximum $100,000 6.50% / 6.50% 5 Year 19.57 Fixed
80% Minimum $25,000 Maximum $100,000 6.75% / 6.99% Maximum 20 Year 7.60 5 Year Rate Lock
80% Minimum $25,000 Maximum $100,000 7.95% / 7.95% 10 Year 12.11 Fixed
80% Minimum $25,000 Maximum $100,000 7.95% / 7.95% 7 Year 15.56 Fixed
81% to 90% Minimum $25,000 Maximum $100,000 8.25% / 8.57% Maximum 20 Year 8.52 3 Year Rate Lock
81% to 90% Minimum $25,000 Maximum $100,000 8.75% / 8.75% Maximum 20 Year 8.84 5 Year Rate Lock


*APR based on $30,000. Rates subject to increase after consummation with a maximum of 18% APR for variable rate loans. In certain circumstances an appraisal may be required for which a fee of $200 to $250 would be charged. Property insurance is required.

Line of Credit Loans

 Max Loan to Value   Loan Amount   Rate/Annual Percentage Rate (APR)*   Term   Initial Monthly Payment Per Thousand    Rate Guarantees  
80% Minimum $5,000 Maximum $125,000 Prime + 0% 10 Year Interest Only Variable Rate Adjusted Monthly
81% to 90% Minimum $5,000 Maximum $50,000 Prime + 1% 10 Year Interest Only Variable Rate Adjusted Monthly


*Rates subject to increase after consummation with a maximum of 18% APR for variable rate loans. An annual fee of $40 will be assessed after the first year. In certain circumstances an appraisal may be required for which a fee of $200 to $250 would be charged. Property insurance is required.




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