*Annual Percentage Rate (APR) as of 03/11/11 and subject to change. Your rate is based on your credit score and account relationship. $20,000 new money required. Origination fee is .5% of loan amount up to $500. All closing costs to be paid by borrower. Checking with direct deposit required for best rate. Rates available up to 95% loan-to-value (LTV) on first mortgages and up to 80% LTV on home equity. Construction loans not eligible. Actual closing costs can be obtained with the request of a Good Faith Estimate from CFCU. Rate subject to change without notice. This is a Balloon mortgage and must be paid in full at maturity or refinanced to a market level fixed-rate mortgage. Private mortgage insurance is required in excess of 80% LTV. Single-family, owner-occupied homes only. Actual closing costs will vary. Payment example: The monthly payment on a $100,000 loan amortized over 30 years, assuming 80% LTV and at a rate of 3.93% would give you 119 payments of $473.66 and a final payment of $79,074.67, example includes $500 in origination fees. Payments do not include amounts for taxes and insurance premiums, if applicable. Actual payment obligation will be greater.
