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Rates as of
Featured Home Mortgage Rates
(1-4 Family)
Conforming Fixed Loans
Loans Up To $417,000 60 Day Rate Lock
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| Program |
Rate |
Points |
APR* |
| 30 Year Fixed |
6.375% |
0 |
6.43% |
| 20 Year Fixed |
6.375% |
0 |
6.45% |
| 15 Year Fixed |
6.125% |
0 |
6.22% |
| 10 Year Fixed |
6.000% |
0 |
6.13% |
Jumbo fixed rate loans also available. |
| Call for current rates and details. |
Adjustable Rate Loans
Loan Rates up to $650,000 90 Day Rate Lock
|
| Program |
Rate |
Points |
APR* |
| 7/1 Arm- 30 Year |
6.250% |
0 |
5.31% |
| 5/1 Arm- 30 Year |
5.875% |
0 |
4.91% |
| 3/1 Arm- 30 Year |
5.625% |
0 |
4.63% |
First Personal Bank also offers financing for jumbo loans, vacant land, commercial and mixed-use property as well as multi-family investment loans, construction financing and bridge loans. |
| Call one of our mortgage consultants for further details |
*Rates, points and programs are subject to change without notice and cannot be guaranteed until a complete application has been made and fees have been received. The Interest Rate on Adjustable Rate loans may increase over the life of the loan. |
| Rates and Annual Percentage Rates (APRs) are based on loan amounts of $150,000, and loan terms which do not exceed 80% of the property's sales price or appraised value, whichever is less. Rates may increase after initial period. |
Home Equity Lines of Credit
80% CLTV - 10 YR Term
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Rate |
APR* |
| For lines $5,000.00 to $49, 999.99 |
(Prime plus .50%) |
4.50% |
4.50% |
| $50,000.00 to $74,999.99 |
(Prime) |
4.00% |
4.00% |
| $75,000.00 to $99,999.99 |
(Prime less .25%) |
3.75% |
3.75% |
| $100,000.00 and over |
(Prime less .50%) |
3.50% |
3.50% |
*The Annual Percentage Rates (APRs) on First Personal Bank's Home Equity Lines of Credit are tied to Prime. Prime is the highest Prime Rate as published in the "Money Rates" section of The Wall Street Journal. The margin tied to Prime varies and depends on the approved credit line amount and product. On 10/31/08, Prime was 4.00% and the APR on First Personal Bank's Home Equity Line of Credit products varied between 3.50% and 4.50%. Prime is a variable rate; as it changes, the APR on your account will change. The maximum APR is 21%. A balloon payment will result at the end of the ten-year draw period. The Home Equity Lines are limited to owner-occupied, 1-4 family principal residences and are subject to no less than a second lien position on your property. You must carry insurance on the property that secures this loan. Flood insurance required if necessary. There is a $35.00 annual fee after the first year. Consult your tax advisor concerning the deductibility of interest. Closing costs paid by First Personal Bank are limited to: appraisal, credit report, title insurance, flood certification and recording fees. The APRs are subject to change without notice. If credit line is closed within 1st year a $200 cancellation fee plus the amount of closing costs will be charged. |
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