Assumptions

Fixed-rate and adjustable-rate mortgages

Assumptions Up to $417,000 Loan-to-value (LTV) 80% Loan purpose Purchase Property use Owner-occupied Lien position First Property type Single-family residence (1-4 units) Prepayment penalty No penalty for fixed-rate mortages Rate lock valid for 30 days

The following additional disclosures apply:

• The Annual Percentage Rate (APR) is based on representative loan amount for stated term^* and includes points listed.
• Points include any origination and discount fees.
• These special rates are only available when you pre-qualify online and are not guaranteed until lock-in.
• Rates and terms vary by state and are subject to change without notice. Interest rates assume credit history is in good standing.
• All loan applications subject to credit and property approval. Flood and/or property hazard insurance may be required. Additional fees and closing costs apply.
• For adjustable-rate mortgages, rates are subject to increase after the initial fixed-rate period.
• Assumes no subordinate financing.
• Maximum loan limits and minimum equity/down payment requirements apply.
• Other restrictions may apply.
• Additional rates and programs are available.

^*Representative example for loan terms:
A loan of $200,000 with a 7.500% APR would have the following payments with the following terms:

• 15-year mortgage would have 180 monthly payments of $1,854 each.
• 20-year mortgage would have 240 monthly payments of $1,611 each.
• 30-year mortgage would have 360 monthly payments of $1,398 each.

Amounts may be rounded up. Additional fees and closing costs apply. If the down payment is less than 20%, mortgage insurance may be needed, which could increase the monthly payment and APR.