Thursday, February 2, 2012

*All conforming programs posted reflect the total discount points required. All APRs Include an Origination charge of $745.00. SC loans are subject to an Origination Charge of $795.

Quotes are based on a Purchase or Rate/Term Refinance of Primary Residence.

45 day lock period applies.

Loan Type: CONFORMING FIXED
Loan Term	Rate	Points	APR	Comments:
30 Year	3.875	0.00	3.893	1. Rates are based on minimum loan amount of $370,000, credit score 740 2. Call to discuss your qualifying profile. Several factors will determine our competitive rate to meet your requirements. Our experienced loan officers will step you through the process covering the fees and the rate to best fit your requirement. Please call 704-845-9400 for best quote.
20 Year	3.75	0.00	3.775
15 Year	3.25	0.00	3.281
10 Year	3.25	0.00	3.295
Loan Type: CONFORMING ARM
Loan Term	Rate	Points	APR	Comments:
5/1	2.75	0.50	3.236	1. Certain credit restrictions apply, fully indexed rate based on margin 2.25 and may vary 2. 5/2/5 caps Libor Arms 3. Minimum loan amount $370,000.00, credit score 760 4. Loan to Value =<75%
	2.875	0.00	3.232
7/1	3.125	0.00	3.280
10/1	3.375	0.00	3.380
Loan Type: JUMBO FIXED
Loan Term	Rate	Points	APR	Comments:
30 Year	4.50	0.00	4.510	1. Primary Residence Refinance 2. Rate based on loan amount =>$650,000 up to =<1,000,000 3. Loan to Value =< 75%, with no subordinate financing 4. Credit scores =>760
Loan Type: JUMBO ARM
Loan Term	Rate	Points	APR	Comments:
5/1	3.00	0.00	3.268	1. Primary Residence Refinance 2. Rate based on loan amount =>$650,000 up to =<1,000,000 3. Loan to Value =< 75% 4. Credit scores =>760 Other guidelines & restrictions apply, please contact us for details.
7/1	3.375	0.00	3.376
10/1	3.875	0.00	3.635
Loan Type: CONSTRUCTION & RENOVATION
Loan Term	Rate	Points	APR	Comments:
Construction				Currently Not Available
Renovation				Currently Not Available

ALL PROGRAMS POSTED REFLECT THE TOTAL

DISCOUNT POINTS REQUIRED.

Rates are subject to change without notice, certain restrictions may apply