$895 flat closing fee. Down payment as low as 3%. Income and home value limits apply. A non-refundable application fee of $495 is required. Flat closing fee waived for qualified home buyers. Published rate may be adjusted based on credit score, down payment, debt ratio, and employment income.

^‡ To calculate estimated monthly payment, multiply the payment amount shown by the mortgage amount in thousands. For example, a 30 year 3.875% loan for $150,000 would be : 150 X $4.70= $705.00 per month. All rates and terms are subject to change without notice. Actual payments will be higher with taxes and insurance.

Down payment of at least 3.5% required.

^‡ To calculate estimated monthly payment, multiply the payment amount shown by the mortgage amount in thousands. For example, a 30 year 3.875% loan for $150,000 would be : 150 X $4.70= $705.00 per month. All rates and terms are subject to change without notice. Actual payments will be higher with taxes and insurance.

ARMs require 5% down payment. Adjustment could occur after initial term. Adjustmnet is based on 1-year T-bill plus margin of 2.75%. Caps 2% and 6%. No conversion option.

^‡ To calculate estimated monthly payment, multiply the payment amount shown by the mortgage amount in thousands. For example, a 30 year 3.875% loan for $150,000 would be : 150 X $4.70= $705.00 per month. All rates and terms are subject to change without notice. Actual payments will be higher with taxes and insurance.

5% down payment required. 9 months interest only - 351 months amortization after interest only. Adjustment could occur after initial term Adjustment is based on 1 Year T-Bill plus margin of 2.75% - caps 2% and 6%. No conversion option.

^‡ To calculate estimated monthly payment, multiply the payment amount shown by the mortgage amount in thousands. For example, a 30 year 3.875% loan for $150,000 would be : 150 X $4.70= $705.00 per month. All rates and terms are subject to change without notice. Actual payments will be higher with taxes and insurance.

20% down payment required. More than 10 acres must be zoned residential.

^‡ To calculate estimated monthly payment, multiply the payment amount shown by the mortgage amount in thousands. For example, a 30 year 3.875% loan for $150,000 would be : 150 X $4.70= $705.00 per month. All rates and terms are subject to change without notice. Actual payments will be higher with taxes and insurance.