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Type Description Rate APR #+ Term
Low 30-year Mortgage 30 Year Fixed 4.675% 4.848% 360 Months
Low 15-year Mortgage 15 Year Fixed 4.125% 4.419% 180 Months
Low 10-year Mortgage 10 Year Fixed 4.250% 4.501% 120 Months
Low 30-year Mortgage 30 Year Fixed Jumbo 4.775% 4.915% 360 Months
Low 15-year Mortgage 15 Year Fixed Jumbo 4.600% 4.842% 180 Months
Low 5/1 - ARM 5/1 - Adjustable Rate Mortgage 4.300% 4.472% 360 Months
30 Year Fixed 4.375% 4.691% 360 Months
FHA Mortgage 15 Year Fixed 3.875% 4.419% 180 Months
VA Mortgage 30 Year Fixed 4.250% 4.549% 360 Months
Home Equity Loan | Second Lien Position Up to 80% Loan to Value 5.250% 5.417% 120 Months
Home Equity Loan | Second Lien Position Up to 80% Loan to Value 5.250% 5.367% 180 Months
Home Equity Loan | Second Lien Position Up to 80% Loan to Value 5.500% 5.670% 120 Months
Home Equity Loan | Second Lien Position Up to 80% Loan to Value 5.500% 5.619% 180 Months
Home Equity Visa** Up to 85% Loan to Value Prime + 1.50%
Residential Land Loan 5 Year Amortized over 15 Years 6.490% 6.782%

All rate and program availability is subject to change without notice; contact HAPO Mortgage Division at (509) 946-2044 for further details.

# Annual Percentage Rate.

+** Home Equity Visa rate of Prime + 1.50% is a variable rate and based off of Prime Rate as reported in the Wall Street Journal.  The maximum annual percentage rate for a Home Equity VISA is 12.00%. Fees imposed when opening a Home Equity VISA range from approximately $1000-$1500.

Example: For example, a home loan of $100,000.00 at 4.250% with an Annual Percentage Rate (APR) of 4.300% at a term of 360 months would have a monthly loan principal and interest payment of approximately $491.94. Rate and program availability is subject to and based upon borrower's credit scores, collateral, property loan-to-value, down payment, loan amount and property appraisal. For a complete explanation of credit qualifications and home ownership fees contact the HAPO Mortgage Division at (509) 946-2044. Rate and program availability is subject to and based upon borrower's credit scores, collateral, property loan-to-value, down payment, loan amount and property appraisal. For a complete explanation of credit qualifications and home ownership fees contact the HAPO Mortgage Division at (509) 946-2044.

Having trouble making your monthly mortgage payments? You can contact HUD (the Department of Housing and Urban Development) for counselling services. Phone: 800-569-4287 TTY: 800-877-8339.