AJ Smith FSB - Mortgage Rates

For more information on any of our mortgages- Click Here or Call 708-237-8144

General and Potential Loan fees

Rates Effective as of June 18, 2013 - 9:00 AM
Single Family- Owner Occupied	Loans $417,000 or less (as of 01/01/2009)
Appraisal Fee $350.00 - payable 7 days from date of application

NON CONFORMING LOANS WILL BE SUBJECT TO RATE AND POINT INCREASES Non-conforming are loans not meeting FNMA guidelines Loans with 3% - 19% down will be required to have PMI Insurance. JUMBO LOANS - SINGLE FAMILY SUBJECT TO REVIEW FIXED RATES BASED ON AUTOMATIC DRAFT* ADD.125% TO RATE WITHOUT CHECKING ACCOUNT RELATIONSHIP ADD .25% TO RATE WITHOUT ANY AUTOMATIC DRAFT Cash out refinances: LTV 70% or greater, add .125% to the rate APR - based on loan amount of $165,000
Fixed Rate Mortgages

Rate	Points	Annual Percentage Rate (APR)
	30 Year
3.625%	1.00%	3.73%
3.875%	0.00%	3.93%

	25 Year
3.375%	1.00%	3.49%
3.625%	0.00%	3.68%

	20 Year
2.875%	1.00%	3.01%
3.125%	0.00%	3.20%

	15 Year
2.750%	1.00%	2.93%
3.000%	0.00%	3.09%

	12 Year
2.750%	1.00%	2.97%
3.000%	0.00%	3.11%

	10 Year
2.625%	1.00%	2.88%
2.875%	0.00%	3.01%

The above interest rates assumes loan payments are made electronically from the borrower's checking account, add .25% to the stated rate for monthly payment option paid by coupon.

FHA, VA, and HARP LOANS NOW AVAILABLE - Come in and see a Loan Officer today.

HOME AFFORDABLE REFINANCE PROGRAM

Adjustable Rate Mortgage Programs*
1 Yr Rate Guarantee	2.000%	3.00% APR	0.00 Points	30 Year Amort.
3 Yr Rate Guarantee	2.250%	2.92% APR	0.00 Points	30 Year Amort.
5 Yr Rate Guarantee	2.500%	2.91% APR	0.00 Points	30 Year Amort.
7 Yr Rate Guarantee	2.750%	2.97% APR	0.00 Points	30 Year Amort.
Rate may increase after consummation 2% Adjustment Cap - 8% Ceiling* - 3% Floor **Ceiling is initial rate plus 8% Adjustments will be at 2.75% over the 1 year U.S. Treasury Index
Fixed Rates - 30 day commitment Adjustable Rates - 60 day commitment For more information on any of our mortgages- Click Here or Call 708-237-8144