Rates effective as of: 02/02/2012 07:23 AM

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The No Closing Costs is our no closing cost loan.

On purchase transactions the 'No Closing Costs' option covers the cost of the appraisal fee, credit report fee, flood certification fee and tax service fee. The borrower is responsible for paying all title fees, escrow/closing fees, notary/signing fees, prepaid interest, property taxes, state mortgage taxes, insurance, mortgage insurance and recording fees.

On refinance transactions the 'No Closing Costs' option covers the cost of the appraisal fee, credit report fee, flood certification fee, tax service fee, notary/signing fees, title fees, escrow/closing fees and recording fees. The borrower is responsible for paying prepaid interest, property taxes, state mortgage taxes, insurance, mortgage insurance and payoff fees.

Loan amounts from $300k to $417k priced as shown. Loan Amounts $250k-$299,900 add .125 to rate. Loan Amounts $200k - $249,900 add .25 to rate. Loan Amounts $150k to $199,900 add.375 to rate. Add 1/8% to rate for every quarter point in pricing adjustments.

Please note that for the 30 Year No Closing Costs 3.99% and 10 Year No Closing Costs 2.99% advertised rate specials, the following pricing adjustments apply: Loan amounts from $300k to $417k priced as shown. Loan Amounts $250k-$299,900 add .135 to rate. Loan Amounts $200k - $249,900 add .26 to rate. Loan Amounts $150k to $199,900 add .385 to rate.