*The Adjustable Rate Mortgage rate of 3.125% as of 11/16/16 is fixed for 7 years (84 months) and adjusts annually for the remaining years 8-30 (276 months). The rate is variable and subject to change after the initial term of 7 years. The initial payment on a 30-year $100,000, 7-year Adjustable-Rate Loan at 3.125% and 80% loan-to-value (LTV) is $428.38 with 0 points due at closing. The Annual Percentage Rate is 3.451%. After the initial 7 years, the rate will adjust to the fully indexed rate which is the then current index plus the margin. For example, using the current fully indexed rate of 3.500% as of 11/15/16, your principal and interest payment adjusts to $444.86. The index and the margin will adjust annually for the remaining term of the loan. This loan has 5/2/5 caps, which means that your interest rate may not increase or decrease by more than 5% at the initial adjustment, increase or decrease by more than 2% at each subsequent annual adjustment and increase or decrease by more than 5% over the life of the loan. Payment does not include taxes and insurance premiums. The actual payment amount may be greater. Available for single family owner occupied residences. Maximum loan amount $1,000,000.00 based on our current Credit Policy. Property insurance required. Flood insurance may be required. Subject to credit approval.