Resources> Mortgage Rates

10-Year Conventional Mortgage* (Effective: Thursday, May 17, 2012)
Program	Term	Interest Rate	Points	APR	Monthly Payments per $1000 borrowed
Conventional 10 Year Fixed	10 years	2.940%	0	2.989%	$9.63
*Interest Rate and Annual Percentage Rate (APR) subject to change, based on loan amount of $100,000 with zero points. Maximum loan-to-value of 80% for single-family owner-occupied residence; maximum loan-to-value of 75% for condominium. Payments do not include taxes and insurance, if applicable. Other restrictions may apply.

2. Conventional Mortgages* (Effective: Thursday, May 17, 2012)
Program	Term	Interest Rate	Points	APR	Monthly Payments per $1000 borrowed
Conventional 15 Year Fixed	15 years	2.875%	2	3.244%	$6.85
	15 years	3.000%	1	3.224%	$6.91
	15 years	3.125%	0	3.205%	$6.97
Conventional 20 Year Fixed	20 years	3.625%	2	3.925%	$5.86
	20 years	3.750%	1	3.935%	$5.93
	20 years	3.875%	0	3.946%	$5.99
Conventional 30 Year Fixed	30 years	3.625%	2	3.839%	$4.56
	30 years	3.750%	1	3.882%	$4.63
	30 years	3.875%	0	3.925%	$4.70
*Interest Rate and Annual Percentage Rate (APR) subject to change. Conventional: 80% or less loan-to-value. 1- to 4-family owner or non-owner occupied. Other restrictions may apply. Payments do not include taxes and insurance, if applicable. No prepayment penalty.

3. No Fee First Mortgages* (Effective: Thursday, May 17, 2012)
Program	Term	Interest Rate	Points	APR	Monthly Payments per $1000 borrowed
10 Year Fixed No Fees (Automatic payment from a JCSB checking account is required.)	10 years	3.990%	0	3.990%	$10.12
15 Year Fixed No Fees	15 years	4.500%	0	4.500%	$7.65
20 Year Fixed No Fees	20 years	5.500%	0	5.500%	$6.88
*Interest Rate and Annual Percentage Rate (APR) subject to change. 1 & 2 family owner occupied. Maximum loan-to-value 80%. Minimum loan $25,000. Maximum loan $250,000. Not available for new purchases. No condominiums. No homes listed for sale or intended for sale. Payments do not include taxes and insurance, if applicable.

4. Construction Mortgages* (Effective: Thursday, May 17, 2012)
Program	Term	Interest Rate	Points	APR	Monthly Payments per $1000 borrowed
Construction 15 Year Fixed	15 years	3.125%	2	3.541%	$6.97
	15 years	3.250%	1	3.524%	$7.03
	15 years	3.375%	0	3.508%	$7.09
Construction 20 Year Fixed	20 years	3.875%	2	4.213%	$5.99
	20 years	4.000%	1	4.224%	$6.06
	20 years	4.125%	0	4.235%	$6.13
Construction 30 Year Fixed	30 years	4.125%	2	4.375%	$4.85
	30 years	4.250%	1	4.416%	$4.92
	30 years	4.375%	0	4.458%	$4.99
*Interest Rate and Annual Percentage Rate (APR) subject to change. Conventional: 80% or less loan-to-value. 1 & 2 family owner occupied. Payments do not include taxes and insurance, if applicable.

5. Building Lot Loans and Land Loans* (Effective: Thursday, May 17, 2012)
Program	Term	APR	Monthly Payments per $1000 borrowed
Building Lot Loans	5 years	7.268%	$19.92
	10 years	7.260%	$11.74
	15 years	7.250%	$9.13
	20 years	7.250%	$7.90
Land Loans	5 years	7.268%	$19.92
	10 years	7.260%	$11.74
	15 years	7.250%	$9.13
	20 years	7.250%	$7.90
*Annual Percentage Rate (APR) subject to change. 75% maximum loan-to-value. Minimum equity $5,000. Payments do not include taxes and insurance, if applicable.

6. PMI Mortgages* (Effective: Thursday, May 17, 2012)
Program	Term	Interest Rate	Points	APR	Monthly Payments per $1000 borrowed
30 Year Fixed PMI	30 years	3.625%	2	4.399%	$4.56
	30 years	3.750%	1	4.437%	$4.63
	30 years	3.875%	0	4.475%	$4.70
*Interest Rate and Annual Percentage Rate (APR) subject to change. Over 80% to 95% loan-to-value requires private mortgage insurance (PMI). 1- to 4-family owner or non-owner occupied. Other restrictions may apply. Payments do not include taxes and insurance, if applicable. No prepayment penalty.