Manufactured Home Loan

15 Year Fixed

Advertised APR assumes: 15-year, fixed-rate, 1st lien, purchase money mortgage on a Single Family, primary residence; loan amount of $173,000.00; loan-to-value ratio of 68%; credit score of 740; Debt-to-Income of 43% or less; loan closes on the last day of the month; and applicable (a) closing costs, (b) estimated monthly mortgage insurance premiums, and (c) points. For example, as of 06/24/2018, based on these assumptions, the repayment terms are 180 monthly principal and interest payments of $1,312.41.

30 Year Fixed

Advertised APR assumes: 30-year, fixed-rate, 1st lien, purchase money mortgage on a Single Family, primary residence; loan amount of $202,000.00; loan-to-value ratio of 78%; credit score of 725; Debt-to-Income of 43% or less; loan closes on the last day of the month; and applicable (a) closing costs, (b) estimated monthly mortgage insurance premiums, and (c) points. For example, as of 06/24/2018, based on these assumptions, the repayment terms are 360 monthly principal and interest payments of $1,099.86.

FHA 30 Year Fixed

Advertised APR assumes: 30-year, fixed-rate, 1st lien, purchase money mortgage on a Single Family, primary residence; loan amount of $167,000.00; loan-to-value ratio of 90%; credit score of 655; Debt-to-Income of 43% or less; loan closes on the last day of the month; and applicable (a) closing costs, (b) estimated monthly mortgage insurance premiums, and (c) points. FHA loans require a one-time up-front mortgage insurance premium as well as monthly mortgage insurance premiums. For example, as of 06/24/2018, based on these assumptions, the repayment terms are 360 principal and interest payments of $991.92.

VA 30 Year Fixed

Advertised APR assumes: 30-year, fixed-rate, 1st lien, purchase money mortgage on a Single Family, primary residence; loan amount of $217,000.00; loan-to-value ratio of 95%; credit score of 685; Debt-to-Income of 43% or less; loan closes on the last day of the month; and applicable (a) closing costs, (b) estimated monthly mortgage insurance premiums, and (c) points. VA funding fee required and will vary. Maximum loan guaranty amount varies per county. Contact the VA for the maximum loan guaranty amount for your county and for more information on the funding fee. For example, as of 06/24/2018, based on these assumptions, the repayment terms are 360 principal and interest payments of $1,099.50.

5 Year ARM

Advertised APR assumes: 30-year, adjustable-rate, 1st lien, purchase money mortgage on a single-family, PrimaryResidence; loan amount of $234000; loan-to-value ratio of 69%; credit score of 710; debt-to-income of less than 42%; and monthly escrowing of taxes and insurance. For example, as of 5/15/17, on a 5/1 ARM, a $210000 loan amount financed at an initial rate of 3.875% (4.008% APR) with 0 point(s) and 25% down payment, would result in 60 monthly principal and interest payments of $987.50 followed by principal and interest payments (estimated based on current LIBOR index and margin) of $1000.53 for 299 months and $1002.47 for 1 month. The initial rate is fixed for the first 60 months and may change at the end of that time and every 12 months thereafter. The fully-indexed interest rate is 4.036%, which is the current LIBOR index plus the margin, prior to applying any periodic or lifetime rate caps.

Maximum initial interest rate change is 2 percentage points; maximum annual interest rate change thereafter is 2 percentage points; maximum lifetime interest rate change is 5 percentage points.