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Rates	APR	Points
LincolnWay Community Bank offers a variety of residential mortgage loan programs to meet your needs. We work to provide assistance to a variety home buyers. For example, if you are a First Time Home Buyer and you do not have a large down payment, that's O.K. We have several Low Down Payment mortgage products to choose from. Move Up Buyers; Have you outgrown your existing home? Need more closet space? Our professionally trained Mortgage Loan Originators are here to help. Perhaps you are considering the purchase of a weekend get away such as a high-rise condominium in beautiful downtown Chicago? Or, you are ready to become an investor and purchase multi-unit buildings. Either way, please give us a call. Rate are subject to change at anytime Conventional Rates posted are based on an 80% loan to value ratio FHA Rates posted are based on the maximum allowable loan to value ratio of 96.50% Refinance transactions that receive cash to pay off a second mortgage or home equity line of credit may have an increased interest rate Refinance transactions that receive cash to consolidate consumer debt may have an increased interest rate

30 Year Fixed Rate Conforming
20 Year Fixed Rate Conforming
15 Year Fixed Rate Conforming
10 Year Fixed Rate Conforming
5 Year ARM (1 year LIBOR index)
FHA 30 Year Fixed
FHA 15 year Fixed
Rates last updated on Monday, January 30, 2012
30 Year Fixed Rate Conforming Term: 30 years Maximum Amount: $417,000
3.875%	3.958%	0%

20 Year Fixed Rate Conforming Term: 20 years Maximum Amount: $417,000
Rates	APR	Points
3.75%	3.865%	0%

15 Year Fixed Rate Conforming Term: 15 years Maximum Amount: $417,000
Rates	APR	Points
3.25%	3.396%	0%

10 Year Fixed Rate Conforming Term: 10 years Maximum Amount: $417,000
Rates	APR	Points
3.25%	3.462%	0%

5 Year ARM (1 year LIBOR index) Term: 30 years Maximum Amount: $417,000
Rates	APR	Points
3.125%	3.319%	0%

FHA 30 Year Fixed Term: 30 years Maximum Amount: $410,000
Rates	APR	Points
3.75%	3.832%	0%

FHA 15 year Fixed Term: 15 years
Rates	APR	Points
3.5%	3.647%	0%

Whether you are self employed, downsizing, or just starting out, our mortgage loan consultants will walk you through the process of selecting the best financing available. APR is defined as Annual Percentage Rate Rates and terms are subject to change without notice All offers are subject to credit approval Posted Rates and APR are calculated with 0 points
Unless otherwise indicated, these APR calculations are based on the following: Conforming loans (whose maximum loan amount is below $417,000 for the contiguous states, District of Columbia, and Puerto Rico or below $625,500 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $417,000 with closing costs of $4,170. Jumbo Loans (whose maximum loan amount exceed $417,000 for the contiguous states, District of Columbia, and Puerto Rico or exceed $625,500 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $1,000,000 with closing costs of $10,000. Your actual APR may be different depending upon these factors.