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COLORADO

Home Construction – Draw Phase: 9- months interest only
For example, on a $150,000.00 construction loan with 9 months of interest only payments at an interest rate of 7.75%, and an APR of 10.645%, your monthly payments would range from $445.89 to $987.33. Estimated closing costs would include: Appraisal Fee $450.00, Title Insurance: $615.50, Filing Fee $21.00, Flood Determination/Monitoring Fee $15.00, Tax Certification: $15.00, Loan Origination Fee: $1,500.00 and Documentation Fee: $375.00. Rates effective November 16, 2009 for qualifying applicants. Terms and rates are subject to change without notice.

Home Construction – Permanent Phase: 2-year
For example, on a $150,000.00 construction permanent financing amortized over 30 years, at a 2-year fixed interest rate of 5.00%, and an APR of 4.899%, your monthly payment would be $833.68 for 23 months, with a balloon payment of $151,442.69 due at the 2-year maturity date. All closing costs for construction permanent financing are included in the construction draw phase. Rates effective November 16, 2009 for qualifying applicants. Terms and rates are subject to change without notice.

Home Construction – Permanent Phase: 5-year
For example, on a $150,000.00 construction permanent financing amortized over 30 years, at a 5-year fixed interest rate of 5.50%, and an APR of 5.427%, your monthly payment would be $884.27 for 59 months, with a balloon payment of $144,876.66 due at the 5-year maturity date. All closing costs for construction permanent financing are included in the construction draw phase. Rates effective November 16, 2009 for qualifying applicants. Terms and rates are subject to change without notice.

Home Construction – Permanent Phase: 7-year
For example, on a $150,000.00 construction permanent financing amortized over 30 years, at a 7-year fixed interest rate of 5.75%, and an APR of 5.683%, your monthly payment would be $910.07 for 83 months, with a balloon payment of $140,062.82 due at the 7-year maturity date. All closing costs for construction permanent financing are included in the construction draw phase. Rates effective November 16, 2009 for qualifying applicants. Terms and rates are subject to change without notice.

Home Construction – Permanent Phase: 15-year
For example, on a $150,000.00 construction permanent financing amortized over 30 years, at a 15-year fixed interest rate of 6.75%, and an APR of 6.677%, your monthly payment would be $1,016.34 for 179 months, with a balloon payment of $115,865.10 due at the 15-year maturity date. All closing costs for construction permanent financing are included in the construction draw phase. Rates effective November 16, 2009 for qualifying applicants. Terms and rates are subject to change without notice.

Home Purchase: 2-year fixed
For example, on a $125,000.00 purchase loan amortized over 30 years, at a 2-year fixed interest rate of 5.00% and an APR of 5.333%, your monthly payment would be $670.98 for 23 months, with a balloon payment of $121,887.95 due at the 2-year maturity date. Estimated closing costs include: Title Insurance: $75.00, Closing Fee: $150.00, Loan Origination Fee: $625.00, Filing Fees: $51.00, Flood Determination/Monitoring Fee: $15.00, Appraisal Fee: $450.00, and Document Preparation Fee: $175.00, Rates effective November 16, 2009 for qualifying applicants. Terms and rates are subject to change without notice.

Home Purchase: 5-year fixed
For example, on a $125,000.00 purchase loan amortized over 30 years, at a 5-year fixed interest rate of 5.50% and an APR of 5.648%, your monthly payment would be $709.68 for 59 months, with a balloon payment of $116,285.17 due at the 5-year maturity date. Estimated closing costs include: Title Insurance: $75.00, Closing Fee: $150.00, Loan Origination Fee: $625.00, Filing Fees: $51.00, Flood Determination/Monitoring Fee: $15.00, Appraisal Fee: $450.00, and Document Preparation Fee: $175.00, Rates effective November 16, 2009 for qualifying applicants. Terms and rates are subject to change without notice.

Home Purchase: 7-year fixed
For example, on a $125,000.00 purchase loan amortized over 30 years, at a 7-year fixed interest rate of 5.75% and an APR of 5.864%, your monthly payment would be $729.40 for 83 months, with a balloon payment of $112,273.90 due at the 7-year maturity date. Estimated closing costs include: Title Insurance: $75.00, Closing Fee: $150.00, Loan Origination Fee: $625.00, Filing Fees: $51.00, Flood Determination/Monitoring Fee: $15.00, Appraisal Fee: $450.00, and Document Preparation Fee: $175.00, Rates effective November 16, 2009 for qualifying applicants. Terms and rates are subject to change without notice.

Home Purchase: 15-year fixed
For example, on a $125,000.00 purchase loan amortized over 30 years, at a 15-year fixed interest rate of 6.75% and an APR of 6.822%, your monthly payment would be $810.67 for 179 months, with a balloon payment of $92,430.82 due at the 15-year maturity date. Estimated closing costs include: Title Insurance: $75.00, Closing Fee: $150.00, Loan Origination Fee: $625.00, Filing Fees: $51.00, Flood Determination/Monitoring Fee: $15.00, Appraisal Fee: $450.00, and Document Preparation Fee: $175.00, Rates effective November 16, 2009 for qualifying applicants. Terms and rates are subject to change without notice.
Home Refinance: 2-year fixed

For example, on a $125,000.00 refinance loan amortized over 30 years, at a 2-year fixed interest rate of 5.00% and an APR of 5.269% your monthly payment would be $670.98 for 23 months, with a balloon payment of $121,887.95 due at the 2-year maturity date. Estimated closing costs include: Title Insurance: $569.25, Tax Cert: $15.00, Loan Origination Fee: $625.00, Filing Fees: $72.00, Flood Determination/Monitoring Fee: $15.00, Appraisal Fee: $450.00, and Document Preparation Fee: $175.00, Rates effective November 16, 2009 for qualifying applicants. Terms and rates are subject to change without notice.

Home Refinance: 5-year fixed
For example, on a $125,000.00 refinance loan amortized over 30 years, at a 5-year fixed interest rate of 5.50% and an APR of 5.619% your monthly payment would be $709.68 for 59 months, with a balloon payment of $116,285.17 due at the 5-year maturity date. Estimated closing costs include: Title Insurance: $569.25, Tax Cert: $15.00, Loan Origination Fee: $625.00, Filing Fees: $72.00, Flood Determination/Monitoring Fee: $15.00, Appraisal Fee: $450.00, and Document Preparation Fee: $175.00, Rates effective November 16, 2009 for qualifying applicants. Terms and rates are subject to change without notice.

Home Refinance: 7-year fixed
For example, on a $125,000.00 refinance loan amortized over 30 years, at a 7-year fixed interest rate of 5.75% and an APR of 5.842% your monthly payment would be $729.40 for 83 months, with a balloon payment of $112,273.90 due at the 7-year maturity date. Estimated closing costs include: Title Insurance: $569.25, Tax Cert: $15.00, Loan Origination Fee: $625.00, Filing Fees: $72.00, Flood Determination/Monitoring Fee: $15.00, Appraisal Fee: $450.00, and Document Preparation Fee: $175.00, Rates effective November 16, 2009 for qualifying applicants. Terms and rates are subject to change without notice.

Home Refinance: 15-year fixed
For example, on a $125,000.00 refinance loan amortized over 30 years, at a 15-year fixed interest rate of 6.75% and an APR of 6.808%, your monthly payment would be $810.67 for 179 months, with a balloon payment of $92,430.82 due at the 15-year maturity date. Estimated closing costs include: Title Insurance: $569.25, Tax Cert: $15.00, Loan Origination Fee: $625.00, Filing Fees: $72.00, Flood Determination/Monitoring Fee: $15.00, Appraisal Fee: $450.00, and Document Preparation Fee: $175.00, Rates effective November 16, 2009 for qualifying applicants. Terms and rates are subject to change without notice.

Vacant Land-Refinance
For example, on a $60,000.00 refinance loan amortized over 15 years, at a 5-year fixed interest rate of 7.50% and an APR of 7.632%, your monthly payment would be $556.15 for 59 months, with a balloon payment of $47,413.24 due at the 5-year maturity date. Estimated closing costs include: Title Insurance: $423.00, Tax Cert: $15.00, Loan Origination Fee: $300.00, Filing Fees: $62.00, Appraisal Fee: $450.00, and Document Preparation Fee: $175.00, Rates effective November 16, 2009 for qualifying applicants. Terms and rates are subject to change without notice.

Vacant Land-Purchase
For example, on a $60,000.00 purchase loan amortized over 15 years, at a 5-year fixed interest rate of 7.50% and an APR of 7.699%, your monthly payment would be $556.15 for 59 months, with a balloon payment of $47,413.24 due at the 5-year maturity date. Estimated closing costs include: Title Insurance: $75.00, Tax Cert: $15.00, Closing Fee: $150.00, Loan Origination Fee: $300.00, Filing Fees: $62.00, Appraisal Fee: $450.00, and Document Preparation Fee: $175.00, Rates effective November 16, 2009 for qualifying applicants. Terms and rates are subject to change without notice.
 

NEW MEXICO

Home Construction – Draw Phase: 9 – months interest only
For example, on a $150,000.00 construction loan with 9 months of interest only payments at an interest rate of 7.75%, and an APR of 10.645%, your monthly payments would range from $445.89 to $987.33. Estimated closing costs would include: Appraisal Fee $450.00, Title Insurance: $990.00, Filing Fee $23.00, Flood Determination/Monitoring Fee $15.00, Loan Origination Fee: $1,500.00 and Documentation Fee: $375.00. Rates effective November 16, 2009 for qualifying applicants. Terms and rates are subject to change without notice.

Home Construction – Permanent Phase: 2-year
For example, on a $150,000.00 construction permanent financing amortized over 30 years, at a 2-year fixed interest rate of 5.00%, and an APR of 4.899%, your monthly payment would be $833.68 for 23 months, with a balloon payment of $151,442.69 due at the 2-year maturity date. All closing costs for construction permanent financing are included in the construction draw phase. Rates effective November 16, 2009 for qualifying applicants. Terms and rates are subject to change without notice.

Home Construction – Permanent Phase: 5-year
For example, on a $150,000.00 construction permanent financing amortized over 30 years, at a 5-year fixed interest rate of 5.50%, and an APR of 5.427%, your monthly payment would be $884.27 for 59 months, with a balloon payment of $144,876.66 due at the 5-year maturity date. All closing costs for construction permanent financing are included in the construction draw phase. Rates effective November 16, 2009 for qualifying applicants. Terms and rates are subject to change without notice.

Home Construction – Permanent Phase: 7-year
For example, on a $150,000.00 construction permanent financing amortized over 30 years, at a 7-year fixed interest rate of 5.75%, and an APR of 5.683%, your monthly payment would be $910.07 for 83 months, with a balloon payment of $140,062.82 due at the 7-year maturity date. All closing costs for construction permanent financing are included in the construction draw phase. Rates effective November 16, 2009 for qualifying applicants. Terms and rates are subject to change without notice.

Home Construction – Permanent Phase: 15-year
For example, on a $150,000.00 construction permanent financing amortized over 30 years, at a 15-year fixed interest rate of 6.75%, and an APR of 6.677%, your monthly payment would be $1,016.34 for 179 months, with a balloon payment of $115,865.10 due at the 15-year maturity date. All closing costs for construction permanent financing are included in the construction draw phase. Rates effective November 16, 2009 for qualifying applicants. Terms and rates are subject to change without notice.

Home Purchase: 2-year fixed
For example, on a $125,000.00 purchase loan amortized over 30 years, at a 2-year fixed interest rate of 5.00% and an APR of 5.354%, your monthly payment would be $670.98 for 23 months, with a balloon payment of $121,887.95 due at the 2-year maturity date. Estimated closing costs include: Title Insurance: $80.00, Closing Fee: $197.50, Loan Origination Fee: $625.00, Filing Fees: $29.00, Flood Determination/Monitoring Fee: $15.00, Appraisal Fee: $450.00, and Document Preparation Fee: $175.00, Rates effective November 16, 2009 for qualifying applicants. Terms and rates are subject to change without notice.

Home Purchase: 5-year fixed
For example, on a $125,000.00 purchase loan amortized over 30 years, at a 5-year fixed interest rate of 5.50% and an APR of 5.657%, your monthly payment would be $709.68 for 59 months, with a balloon payment of $116,285.17 due at the 5-year maturity date. Estimated closing costs include: Title Insurance: $80.00, Closing Fee: $197.50, Loan Origination Fee: $625.00, Filing Fees: $29.00, Flood Determination/Monitoring Fee: $15.00, Appraisal Fee: $450.00, and Document Preparation Fee: $175.00, Rates effective November 16, 2009 for qualifying applicants. Terms and rates are subject to change without notice.

Home Purchase: 7-year fixed
For example, on a $125,000.00 purchase loan amortized over 30 years, at a 7-year fixed interest rate of 5.75% and an APR of 5.871%, your monthly payment would be $729.40 for 83 months, with a balloon payment of $112,273.79 due at the 7-year maturity date. Estimated closing costs include: Title Insurance: $80.00, Closing Fee: $197.50, Loan Origination Fee: $625.00, Filing Fees: $29.00, Flood Determination/Monitoring Fee: $15.00, Appraisal Fee: $450.00, and Document Preparation Fee: $175.00, Rates effective November 16, 2009 for qualifying applicants. Terms and rates are subject to change without notice.

Home Purchase: 15-year fixed
For example, on a $125,000.00 purchase loan amortized over 30 years, at a 15-year fixed interest rate of 6.75% and an APR of 6.827%, your monthly payment would be $810.67 for 179 months, with a balloon payment of $92,430.63 due at the 15-year maturity date. Estimated closing costs include: Title Insurance: $80.00, Closing Fee: $197.50, Loan Origination Fee: $625.00, Filing Fees: $29.00, Flood Determination/Monitoring Fee: $15.00, Appraisal Fee: $450.00, and Document Preparation Fee: $175.00, Rates effective November 16, 2009 for qualifying applicants. Terms and rates are subject to change without notice.

Home Refinance: 2-year fixed
For example, on a $125,000.00 refinance loan amortized over 30 years, at a 2-year fixed interest rate of 5.00% and an APR of 5.269% your monthly payment would be $670.98 for 23 months, with a balloon payment of $121,887.95 due at the 2-year maturity date. Estimated closing costs include: Title Insurance: $882.00, Loan Origination Fee: $625.00, Filing Fees: $38.00, Flood Determination/Monitoring Fee: $15.00, Appraisal Fee: $450.00, and Document Preparation Fee: $175.00, Rates effective November 16, 2009 for qualifying applicants. Terms and rates are subject to change without notice.

Home Refinance: 5-year fixed
For example, on a $125,000.00 refinance loan amortized over 30 years, at a 5-year fixed interest rate of 5.50% and an APR of 5.619% your monthly payment would be $709.68 for 59 months, with a balloon payment of $116,285.17 due at the 5-year maturity date. Estimated closing costs include: Title Insurance: $882.00, Loan Origination Fee: $625.00, Filing Fees: $38.00, Flood Determination/Monitoring Fee: $15.00, Appraisal Fee: $450.00, and Document Preparation Fee: $175.00, Rates effective November 16, 2009 for qualifying applicants. Terms and rates are subject to change without notice.

Home Refinance: 7-year fixed
For example, on a $125,000.00 refinance loan amortized over 30 years, at a 7-year fixed interest rate of 5.75% and an APR of 5.842% your monthly payment would be $729.40 for 83 months, with a balloon payment of $112,273.79 due at the 7-year maturity date. Estimated closing costs include: Title Insurance: $882.00, Loan Origination Fee: $625.00, Filing Fees: $38.00, Flood Determination/Monitoring Fee: $15.00, Appraisal Fee: $450.00, and Document Preparation Fee: $175.00, Rates effective November 16, 2009 for qualifying applicants. Terms and rates are subject to change without notice.

Home Refinance: 15-year fixed
For example, on a $125,000.00 refinance loan amortized over 30 years, at a 15-year fixed interest rate of 6.75% and an APR of 6.808%, your monthly payment would be $810.67 for 179 months, with a balloon payment of $92,430.63 due at the 15-year maturity date. Estimated closing costs include: Title Insurance: $882.00, Loan Origination Fee: $625.00, Filing Fees: $38.00, Flood Determination/Monitoring Fee: $15.00, Appraisal Fee: $450.00, and Document Preparation Fee: $175.00, Rates effective November 16, 2009 for qualifying applicants. Terms and rates are subject to change without notice.

Vacant Land-Refinance
For example, on a $60,000.00 refinance loan amortized over 15 years, at a 5-year fixed interest rate of 7.50% and an APR of 7.632%, your monthly payment would be $556.15 for 59 months, with a balloon payment of $47,413.23 due at the 5-year maturity date. Estimated closing costs include: Title Insurance: $555.00, Loan Origination Fee: $300.00, Filing Fees: $32.00, Appraisal Fee: $450.00, and Document Preparation Fee: $175.00, Rates effective November 16, 2009 for qualifying applicants. Terms and rates are subject to change without notice.

Vacant Land-Purchase
For example, on a $60,000.00 purchase loan amortized over 15 years, at a 5-year fixed interest rate of 7.50% and an APR of 7.720%, your monthly payment would be $556.15 for 59 months, with a balloon payment of $47,413.23 due at the 5-year maturity date. Estimated closing costs include: Title Insurance: $80.00, Closing Fee: $197.50, Loan Origination Fee: $300.00, Filing Fees: $23.00, Appraisal Fee: $450.00, and Document Preparation Fee: $175.00, Rates effective November 16, 2009 for qualifying applicants. Terms and rates are subject to change without notice.