HFS Bank

Mortgage Loan Rates

HFS Bank Mortgage Loan Programs

Fixed Rates
Program	Rate	Point	APR
30 years	6.500	0	6.524
	6.250	1	6.382
	na	.75	na
	6.375	.50	6.460
	na	.25	na
20 years	6.375	0	6.407
	na	1	na
	6.125	.75	6.267
	6.250	.50	6.345
	na	.25	na
15 years	6.125	0	6.322
	na	1	na
	5.875	.75	6.129
	na	.50	na
	na	.25	na
10 years	6.125	0	6.405
	na	1	na
	5.875	.75	6.129
	6.000	.50	6.166
Owner Occupied, 0-97% LTV, 1-4 units, 45 day lock
Mini-fixed Rates
Program	Rate	Point	APR
5/25	6.375	0	6.435
7/23	6.500	0	6.546
5/10	6.000	0	6.065
7/8	6.125	0	6.177
Balloon reset feature, owner occupied, 0-95% LTV, 1-2 units, 45 day lock.
Adjustable Rates
Program	Rate	Point	APR
1 year ARM (30 yr)	na	0	na
1 year ARM (15 yr)	5.875	0	6.010
3 year ARM (30 yr)	6.250	0	5.619
5/1 ARM (30 yr)*	6.375	0	5.712
7/1 ARM (30 yr)*	6.500	0	5.914
*2/5 caps on 5/1 and 7/1 only. Owner occupied, 0-95% LTV, 1-4 units, Margin, US Treasury Index 2/6 caps, 45 day lock.

FREE pre-approvals from NJ Mortgage Lenders.
Affordable Housing available to first time homebuyers - Ask your HFS Mortgage Specialist.
Extended Loan Commitments available - 1% refundable for 200 days.
Non-owner occupied rates available - Call for quotes.
Pre-approvals.
Se habla espanol.

OTHER PROGRAMS AVAILABLE:

Lot loans
Construction loans
Refinances
Home equity loans
FHA
Stated and no doc
100% - no PMI

APRs are calculated on a loan amount of $150,000. Points, rates and fees may vary for different loan amounts.
All products and rates are subject to change without notice. Rates effective as of 10-30-06

Contact Mortgage Loan Specialist Kevin Comerford at 219-263-9754 or 219-764-0757, ext. 20.