Real Estate-Fixed 2nd Trust Deed      No Points, No Fees***

Monthly Payments are based on $100,000 loan amount.
Maximum Combined Loan to Value is 80% for Manufactured Homes.
*** Minimum No Fee loan is $20,000 and all No Fee loans have an early pre-payment penalty for first 3 years of loan; pre-payment penalty is equal to closing costs.
*Rate/Margin Adjustments
Rates listed apply when payments are made by an automatic payment method. Increase 0.25% for loans without an automatic payment method.
APRs listed reflect application received with a credit score greater than or equal to 680. Add 0.50% to APR listed for credit scores between 660 - 679; add 1.00% to APR listed for credit scores 659 or lower. Credit scores determined by individual Member credit ratings.
Add 0.500% to APR for loans under $10,000 Add 0.250 to APR for loan amounts greater than 300K. (Allowable on case-by case bases)
Add 0.250% to APR for loans on second homes; Maximum loan amount is $300,000 and maximum CLTV is 80%
Add 0.375% to APR for loans on non-owner occupied residences; Maximum loan amount is $300,000 and maximum CLTV is 80%
Add 0.500% to APR for loans using Stated Income; maximum CLTV is 80% and other restrictions apply.
Add 0.250% to APR for Manufactured Housing and/or Non Conforming Properties*. *Income producing properties greater than 10 acres, e.g., Vineyards, FNMA non warranted projects

Rates and policies are subject to change without notice.