Vacant Land Loans - Minimize (–)

Notes:
* The Annual Percentage Rate (APR) is based on the following:
A 10-year amortization, $65,000 loan with 0 (zero) points, 20% down and finance charges of $555.00

This information is provided and distributed only to assist real estate professionals and is not intended to extend consumer credit as defined by Section 226.24 of Regulation Z.

Interest Rates and terms are subject to change at any time without notice.

Construction Loans - Minimize (–)

Note:
* The Annual Percentage Rate (APR) for the ARM Construction Loan is based on the following:
A $200,000 loan, with a 12 month “interest only” period, followed by a 29 year amortization period. Down payment of 20%, 0 (zero) points, and finance charges of $1,471.50 for an owner occupied 1 family residence. Interest payments are computed from total amount of draws, and are only estimates.

Additional information about our 1 Year Adjustable Rate Mortgage (ARM) Construction Loan - The APR, interest rate and principal and interest payment are subject to increase and can change annually, based on market-driven changes to the Index. Below is a worst case example showing the maximum interest rate and monthly payments if a $200,000.00, 1 year ARM with a 12 month interest only period, followed by a 29 year term was originated at an Initial Interest Rate of 2.875%. This example assumes that the Initial Interest Rate increases to the Maximum Interest Rate of 8.875% as rapidly as possible.

Note:
The APR for the In-House is based on the following:
A 12 month interest only period, on a $200,000 loan with 0 points, 20% down and finance charges of $1332.00 for owner occupied 1-4 family residence. Interest payments are computed from total amount of construction draws.

This information is provided and distributed only to assist real estate professionals and is not intended to extend consumer credit as defined by Section 226.24 of Regulation Z.

Interest Rates and terms are subject to change at any time without notice.

Adjustable Rate Mortgages (ARM) - Minimize (–)

NOTES:
* The Initial Interest Rate is established prior to closing, and is not based on the current Index and Margin used to make later adjustments. However, the Initial *Annual Percentage Rate (APR) takes into consideration the current Index and Margin, as well as the following:

30-year amortization, $150,000 loan with 0 (zero) points, 20% down and finance charges of $676.50 on an owner occupied 1-4 family residence. Payments made on the 1st of the month.

• Your APR will vary based on your loan amount and finance charges.
• The monthly payment shown includes principal and interest. Your actual monthly payment will be higher if an escrow account is established for taxes, hazard insurance, and mortgage insurance.
• Your interest rate cannot change more than two percentage points (2.00%) at each adjustment period. This is the Annual Cap.
• Your interest rate cannot increase more than six percentage points (6.00%) over the term of the loan. This is the Lifetime Cap.

Additional information about our 1 Year Adjustable Rate Mortgage (ARM) - The APR, interest rate, principal and interest payment are subject to increase and can change annually, based on market-driven changes to the Index. Below is a worst case example showing the maximum interest rate and monthly payments if a $150,000.00, 1 year ARM with a 30 year term was originated at an Initial Interest Rate of 2.875%. This example assumes that the Initial Interest Rate increases to the Maximum Interest Rate of 8.875% as rapidly as possible.

3 - 5 - 7 Balloon Mortgages - Minimize (–)

Notes:
* The rates for these loans are determined by the loan-to-value and credit score of the borrower(s). Please contact a loan officer for more details on rates and fees.

Rates and terms are subject to change at any time without notice.

15 - 20 - 30 Year Fixed Rate Mortgages - Service Retained - Minimize (–)

Notes:
* The Annual Percentage Rate (APR) is based on the following:
$150,000 loan with 0 (zero) points, 20% down and finance charges of $621.50 for a 1 unit owner-occupied residence. Payments made on the 1st of the month.

Pricing is for a fixed rate mortgage with servicing retained by Citizens Bank of Mukwonago. Escrow for homeowner's insurance and property taxes are optional.

This information is provided and distributed only to assist real estate professionals and is not intended to extend consumer credit as defined by Section 226.24 of Regulation Z.

Interest Rates and terms are subject to change at any time without notice.

WHEDA - Minimize (–)

Notes:
First time home buyers only
Interest rate based on 97% or lower LTV.
* The APR (Annual Percentage Rate) is based on $150,000 loan, with 0 points, 3% down payment and finance charges of $1953.25, which includes PME. A minimum credit score of 700 is assumed.

This information is provided and distributed only to assist real estate professionals and is not intended to extend consumer credit as defined by Section 226.24 of Regulation Z.

Rates and terms are subject to change at any time without notice.

15 - 30 Year Jumbo Mortgages - Minimize (–)

Jumbo Interest Rates are available for loans over $417,000. Please call Tom Haase at (262) 363-6500 for more details.

Investment Property Mortgages - Minimize (–)

Please contact the Loan Officer at the location nearest to you. Click here for locations.