*Option ARM adjustable rate mortgage. Max ltv 80%. Max cltv 90%. Minimum credit score 620. Full or reduced documentation available. This is a payment rate not the borrower’s interest rate. Interest will always accrue at a rolling 12 month average of the treasury index plus a fixed margin. 1.25% is a negative amortized payment and will adjust annually. Minimum payment will adjust 3/4 of a point higher after the first year and 3/4 of a point higher the following year and so on or until minimum payment reaches the adjusted average. Cap is 8.95%. Terms and conditions may change without notice. Call for further details.

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