Fixed Rates

• Available for country home loans, construction loans and lot loans, and are fixed for the life of the loan.
• Lot loans are available with a balloon payment at maturity based on 20-year amortization.
• Fixed-rate loans are fully prepayable.

Fixed-to-Adjustable Rates

• Available for country home loans, construction loans and lot loans.
• Country home and construction loans may be fixed for 7, 10 or 15 years, then converted to 1-year adjustable rate mortgages.
• Country home and construction loans have long-term maturity options.
• Lot loans may be fixed for 7 years, then converted to 1-year adjustable rate with a balloon payment at maturity.
• Interest rate caps/floors apply.
• Fixed-to-adjustable rate loans are fully prepayable.

All loan actions are subject to program availability. Certain conditions and restrictions may apply.