*Assuming a $150,000 mortgage loan with a 30-year term and an introductory less than interest only only payment. Loan interest rate is adjustable and tied to 1 year trailing MTA index. For the first twelve months of this loan, the borrower will make twelve payments of $482.46, payments for years 2, 3, 4 and 5 are estimated to be $518.65, $557.54, $559.36 and $644.31. The APR of this loan is 7.995% APR. To qualify for this loan, the borrower must have a FICO score of 620 or greater, a maximum loan amount of $1,500,000.00 and the property's loan-to-value ratio may not exceed 90 percent. Because this loan has a variable interest rate, both the initial interest rate and the APR may increase after closing. Rates and terms are subject to change without notice. This program is available as of August 1st, 2006 from a participating Service Provider. Rate and terms offered may vary depending on your credit history and other qualifications, location, and type of property, and other factors. This loan is not available in all states.

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