Disclosures

• Displayed rates are for the purchase or no cash-out refinance of single-family, first-lien, owner-occupied residential property in Dollar Bank market areas. Displayed rates are based on a 780 FICO credit score and may be adjusted to reflect underwriting risk. All applications are subject to approval under Dollar Bank's underwriting guidelines and collateral requirements. Rates above reflect a 60-day lock period for purchases and refinance transactions. Other lock periods and point combinations are available. For details, please call 1-877-261-2820. Fixed rates are based on loan amounts up to $806,500 and ARM rates up to $2,000,000 with a down payment of 20% and FHA fixed rates up to the maximum FHA county limit with a down payment of 3.50%.
• *The annual percentage rates (APR) displayed assume a loan amount of $400,000, 20% down and 30 days prepaid interest. You will incur additional closing costs. Prepaid finance charges, which are used in the calculation of the APR, are estimated to be $3,122 (these include the flood search, origination charge, discount points and closing service letter fee). The annual percentage rates (APR) does not include private mortgage insurance because the amount will vary depending upon your loan to value and other factors. Please contact us at 1-877-261-2820 or mortgages@dollarbank.com to learn about how private mortgage insurance may affect your loan and other closing costs you will incur. Adjustable-rate loan interest rates may increase after loan closing.
• **The payments shown on the following page for adjustable-rate loans include the estimated payment during the adjustable period based on the index currently in effect. The actual payments may be higher or lower depending on the index on a rate adjustment date. Rates shown are in effect for the first three, five, seven or 10 years only and may increase or decrease thereafter. The listed APR for the full 30-year term is based upon the current index and margin. Rates shown are subject to change without notice. Loan amounts may be up to $650,000, with a loan-to-value (LTV) of 80% or less. The rates and monthly payments displayed assume a loan amount of $400,000, a 20% down payment, 30 days prepaid interest and a 60-day lock-in period. No Closing Cost Refinance ARM requires auto-debit from a Dollar Bank checking account and escrow. No closing costs unless an appraisal is required. If required, the appraisal will likely range between $575 and $650. No closing cost ARM limited to one refinance transaction per six month period.
• ***This rate is the estimated interest rate after the fixed period based on the current index and margin. The actual interest rate may be higher when the Initial Rate expires.
• ****The annual percentage rates (APR) displayed assume a loan amount of $200,000, 3.5% down and 30 days prepaid interest. You will incur additional closing costs. Prepaid finance charges, which are used in the calculation of the APR, are estimated to be $1,101 (these include the flood search, origination charge and closing service letter fee). The annual percentage rates (APR) also includes an initial upfront 1.75% Mortgage Insurance Premium (MIP) and a monthly MIP for at least the first 11 years. FHA financing is only available in the PA and OH markets at this time.
• †The annual Percentage rates (APR) displayed assume a loan amount of $900,000, 20% down and 30 days prepaid interest. You will incur additional closing costs. Prepaid finance charges, which are used in the calculation of the APR are estimated to be $4,860 (these include the flood search, origination charge, discount points and closing service letter fee). Jumbo Fixed-Rate Mortgages are available in all Dollar Bank markets.
• ††The payments shown on the following page for adjustable-rate loans include the estimated payment during the adjustable period based on the index currently in effect. The actual payments may be higher or lower depending on the index on a rate adjustment date. Rates shown are in effect for the first five years only and may increase or decrease thereafter. The listed APR for the full 30-year term is based upon the current one-year constant maturities treasury index and margin. The rates shown are for a 30-year 5/1 non-convertible ARM. Loan amounts subject to FHA guidelines.
• †††The Annual Percentage Rate (APR) displayed for the VA 30-year fixed rate mortgage assumes a loan amount of: $300,000, 0% down and 30 days prepaid interest. You will incur additional charges. Prepaid finance charges which are used in the calculation of the APR are estimated to be $136 (which includes the Flood search and Closing services letter). The APR also includes a 3.3% funding fee and assumes the borrower has active or retired military status; is not receiving VA disability benefits and has a previously settled VA loan.