This is an introductory variable interest rate on a first priority loan that is fixed for the first year then is subject to increase no more than 2% every year thereafter (the rate will adjust based on the 1-year treasury index (4.15%) which is added to the margin of 2.75% to arrive at the new annual rate which will never exceed 10.75%). A 30-year first priority loan with an introductory interest rate of 4.75 percent in the principal amount of $350,000 (APR of 7.188), would require payments as follows, assuming there is no change in the Index used to calculate your interest rate over the term of the loan: (i) the first twelve monthly payments of $1825.77, (ii) the next twelve payments of $ 2,259.14 (iii) the next 335 monthly payment of $ 2,343.06 (iv) and one final payment of $ 2,338.47. To be eligible for this program borrowers must meet applicable credit requirements, including a FICO score of at least 630. The mortgaged property must meet certain loan-to-value minimums and be owner-occupied by residents of a state where program is available and permitted by law. The stated APR includes a 2.0% origination fee and 1.225% loan discount fee. A prepayment (and other) fees may apply. This loan is subject to availability and the stated rates and terms may change at any time. As of September 18, 2007 this loan was advertised and made publicly available by a lender in our network. This loan may not be offered by lenders in our network at the particular time you request to be matched. If you are not matched with a lender offering this loan, please consider this information for informational purposes only so that you can better compare lenders with whom you are matched (if any). We arrange but do not make loans.