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Here at Security First you are number one! We are constantly updating our rates and programs to be able to handle our changing and demanding Mortgage Market.

SMART 5/3 ARM
SMART 7/3 ARM

SMART 5/3 ARM This is a 5/3 ARM. Initial Note rate is 3.75%. Loan amounts up to 2M. Caps are 1% & 3%. After the initial 5 year period, the interest rate may adjust every 36 months, but never more than one percentage point per adjustment period and no more than a total of three points during the life of the loan. Over the life of the loan, the Note rate can never exceed 6.75% or fall below 3.75%. Margin is 2.875 and the Index is based off of the 1 year US Treasury rate which you can find at: http://www.federalreserve.gov/releases/h15/update/ Click here for more details -------> 5/3-30 SMART ARM Term: 30 years Maximum Amount: $2,000,000

SMART 7/3 ARM This is a 7/3 ARM. Initial Note rate is 4.00%. Loan amounts up to 2M. Caps are 1% & 3%. After the initial 7 year period, the interest rate may adjust every 36 months, but never more than one percentage point per adjustment period and no more than a total of three points during the life of the loan. Over the life of the loan, the Note rate can never exceed 7.00% or fall below 4.00%. Margin is 2.875 and the Index is based off of the 1 year US Treasury rate which you can find at: http://www.federalreserve.gov/releases/h15/update/ Click here for more details -------> 7/3-30 SMART ARM Term: 30 years Maximum Amount: $2,000,000

Please call any one of us today for the lowest rates and best programs available. Remember we offer FREE PRE APPROVALS along with our high level of service you would expect from your "Neighborhood Lender"
Unless otherwise indicated, these APR calculations are based on the following: Conforming loans (whose maximum loan amount is below $417,000 for the contiguous states, District of Columbia, and Puerto Rico or below $625,500 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $417,000 with closing costs of $8,340. Jumbo Loans (whose maximum loan amount exceed $417,000 for the contiguous states, District of Columbia, and Puerto Rico or exceed $625,500 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $1,000,000 with closing costs of $20,000. Your actual APR may be different depending upon these factors.

Ask about our other products and services available through Millbury Federal Credit Union

www.millburycu.com

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