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Mortgage Rates

Rates are Accurate as of:

Fixed Term Single Family Mortgages

Term	Rate	APR	Loan-to-Value	Payment Example (Monthly)
10 Years	4.950%	5.136%	97%	$2,645.53
15 Years	4.950%	5.080%	97%	$1,970.48
20 Years	5.450%	5.557%	97%	$1,712.67
25 Years	5.450%	5.540%	97%	$1,527.76
30 Years	5.500%	5.580%	97%	$1,419.47

Payment examples do not include amounts for taxes and insurance so the actual payment will be higher. Property insurance required. Flood insurance may be required. Mortgage insurance may be required. Real estate tax escrow may be required.

Fixed term mortgages can be used for condominiums and townhomes. Maximum loan amount is $647,200. Appraisal fee may exceed $450.00 due to square footage of the property. Rates listed are for owner-occupied only.

All payment examples and APRs are based on $250,000 purchase loan amount, with 20% down payment. The LTV shown is the highest % the bank will lend without private mortgage insurance. APR = Annual Percentage Rate. Rates are subject to change at any time.

Jumbo Single Family Mortgages (Loans $647,200+)

Term	Rate	APR	Points	Loan-to-Value	Payment Example (Monthly)
15 Years	4.800%	4.868%	0	80%	$5,050.84
30 Years	5.000%	5.040%	0	80%	$3,474.31

Payment examples do not include amounts for taxes and insurance so they actual payment will be higher. Property insurance required. Flood insurance may be required. Real estate tax escrow may be required.

Appraisal fee may exceed $450.00 due to square footage of the property. Rates listed are for owner-occupied only.

All payment examples and APRs are based on $647,201 for jumbo purchase loan amount, with 20% down payment. Maximum loan amount is $2,000,000. APR = Annual Percentage Rate. Rates are subject to change at any time.

2 Units

Term	Rate	APR	Points	Loan-to-Value	Payment Example (Monthly)
15 Years	5.200%	5.333%	0	80%	$2,003.13
25 Years	5.700%	5.792%	0	80%	$1,565.22

Maximum loan amount is $647,200. Appraisal fee may exceed $450.00 due to square footage of the property.

All payment examples and APRs are based on $250,000 purchase loan amount, with 20% down payment. The LTV shown is the highest % the bank will lend without private mortgage insurance.

3-4 Units

Term	Rate	APR	Points	Loan-to-Value	Payment Example (Monthly)
15 Years	7.700%	7.860%	0	80%	$2,346.04
25 Years	7.800%	7.913%	0	80%	$1,896.54

Maximum loan amounts, 3 unit $848,500 4 Unit $1,054,500. Appraisal fee may exceed $450.00 due to square footage of the property.

All payment examples and APRs are based on $250,000 purchase loan amount, with 20% down payment.

Adjustable Rate Mortgages - Single Family

Term

Rate

APR

Points

Loan-to-Value

Payment Example (Monthly)

30 Year Term

(5/1 Year ARM)

4.950%

5.751%

80%

$1,334.42 for 60 months then payment adjusts every 12 months.*

Adjustable rate term mortgages can be used for condominiums and townhomes. Maximum loan $647,200. Appraisal fee may exceed $450.00 due to square footage of the property. Rates listed are for owner-occupied only.. Interest rates on ARMs (Adjustable Rate Mortgages) adjusts after the initial term based on interest rates at the time of adjustment*

All payment examples and APRs are based on $250,000 purchase loan amount, with 20% down payment. The LTV shown is the highest % the bank will lend without private mortgage insurance.. APR = Annual Percentage Rate. Rates are subject to change at any time.

On-line rates are for information only. While we make every effort to keep them current and accurate, mistakes or typos cannot be honored. The above rates are for loans within the bank's market area. Please call for additional information. All loans are subject to the bank's underwriting standards.

Loan information presented on the website of First Savings Bank of Hegewisch is in accordance with the Federal Truth-in-Lending Act and the regulations promulgated thereunder. Rates and terms are subject to change. Normal underwriting guidelines apply. Loans are subject to credit approval.