HOME EQUITY/HOME IMPROVEMENT LOANS
QUALIFYING EXCHANGE BANK RELATIONSHIP
(Rates Listed Below Reflect An Automatic Payment From An Exchange Bank Account)
30 year payment **
with 15 year maturity
Rates and terms are effective as of November 1, 2008
QUALIFYING EXCHANGE BANK RELATIONSHIPS include primary checking account, savings
account (includes: CD, IRA, Wealth Management, or Money Market account) online banking or
electronic feature attached to one or more accounts and a loan account with an automatic payment
from an Exchange Bank account.
Increase rate .50% for Non-Qualifying Exchange Bank Relationship customers. Must have an
automatic payment from an Exchange Bank account to qualify for relationship discount.
Borrower must carry property insurance and flood insurance where required by law. You may have to
pay certain fees to third parties such as title companies and government agencies, when a sub-escrow
is required to pay off an existing lender, or if vesting corrections must be made. These fees range from
$36.00 to $175.00. Loan Documentation Fee: There is no initial documentation preparation fee;
however, if the loan documents have to be re-drawn after the initial document preparation due to
missed or canceled appointments a fee of $100.00 will be assessed and collected at loan signing.
There is not an early payment penalty; however, minimum interest payment of $100.00 is required on
all equity loans. Rates and terms are subject to change. Certain restrictions apply. APR is based on
automatic payments from an Exchange Bank account.
This program applies to equity loans on 1-4 residential properties ranging from $10,000 to $250,000,
secured by owner-occupied, Northern California res