Rates are subject to change without notice at any time. Quoted rates can be locked for 30 days and are based on the purchase/refinance of a single family home to be used as a primary residence. Rates and terms are not guaranteed until application is completed and rate is locked by a First American Bank mortgage loan representative. Rates and programs are subject to limitations. Call for program availability. All programs are fully amortized loans that require monthly payments of principal, interest, and any required escrow payments for the term of the loan. The exact monthly payment of a loan will vary depending on the term of the loan, the loan amount and the Annual Percentage Rate (APR) at the time of loan approval. Available loan amounts range from $30,000 to $417,000. Your exact monthly payment will vary depending on the term of the loan, the amount of the loan, and the APR at the time of approval. Please call for rate information on loan amounts not shown in the table.

1 Conventional loan APRs are based on a loan amount of $175,000. We assume a 20% down payment with no Private Mortgage Insurance (PMI) and based on payment for the full term. APRs will vary due to the potential cost of Private Mortgage Insurance and actual loan amounts.

2 FHA loan APRs are based on a loan amount of $175,000 amortized 30 years in each tier and assume a minimum down payment of 3.50%. APRs will vary due to the cost of Monthly Mortgage Insurance and Upfront Mortgage Insurance.

3 The APR on adjustable rate mortgage (ARM) loans are based on a loan amount of $175,000 amortized for 30 years. The APRs shown are for the initial period and may increase after closing due to the movements of the interest rate index during the rate adjustment periods. Call for information regarding rate adjustment caps and margins.

4 VA loan APRs are based on a loan amount of $175,000 amortized for 30 years and assume a minimum down payment of 0%.

Payment Stream Information

ARM Conventional 3/1 year (one point option)- The first 36 months will be at a payment of $789.91 with a corresponding simple interest rate of 3.500%, the next 323 months will be at a payment of $756.50 with a corresponding simple interest rate of 3.125% and the remaining 1 month will be at a payment of $755.84 with a corresponding simple interest rate of 3.125%.

ARM Conventional 3/1 year (zero point option)- The first 36 months will be at a payment of $839.82 with a corresponding simple interest rate of 4.000%, the next 323 months will be at a payment of $760.23 with a corresponding simple interest rate of 3.125% and the remaining 1 month will be at a payment of $757.83 with a corresponding simple interest rate of 3.125%.

ARM Conventional 5/1 year (one point option)- The first 60 months will be at a payment of $789.91 with a corresponding simple interest rate of 3.500%, the next 299 months will be at a payment of $758.54 with a corresponding simple interest rate of 3.125% and the remaining 1 month will be at a payment of $758.27 with a orresponding simple interest rate of 3.125%.

ARM Conventional 5/1 year (zero point option)- The first 60 months will be at a payment of $839.82 with a corresponding simple interest rate of 4.000%, the next 299 months will be at a payment of $764.88 with a corresponding simple interest rate of 3.125%, the remaining 1 month will be at a payment of $767.00 with a corresponding simple interest rate of 3.125%.

ARM Conventional 7/1 year (one point option)- The first 84 months will be at a payment of $852.55 with a corresponding simple interest rate of 4.125%, the next 275 months will be at a payment of $771.92 with a corresponding simple interest rate of 3.125% and the remaining 1 month will be at a payment of $771.96 with a corresponding simple interest rate of 3.125%.

ARM Conventional 7/1 year (zero point option)- The first 84 months will be at a payment of $878.29 with a corresponding simple interest rate of 4.375%, the next 275 months will be at a payment of $776.25 with a corresponding simple interest rate of 3.125% and the remaining 1 month will be at a payment of $774.78 with a corresponding simple interest rate of 3.125%.

ARM Jumbo Portfolio 3/1 year - The first 36 months will be at a payment of $2,682.73 with a corresponding simple interest rate of 4.950%, the next 323 months will be at a payment of $2,661.48 with a corresponding simple interest rate of 4.875%, the remaining 1 month will be at a payment of $2,659.89 with a corresponding simple interest rate of 4.875%.

ARM Jumbo Portfolio 5/1 year - The first 60 months will be at a payment of $2,682.73 with a corresponding simple interest rate of 4.950%, the next 299 months will be at a payment of $2,662.66 with a corresponding simple interest rate of 4.875%, the remaining 1 month will be at a payment of $2,664.75 with a corresponding simple interest rate of 4.875%.

ARM Non FAB Jumbo 5/1 year - The first 60 months will be at a payment of $2,646.04 with a corresponding simple interest rate of 4.875%, the next 299 months will be at a payment of $2,203.34 with a corresponding interest simple interest rate of 3.125%, the remaining 1 month will be at a payment of $2,202.00 with a corresponding simple interest rate of 3.125%.

ARM Portfolio 3/1 year (zero point option) - The first 36 months will be at a payment of $1,054.67 with a corresponding simple interest rate of 6.000%, the next 12 months will be at a payment of $853.91 with a corresponding interest simple interest rate of 3.250%, the next 311 months will be at a payment of $786.29 with a corresponding simple interest rate of 3.250%, the remaining 1 month will be at a payment of $788.67 with a corresponding simple interest rate of 3.250%.

ARM Portfolio 3/1 year (one point option) - The first 36 months will be at a payment of $971.38 with a corresponding simple interest rate of 5.250%, the next 323 months will be at a payment of $779.81 with a corresponding simple interest rate of 3.250%, the remaining 1 month will be at a payment of $782.28 with a corresponding simple interest rate of 3.250%.

ARM Portfolio 5/1 year (zero point option) - The first 60 months will be at a payment of $1,054.67 with a corresponding simple interest rate of 6.000%, the next 12 months will be at a payment of $864.03 with a corresponding interest simple interest rate of 4.000%, the next 287 months will be at a payment of $799.82 with a corresponding simple interest rate of 3.250%, the remaining 1 month will be at a payment of $801.24 with a corresponding simple interest rate of 3.250%.

ARM Portfolio 5/1 year (one point option) - The first 60 months will be at a payment of $971.38 with a corresponding simple interest rate of 5.250%, the next 299 months will be at a payment of $789.94 with a corresponding simple interest rate of 3.250%, the remaining 1 month will be at a payment of $790.29 with a corresponding simple interest rate of 3.250%.

Subject to credit approval. Member FDIC