All advertised ANNUAL PERCENTAGE RATES (APRs) are “as low as”.  Actual APR is based on qualifications such as term, occupancy, lien position, loan-to-value and credit history.

4-year fixed rate first mortgage APR based on the following example:  fully amortized 4-year fixed rate, owner-occupied “Gold Credit” first mortgage for $40,000 at 4.00% simple interest with approximately $400 in average closing costs, including $244.67 prepaid finance charges.  ANNUAL PERCENTAGE RATE=4.192%.  Example payment terms: 48 monthly payments of $903.16.