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.

5-year fixed rate balloon first mortgage APR based on the following example:  5-year fixed rate balloon with a 30-year amortization, owner-occupied “Gold Credit” first mortgage for $40,000 at 5.45% simple interest with $454 total closing costs, including $230.62 prepaid finance charges.  ANNUAL PERCENTAGE RATE=5.536%.  Example payment terms: 59 monthly payments of $225.86 followed by 1 payment at $37,185.67.