*APR = Annual Percentage Rate. Rates disclosed include a .25% discount for automatic payment. Monthly Principal & interest payment based on loan amount of $50,000. Maximum loan amount for a fixed rate loan is $250,000 Minimum loan amount is $10,000 for 5-10 year terms, $15,000 for a 15-year term, and $20,000 for a 20-year term. A minimum of $10,000 must be new money at SPIRE. Property must be the primary or secondary residence and property insurance is required. Residential properties located in MN or WI. Commercial, agriculture and large acreage properties excluded from offer. SPIRE member responsible to pay up to $500 toward closing costs, which includes the cost of the required appraisal. If the loan does not close, the cost of the appraisal will not be refunded. Offer subject to termination at any time. The stated rates are the lowest available and subject to change at any time without notice. Rates are based on credit history, loan-to-value, and other factors so your rate may different. Borrower must meet membership requirements to qualify. Other restrictions may apply. See your tax advisor for details regarding interest deductibility.