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Mortgage

Fixed RatesRates Effective: 3/22/2019

Program Name Rate APR* Payment
15 Year Fixed (Conforming)3.625%3.840%
20 Year Fixed (Conforming)4.000%4.171%
30 Year Fixed (Conforming)4.250%4.375%

Adjustable Rate Mortgage (ARM)Rates Effective: 3/21/2019

Program Name Rate APR* Payment
10/1 ARM (Conforming)3.750%4.715%
7/1 ARM (Conforming)3.625%4.866%
5/1 ARM (Conforming)3.375%4.969%

ProgramsRates Effective: 3/22/2019

Program Name Rate APR* Payment
30 Year FHA (FHA)4.125%4.688%
Land Loan8.740%9.014%
USDA-Rural Dev (USDA-RHS)4.125%4.381%
VA (VA)4.125%4.125%

Refinance $500 Closing Cost Special+Rates Effective: 3/21/2019

Program Name Rate APR* Payment
10/1 ARM Refi (Conforming)3.750%4.602%
7/1 ARM Refi (Conforming)3.625%4.752%
5/1 ARM Refi (Conforming)3.375%4.854%
5 Year Fixed (Conforming)3.875%3.940%
7 Year Fixed (Conforming)4.125%4.175%
10 Year Refi (Conforming)4.125%4.161%
15 Year Fixed (Conforming)4.375%4.401%

*APR = Annual Percentage Rate
+Rates disclosed include a .25% discount for automatic payment. Principal & interest payment based on loan amount of $100,000. SPIRE does not escrow for taxes or insurance. Payment estimates do not include taxes or insurance; actual payments may be higher. Maximum $750,000 for senior lien. Maximum $250,000 for junior lien. Minimum loan amount is $10,000. A minimum of $10,000 must be new money at SPIRE. Property must be the primary residence with the exception of Second/Vacation Home Loans Property insurance is required. Residential properties only located in MN or WI. Commercial, agriculture and large acreage properties excluded from offer. SPIRE member responsible to pay $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. SPIRE will pay closing costs in excess of $500.01. Offer subject to termination at any time. Rates and terms are subject to qualification. Borrower must meet membership requirements to qualify. Interest rate is subject to change at any time. Other restrictions may apply. See your tax advisor for details regarding interest deductibility.

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