Fees & charges apply and may vary by product and State. Subject to underwriting approval. Application required; not all applicants will be approved. Full documentation & property insurance required. Loan secured by a lien against your property. Consolidating or refinancing debts may increase the time and /or the total amount needed to repay your debt. Taxes & insurance extra. Terms, conditions & restrictions apply. Advertised rate assumes a loan amount of $650,001.00, 2.400 discount points, loan-to-value of 65%, and a minimum credit score of 731. Recent rate but rates, loan products & fees subject to change without notice. Rate available on loan amounts from $417,001 up to $1,000,000 on owner-occupied single-family residential properties. Your rate and term may vary. Lock-in fee required to secure initial rate. If you do not lock in a rate when you apply, your initial interest rate may differ from the rate in effect when you applied. Loan must be for a purchase or a rate & term refinance. The initial rate is fixed for the first 5 years; after that, the rate may change every 12 months. For example, as of 06/09/09, a $650,001 loan amount with 2.275 points financed at 5.125% (4.713% APR) would result in 60 monthly principal and interest payments of $3,589.35 and 299 monthly principal and interest estimated payments (based on a current Libor index and margin) of $3,180.45. Important information relating specifically to your loan will be contained in the loan documents, which alone will establish your rights and obligations under the loan plan. Call for details.