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.

10-year fixed rate first mortgage APR based on the following example:  Fully amortized 10-year fixed rate owner-occupied “Gold Credit” first mortgage for $40,000 at 3.55% simple interest with approximately $400 of average closing costs, including $215.36 prepaid finance charges.  ANNUAL PERCENTAGE RATE=3.632%.  Example payment terms: 120 monthly payments of $396.48.