Rate is for a purchase loan. Fees & charges apply. Subject to underwriting approval. Not all applicants will be approved. Minimum credit score of 731 required to be eligible for advertised rate. Full documentation & property insurance required. Loans secured by liens against your property. Consolidating debts may increase the time and/or the total amount needed to repay your debt. Taxes & insurance extra. Terms, conditions & restrictions apply. For example, as of 11/18/09, a $250,001 loan amount financed at 4.875% interest (5.036% APR) for 30 years, with 1 point discount, Your rate and term may vary. Recent rate but subject to change without notice. Rate available on loan amounts from $250,001 to (A) $417,000, owner-occupied single-family residential properties. Call for details.