15 year simple fixed rate loan with 20% down payment required on a $100,000 value.

Effective 10/24/04.

Offer may terminate at any time without notice.

Rate and annual percentage rate (APR) calculated on a 365 day year with typical/normal closing costs.

Rates/APRs subject to change with changes in closing costs.

Properties and applicants must qualify-other restrictions may apply.

Rates provided by Bankrate.com.