These are standard rates. We have several programs that may lower your rate.

Rates effective 03/11/2010 at 8:30 AM  Central Standard Time

Real Estate Loan Product, based
on a $150,000 Loan Amount

Rate APR

Monthly P&I Payment         

 30 Year Conventional*  4.875%  4.986%  $793.81
 20 Year Conventional*  4.750%  4.899%  $969.34
 15 Year Conventional*  4.250%  4.431%  $1,128.42
 30 Year FHA**  4.875%  5.710%   $793.81
 30 Year VA**  4.875%  5.183%   $793.81
 Rural Development**  4.875%  5.171%  $793.81
 The Annual Percentage Rate (APR) is the actual cost of credit to the borrower, including interest and other charges. Rates are subject to change without notice and may vary depending upon your unique credit history and the transaction. A loan rate can only be locked in after receiving a completed loan application and signed lock agreement, some exceptions may be made.  *The rate assumes a 20% down payment. A down payment of less than 20% will require mortgage insurance and will increase the APR.  **FHA rate assumes a 3.5% down payment. VA rate assumes a 3.0% down payment. Rural Development rate assumes a $0.00 down payment.   ¹ Principal and Interest

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This statement of current rates is not an offer to enter into an agreement for a loan at a specified interest rate or number of discount points or both. An offer to enter into such an agreement may only be made pursuant to Minnesota Statutes Section 47.206. Current interest rates and discount points are subject to change at any time without notice to you.