• VSI Premium of $65.00 deducted from loan amount
• Downpayment requirements based on NADA value or purchase price, whichever is less
• APR includes a $50.00 Processing Fee
• Payments are based on a $10,000 loan amount and maximum term, assuming you have already made the required downpayment

• VSI Premium of $65.00 deducted from loan amount
• Downpayment requirements based on NADA value or purchase price, whichever is less
• APR includes a $50.00 Processing Fee
• Payments are based on a $10,000 loan amount and maximum term, assuming you have already made the required downpayment

• Initial rate is 7.50%##, APR equals 8.179%
• Rate is based on Prime + 1.5%
• The current Prime Rate is 3.25%.
• Annual Percentage Rate may increase after consummation.
• There is an interest rate floor of 7.50%
• 3/3 Year ARM, maximum term 15 years
• $350.00 Appraisal fee
• $400.00 Document Preparation Fee
• Maximum LTV 75% of purchase price or appraisal, whichever is less
• 25% down payment required
• Based on a $10,000, 15 year loan at 7.50%## initial interest rate, the monthly payment would be $92.76 for the first 3 years and in subsequent years based on the current prime rate plus margin. APR 8.179%.*
• *APR includes a $400.00 Document Preparation Fee.

Stock, Passbook and Certificate of Deposit

• Other collateral loans are available upon request.

Stock Secured

• Prime + 3.00%, interest rate floor at 5% APR. Loan not to exceed 70% of stock value
• The current Prime Rate is 3.25%.
• Annual Percentage Rate may increase after consummation.
• Rate adjusted quarterly.
• Payment options: quarterly interest, monthly interest, monthly principal and interest, or time note: Time notes are fixed up to 90 days

Stock Secured: Charter Trust Stock/Investment Account

• Stock – Must be listed on NYSE, American Stock Exchange or NASDAQ
• Loan not to exceed 70% of stock value
• Interest rate based on the current Prime Rate. Interest Rate varies depending on the loan amount
• $50,000 or less, rate is Prime + 1% with APR 5.028%
• $50,001 to $250,000, rate is Prime + .50% with APR 5.004%
• $250,001 and greater, rate is Prime with APR 5.004%
• There is an interest rate floor of 5% APR
• Annual Percentage Rate may increase after consummation.
• Payment Options: Quarterly interest, Monthly interest, Monthly pricipal & interest, Time note option with all principal and interest due at maturity: Time notes are fixed up to 90 days
• Interest rate may adjust quarterly
• $100 processing fee.
• 5% late charge after 10 days; flat fee of $50 for time loans
• Discount of .50% for pre-authorized payments is not available on stock loans.

• $350.00 Appraisal fee
• $400.00 Document Preparation fee
• $25.00 Flood Certification fee
• Interest rate at Prime + 3.00%
• The current Prime Rate is 3.25%
• The Annual Percentage Rate may increase after consummation.
• There is an interest rate floor of 7.50% for 20% down-payment and 7.25% for 30% down-payment.
• Interest rate adjusts on a 3/3 year ARM.
• Maximum loan to value is 80% or 70% based on purchase price or appraisal, whichever is less.
• Caps on interest rate at 2.00% per anniversary and 6.00% lifetime.
• APR includes a $400.00 Document Preparation Fee and $25.00 Flood Certification Fee.

• Must own a Primary or Secondary Residential property to qualify
• Term – 12-60 months up to $10,000
• Term – Up to 84 months if loan amount is $10,001 - $15,000
• APR includes a $50.00 Processing Fee
• Discount Rate - .50% rate discount with preauthorized payment from an MVSB transaction account

• 2.99% APR for the first three months.
• Prime Rate APR after the first three months with a floor of 5.00% APR. The current Prime Rate is 3.25%. Prime Subject to change
• APR may be increased after consumation

• Estimated surcharge LCHIP Fee in the amount of $25.00 per recorded document and Estimated Courier Fees of $20 per transaction may be charged if applicable.
• For loan amounts above $100,000, you may be required to pay for either a limited appraisal in the amount of $200 or a full appraisal in the amount of $350.

• Up to 15 years
• Minimum payment is Interest only
• At maturity, a balloon payment will be due in the amount of any unpaid principal balance plus accrued interest.
• Payments do not include amounts for taxes and insurance premiums. Your actual payment obligation will be greater.

• Minimum dollar amount of $20,000 and Maximum of $1,000,000
• We will lend you up to 80% of the current value of your home, minus any outstanding mortgage(s). To qualify for rates quoted, you must meet certain underwriting requirements or rate maybe higher. Your property must be a single-family owner-occupied home.

• $20,000.

• Highest Prime Rate APR (with a floor of 5.000%)
• Current Prime Rate is 3.250%: Prime Rate subject to change
• APR may be increased after consumation.

• You may be responsible for the cost of the appraisal (Limited appraisal $200 - full appraisal $350).
• Estimated surchage LCHIP fee of $25 per recorded document.
• Estimated courier fee of $20 per transaction if applicable

• APR includes a $50.00 Processing Fee
• Discount Rate - .50% rate discount with preauthorized payment from an MVSB transaction account.
• Owner-occupied primary or vacation homes
• No application fee
• No points
• Term – 12-60 months up to $10,000
• Term – Up to 84 months if loan amount is $10,001 - $15,000
• Bank requires copy of written contracts for work being completed.

• $350.00 appraisal fee
• $400.00 document prep fee
• $25.00 flood certificate
• $95.00 VSI Premium
• No origination fee
• Title insurance is required for the mobile home only
• Payment is calculated based on $10,000 loan amount and maximum term shown
• The 0.50% discount for pre-authorized payments does not apply
• 20% Downpayment is required.
• Maximum loan-to-value is 80%; based on the purchase price or appraisal,whichever is less
• APR includes a $400.00 Document Preparation Fee and $25.00 Flood Certification Fee

• 60 month maximum
• Secured 9.00% APR equals 9.220%
• 80% Maximum Loan-to-value
• APR includes a $50.00 Processing Fee
• Based on a $10,000, 60 month loan at 9.00%, the monthly payment would be $207.61 APR 9.220%

• Initial rate 7.50%## APR equals 8.223%
• Rate is based on the Prime Rate + 3.00%
• The current Prime Rate is 3.25%.
• There is an interest rate floor of 7.50%
• $400.00 Document Preparation Fee
• $25.00 Flood Certification Fee
• The interest rate may change every three years during the term of the loan.
• Based on a $10,000, 15 year loan at 7.50%##, the monthly payment would be $92.76 for the first 3 years and in subsequent years based on the current prime rate plus margin. APR 8.223%.
• APR includes a $400.00 Document Preparation Fee and $25.00 Flood Certification Fee

• Initial rate 8.50%## APR equals 8.658%.
• Rate is based on Prime Rate + 4.00%
• The current Prime Rate is 3.25%.
• The Annual Percentage Rate may increase after consummation.
• There is an interest rate floor of 8.50% APR
• $400.00 Document Preparation Fee
• $25.00 Flood Certification Fee
• The interest rate may change every three years during the term of the loan.
• Based on a $10,000, 15 year loan at 8.50%## initial rate, the monthly payment would be $98.54 for the first 3 years and in subsequent years based on the current prime rate plus margin. APR 8.658%.
• APR includes a $400.00 Document Preparation Fee and $25.00 Flood Certification Fee

• No application fee
• No origination fee
• VSI Premium of $65.00
• 20% downpayment required
• 15 year maximum term on a three year adjustable rate
• 2.00% annual cap, 6.00% lifetime cap
• A UCC search will be required on Used Park Models

• Add one percentage point to rate at maturity unless we receive 10.00% principal reduction plus accrued interest or rewrite loan on an amortization schedule for a specific time period.
• The rate on secured time loans will be based on the collateral being pledged as security. Refer to the corresponding category.
• The 0.50% discount for pre-authorized payments does not apply