*IMPORTANT NOTICES: The Annual Percentage Rates (APR) shown here assume a 20% down payment. All interest rates, APRs, and points are subject to change without notice. Adjustable Rate Mortgage (ARM) APRs are subject to future increase or decrease as the index changes. The actual APR may be higher based on credit history, loan to value ratio, the amount of credit requested, or other terms. Subject to credit approval. The above rates assume an owner occupied single family residence. In addition conforming 30 and 15 Year fixed rates also assume a loan amount of $200,000 or greater and a minimum FICO score of  740 for a purchase or rate/term refinance. For loan scenarios outside these parameters please call 1-800-222-2299 or contact your local branch for details.