*Illustrative example of 8 month interest only period followed by 30 year fixed term assuming a [$400,00] loan with an interest rate of [3.125%], [3.255%] APR. During the first 8 months of the loan, the Payment will be interest only based on the amount of outstanding principal balance. During year 1, payments can range from ($520.83) to ($1,713.50), with the maximum payment starting with the 9th payment. Thereafter, a fully amortizing 30 year fixed rate loan based on [$400,000] loan amount would have approximate monthly P&I payments as follows: 30 year = 360 payments of [$1,713.50]. Rates current as of [6/12/2021]. Payment estimates do not include amounts for taxes and insurance; therefore the actual payment obligation will be greater. Rates are based on borrowers’ ability to qualify and are subject to market fluctuations which may change the rates without notice. 8 interest only term only available for loan amounts under 548,250. Loan amounts 548,251 and above will have different terms. This example is for demonstration purposes only and is not a commitment to lend. Rates, terms and conditions are subject to change without notice.