Rates Effective: February 06, 2012
(Rates subject to change without notice at any time)

Program

Rate

Points

APR  (annual
percentage rate)

Payment /
$1,000

30 year fixed

20 year fixed

15 year fixed

10 year fixed

*2 step 7/23

*2 step 5/25

4.000%

3.750%

3.375%

3.250%

4.000%

3.750%

0.00 (1)

0.00 (1)

0.00 (1)

0.00 (1)

0.00

0.00

4.101% (1)

3.773% (1)

3.403% (1)

3.293% (1)

4.146%

4.084%

$4.77

$5.93

$7.09

$9.77

$4.77

$4.63

30 year fixed

20 year fixed

5.250%

5.000%

0.00

0.00

5.358%

5.024%

$5.52

$6.60

(1) Requires a credit score greater than or equal to 700 and loan to value less than or equal to 60%. Credit scores lower than 700 and/or loan to value in excess of 60% will result in a higher APR in accord with FNMA guidelines.

*Margin is 225 basis points added to the 10 year Treasury Constant Maturity Yield

Loan Amounts up to $417,000.

Prospect Federal Savings Bank offers a variety of loan programs
to suit your needs. We welcome the opportunity to assist you in
finding the right loan.

• Fixed Rate Mortgages
• Adjustable Rate Mortgages
• FHA & VA Mortgages
• 1—4 family Purchase & Refinance
• Condos & Townhomes
• 95% Financing Available (LPMI)
• Multi family +5 units
• Jumbo Loans
• Lot Loans
• Construction Loans

Why choose Prospect Federal Savings Bank for your mortgage needs?

• Our Interest Rates are competitive
• We retain the servicing of your loan...you'll never have to send
  your payments out-of-state or call an "800" number to some
  distant location
• Payments may be mailed or presented in person at any of our
  convenient locations
• We make loans to investors
• We can prequalify you so you know up-front what you can afford.
  It eliminates the stress during the approval stage

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