Rates Effective: May 10, 2013
(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

3.500%

3.250%

2.875%

2.750%

3.375%

3.125%

0.25 (1)

0.25 (1)

0.25 (1)

0.25 (1)

0.25

0.25

3.537% (1)

3.301% (1)

2.939% (1)

2.844% (1)

3.741%

3.723%

$4.49

$5.67

$6.85

$9.54

$4.42

$4.28

30 year fixed

20 year fixed

4.750%

4.500%

0.25

0.25

4.790%

4.553%

$5.22

$6.33

(1) Points are determined by the FNMA Loan Level Price Adjustment Matrix. Please call a loan            officer for this information. APR stated is based on Zero points.

*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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