Real Estate Rates All loan rates indicated below are Annual Percentage Rates (APR)  - Updated August 23, 2010
Type	Fixed Rate	Variable Rate*	Terms / Conditions
First Mortgage	As low as 4.080% 15 yr 4.568% 30 yr 3.427% 5/1 Arm	Please call	Purchase and Refinance up to 95% LTV Refinance with Cash Back up to 90% LTV ARM Purchase or Refiance  up to 95% LTV
	*All variable rates are capped at 18.00%. * Wall Street Prime Rate 3.25% as of December 11, 2008 Family First Federal Credit Union is an Equal Opportunity/Housing Lender

Type	Fixed Rate	Variable Rate*	Terms / Conditions
30 Year Conventional	4.640% (08/23/10)	N/A	96.5% loan-to-value. Great program! Assist's first time buyers in getting into a first home with minimal out of pocket!
	*All variable rates are capped at 18.00%. * Wall Street Prime Rate 3.25% as of December 11, 2008. All loan rate(s) referenced are Annual Percentage Rates (APR) Family First Federal Credit Union is an Equal Opportunity/Housing Lender

Type	Fixed Rate	Variable Rate*	Terms / Conditions
100% Financing in specified areas.	Please call	N/A	100% financing for home purchases made in areas South of Spanish Fork and West of Lehi. Locations subject to change. Call our Home Loan department for updates and additional information.
	*All variable rates are capped at 18.00%. * Wall Street Prime Rate 3.25% as of December 11, 2008. All loan rates quoted are Annual Percentage Rates (APR) Family First Federal Credit Union is an Equal Opportunity/Housing Lender

Type	Fixed Rate	Variable Rate*	Terms / Conditions
Please Call	Please Call	Please Call	0% down on purchase or refinance for Veteran's and those in active duty in the United States Military. No PMI required, minimal closing costs and other fees associated with the loan. First time buyers may also apply for a VA loan.
	*All variable rates are capped at 18.00%. * Wall Street Prime Rate 3.25% as of December 11, 2008. All loan rates quoted are Annual Percentage Rates (APR) Family First Federal Credit Union is an Equal Opportunity/Housing Lender