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*The Annual Percentage Rate (APR) is effective September 16, 2013. The rate is based on 40% equity/down payment. Rates vary based on equity/down payment. The program is for refinances and purchases of 1-4 family owner occupied houses. The typical monthly payment (principal and interest) based on $100,000.00, 10 year loan at a rate of 2.750% (2.813% Annual Percentage Rate) with 40% down payment (or equity) and 0 points is $954.11. Payments do not include any required tax and insurance amounts and total monthly payments may be higher as a result. Rates and Terms can change without notice. Subject to approval