† APRs, terms and down payments are based on borrower's qualifications and credit worthiness (established for this "special" promotion only). Borrower must not have owned or co-owned a home within the past five years. All other applicable underwriting guidelines apply. For one and two family homes see rates above. For three and four family homes add .25%. VA loans do not fall under this "special" program. Non-owner occupied homes do not qualify for American Dream Mortgage. Attorneys fees are set at $500.00 plus other charges as customary (i.e. recordings, municipal lein certificates, etc.). Rates and offer subject to change without notice.

CONVENTIONAL MORTGAGE RATES

DESCRIPTION

RATE

POINTS

APR*

MONTHLY PAYMENTS PER $1000

30 YEAR FIXED
Minimum 5% Down w/PMI

5.750%

2.00

5.958%

5.84

6.000%

1.00

6.117%

6.00

6.250%

0.00

6.276%

6.16

20 YEAR FIXED
Minimum 5% Down w/PMI

5.625%

2.00

5.903%

6.95

5.875%

1.00

6.031%

7.09

6.125%

0.00

6.157%

7.24

15 YEAR OR LESS FIXED
Minimum 5% Down w/PMI

5.125%

2.00

5.466%

7.97

5.375%

1.00

5.563%

8.10

5.625%

0.00

5.660%

8.24

VA MORTAGE RATES**

DESCRIPTION

RATE

POINTS

APR*

MONTHLY PAYMENTS PER $1000

30 YEAR FIXED

5.875%

2.00

6.086%

5.92

6.125%

1.00

6.243%

6.08

6.375%

0.00

6.402%

6.24

15 YEAR OR LESS FIXED

5.500%

2.00

5.849%

8.17

5.750%

1.00

5.945%

8.30

6.000%

0.00

6.038%

8.44

ADJUSTABLE RATE MORTGAGES***

DESCRIPTION

RATE

POINTS

APR****

MONTHLY PAYMENTS
PER $1000

1/1 ARM
Minimum 5% Down w/PMI

5.000%

0.00

5.642%

5.76

3/1 ARM First Time Buyer
(2.50% Margin, First Time Buyer Program -
Min. 3% down, income restrictions apply)

5.500%

0.00

5.655%

5.76

2nd Mortgages (Fixed Rate)	APR*	Terms	Maximum Term	Cost per thousand
Owner Occupied 85% LTV	As low as 6.90%	12 – 60 months	60 months	$19.76
	As low as 7.50%	61 – 120 months	120 months	$11.88
	As low as 8.00%	121 – 180 months	180 months	$ 9.57
Owner Occupied 86-100% LTV	As low as 7.90%	12 – 60 months	60 months	$20.24
	As low as 8.50%	61 – 120 months	120 months	$12.41
	As low as 9.00%	121-180 months	180 months	$10.15

All Applicants must meet Membership Eligibility Guidelines as outlined in NHFCU's Charter

*Annual Percentage Rate

**All VA Loans are subject to Lender and VA Underwriting Guidelines.

***The initial rate is a discounted rate and is less than the sum of the index plus the margin. The discount will be in effect for the initial period only. The index for adjustable rate mortgages is the weekly average yield onU.S. Treasury securities adjusted to a constant maturity of 1 year. Rate cannot increase or decrease more than 2.00% at each adjustment and cannot increase more than 6.00% above the initial rate over the life of the loan.

****The Annual Percentage Rate is based on a 30-year term (360 payments), and is subject to change. The estimated APR includes: points (if applicable), application fee, flood zone determination fee, real estate tax service fee, and credit report fee.

All Fixed Rate Loans must meet secondary market requirements. Maximum 90% LTV, 95% LTV must have member-paid PMI.

All rates assume a purchase price of $125,000 with a 20% down payment. Example: 30 year conventional fixed rate with 1 point; the rate would be 6.00%, the loan amount would be $100,000 with 360 monthly payments of approximately $599.55 (principal and interest).

Rates quoted are for 1-4 family owner occupied primary residence properties, only.

40 Year Mortgages available on case by case basis at 1.00% (100bps) above the current 30 Yr applicable Adjustable Rates. Owner-Occupied only. Not available on Fixed Rate Loans.

Non-Owner Occupied 75% max LTV/TLTV will be priced on a case by case basis.

PMI will be required on ALL loans with 80% or greater LTVs. Lender-Paid PMI rates will vary.

Loan amounts granted up to conforming loan limits.

All rates are subject to change daily without prior notice.

Equity Lines of Credit (HELOC)	APR*	Terms	Maximum Term	Cost per Thousand
Owner Occupied	As low as 4.50%	Revolving Line of Credit	Revolving Line of Credit	$18.65
Land Purchase	APR*	Terms	Maximum Term	Cost per Thousand
1 Year Balloon	As low as 9.75%	Up to 12 months	12 months	$87.81
3 Year Balloon	As low as 10.25%	Up to 36 months	36 months	$32.39

Interest rate determined by credit worthiness and loan to value ratio.
Rates starting as low as 4.5%. Rates vary with length of term.
Sample Payment: Starting as low as $18.65 per $1000 @ 4.50%.
Must have property insurance.
Must be a member of NationsHeritage Federal Credit Union to apply. $5.00 mimimum deposit required to open share account.
Equal Housing Lender.
*No closing cost
1) If the tax assessed value creates a Combined Loan To Value (CLTV) of 85% or less, no appraisal is necessary.
2) If the assessed value creates a CLTV of 85% or greater, an Automated Valuation Model (AVM) will be performed.

Home Equity Lines of Credit: Rates are subject to change without notice. Rates are adjusted at the beginning of each month according to Prime as posted in the Wall Street Journal. Advertised variable APR is the lowest possible rate available. Interest rate determined by credit worthiness and loan to value ratio. Minimum rate is 3.5% and no higher than 18%. Must have property insurance. A $25.00 fee will be assessed if the line of credit is not used during the first twelve months. Equal Housing Lender.